None that I would call bad. Less than 10k school loans, about 3K on a new car I a bought a few years back, and 110K on my mortgage. It’s all under 3% fixed rate and well within my budget though, so I’m not too worried.
That said I won’t be taking out any new loans or refinancing for quite some time thanks to current interest rates.
I’m almost 3k behind because my parents forced me into choosing college or the military at 18. I wasn’t remotely ready for either (was dealing with extreme gender dysphoria at the time) and I’m deeply opposed to the army but sometimes I wish I had chosen otherwise… I don’t know if I’m ever fixing this. All my cash goes to survival and everything I own is constantly breaking. Poverty is a vicious cycle…
It’s crazy that parents are still forcing kids to go to college when it’s been documented a billion times how often people are getting no benefit but tons of debt.
Credit cards are a little high but that’s just because I just took a vacation to Japan. I feel like I’m in a good place otherwise. I was lucky enough to buy my house before the pandemic when interest rates were super low and prices hadn’t yet spiked so I’m hoping to sell it in a few years when the interest comes back down. My loans are 50k I took out of my 401k as a down payment on house, 35k for a heloc to fix the house, and 20k on a personal loan.
My apartment complex uses a package delivery service that basically acts as a middle man to receive your packages and deliver it to you. They use contractors who pick up packages from their warehouse and deliver them door-to-door. As expected, it’s common for packages to get lost/stolen. Instead of getting your package on the date/time promised, you have to wait several more hours for it to actually arrive. If it gets to the warehouse late in the afternoon, you’ll get it the next day. If you have Amazon next-day delivery, you essentially negate it with this service. If you’re expecting perishable items, good luck getting it fresh. If your package is large or heavy, you’ll have to wait several days as they only deliver oversized packages on specific days. All these are mandatory with a fee ranging from $10 to $30 on top of rent.
So the rumor is the owner is related to one of the big apartment companies, that’s why the service is being pushed hard to a lot of apartment complexes in my city.
I have made it a point to live a debt free life as much as possible. My only debt is my mortgage. I’ve had a couple of car loans in the past, but nowadays not even that. I have quite enough wheels; If I buy another vehicle it’ll be with cash. If I can’t do that, I don’t need it right now. (2 cars, 1 truck, 7 motorcycles. It’s going to be a cold day in hell before my ass is out of transportation options.)
I live in the Midwest region of the United States.
$55k in student loan debt, down from $100k eight years ago. $10k auto loan. $210k on the mortgage, which I honestly can’t believe I was ever approved for. No credit card debt.
There have been some very scary moments, but I’ve somehow managed to keep my head more-or-less above water so far.
Ask for the heated blanket. Tell them if you’re nervous (they have drugs for that!) and try to relax. The worst part is over (breaking the damn things) and soon you’ll have a cool scar.
I’m waiting for more pain drugs that should make me hella high, so I won’t be anxious then. I didn’t think of the scar lol. I’ve just been telling people I’m gonna be cyborg
They can help you with pain, nausea, and anxiety through meds. Scar: your surgeon will tell you what scar cream to use when the scar is ready for it. Having to ask for help post-op gets old quickly. But it’s a great way to see who your good friends and family are, and the kindness of strangers! Also, you can pay it forward in the future by giving this information to someone else and helping when someone is struggling! You’re gonna do great! 
I already have the full support of everyone in my life. My work even offered me a payout from our company accident insurance so I don’t have to worry about finances. I was hurt when I was working at home and it didn’t even have anything to do with my work. I have to wait until after my surgery to get the payout. My leg is too swollen to have the surgery today. I have to check in on Monday and see if the swelling is down enough for me to be operated on.
I have around 5k€ left to pay for my car, for the rest I just spend what I know I can. I have a credit card but I just keep it there for emergencies or to pay in installments when the seller doesn’t allow it, everything else goes to the debit card.
Edit: for context since I just read “in the US”, I’m italian. My school was 150€/year so I saved myself the school debt thing.
I have a deep love for Halloween season. I always wanted to get a waterphone. They are just a little to expensive for something that would 100% be a novelty.
Thank you for reminding me that this exists. FYI, it is out of patent and Mr. Waters is now deceased so, one could ethically and legally make a copy. (Patent no. US-3896696-A)
I’m intending to make one for myself at some point, as I THINK I have all the necessary tools at the Makerspace.
EDIT: Just investigated a bit. I absolutely do have access to the tools!!! Now, just to get in to practice TIG welding so that I’m not terribad at it.
asklemmy
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