Debt advice

As a sahm I’ve acquired some credit card debt that I’m unable to pay off on my own. With just my husband working, we are very tight with our budget, so much so I don’t have the funds to pay it off or even do the minimum monthly payment. This has affected my credit score and now I have terrible credit. Daycare costs too much for me to also get a job and actually make profit and I don’t have friends or family that can watch my kids. If anyone out there has any advice, I would love to hear it please. Thank you.

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Honestly don’t spend what you don’t have. Try and look for something around your husband’s schedule even if for a few hours a day or week I don’t have credit cards in my name. Never have. I’m a SAHM too and would never think to spend money we don’t have

My credit score had been severely messed up also. But now its been improving gradually. I downloaded the kickoff app as well (which gives you a small loan (not in cash just in the app) which only charges a $5 monthly fee and I saw improvement within 30 days. I know that over time your credit also gets better as accounts falls off (usually after 10 years for some). Also If you have a mixture of various accounts open, older accounts the better. When you can finally make payments tackle the smallest ones first! With that being said, If you do have spare time at home, you can get into these paid research and make at least $50-$200. The payout is either in Amazon or PayPal gift cards or cash.. Your choice. I pray this helps even just a little! 🙏🏾 Swagbucks and Pinecone Research!✨

Also the kickoff allows you to register any bills you already have and will report it to all three bureaus! "Self" is another app as well! I believe they start at $25 but both good apps to help with rebuilding credit.

@Kezie💕🙏🏾 thank you so very much! I will be looking into these💗

I hate him as a person, but Dave Ramsey gives excellent financial advice. I'd check out his website. https://www.ramseysolutions.com/?srsltid=AfmBOoq5tB7KafOIVAUz1q2Yc5MAoCsKRHY7AsjqxUvwuMBQa4QdJ6Vu#cookie-banner

my best advice is to work at the daycare. You’ll get a discount and bring in at least a tiny bit of money so you could hopefully pay it off. people forget too that there’s many jobs at a daycare like kitchen staff and janitors so if you didn’t wanna work with kids, those are definitely some options too.

@Kezie💕🙏🏾 is the loan payment only $5 or is that just to be able to use the app?

@Breaha thank you!

@Annie thank you!

You pay $5 monthly until the amount of the loan is paid in full. What I like is that you get the money at the end. They deposit it into your account. The app will break down everything. https://kikoff.com/refer/VX3SSQ67

You're more than welcome! I pray you receive your financial blessing! 🙏🏾✨

@Kezie💕🙏🏾 you are an angel. Thank you! 🫶

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