Debt Dumpers 2025

[ruadisneyfan2]

I'm going to be very direct here: your wife is an AH. She's literally sabotaging EVERYTHING you keep working towards to better your life. It's literally emotional manipulation and abuse. I've been there and you'll never achieve what you're working on unless you either go to counseling together or split. Refusing to try and get financially stable? Red flag. Refusing to let you make meals because "the house will smell"? Open a window and light a candle. Using too much water because you need a shower after "sweating and smelling"? Get the eff out of here with that. Your water bill isn't going to increase THAT much by taking another shower.

I just can't handle seeing how awful you're allowing her to treat you and STRONGLY look into some kind of counseling.

Thank you for saying this in a much more polite way than I could. I just get too wound up and lose control so I won't even go there.

 

[ruadisneyfan2]

I will say, my cholesterol is still good with my 'oatmeal for breakfast' routine that I started a few years ago. Lucky for me I don't get tired of things very easily. I've been with the same man for 33 years, in the same house for 29 years and at the same job for 35 years. lol! I can handle it.

Our nurse practitioner at our dr office said dietary fiber works like little tiny sponges that suck up cholesterol from your body.

Metamucil has lots of fiber too and Amazon has a cereal (yes, I know it's processed) that's called Poop Like a Champion. It has 23 grams of fiber in a 1/3 cup serving. If you're not familiar with usual amounts of fiber, that is a huge amount. Way more than oatmeal and Metamucil combined. Don't eat a whole bowl of it though. Stick to the serving size until you know how your body responds. The chocolate flavor is nasty and I tossed the rest of the box. Cinnamon was ok but I can't find that lately so I'm stuck with plain.

So, really, it's not just oatmeal for breakfast. I'm all about fiber now.



Hershey's chocolate with almonds, for the benefit of eating the almond, is defeating the purpose. Buy a bag of almonds and a nutcracker. They also sell them already shelled. Pistachios have a lot of fiber too.

Also even if your wife eventually lets you eat seafood, shrimp is high in cholesterol so avoid that.

Good luck.

 

[barkley]

My sister opted for a double though she didn't have to and didn't have the gene but she has a lot of anxiety

the breast cancer genetic testing that has come to be is a phenominal thing. just before the testing became available my family member (by marriage) was diagnosed with breast cancer. YOUNG woman in her early 20's who after weighing all the options (available at the time) decided to do a double b/c she felt she would never wake a single morning without worry. after her surgery as her extended family learned of the diagnosis she heard a few too many times 'you made the right decision-anything you can do for your health, women in our family haven't had a good history of long lives' so she started inquiring and found that the 'old school' mindset (and I say this knowing it was still the practice when I was growing up in the 70's and 80's) of some kind of weird misplaced shame/fear of using the word cancer let alone disclosing you/someone in your family had it had likely hidden an extensive history of breast cancer in her family. digging deeper she learned of great aunts, great grandmothers and great -greats all whose deaths were never really discussed and just explained away with vague explantions like 'her body turned against her' or 'she took Ill and there was no cure' (which for many cancers there were not). she dove into some death certificates and found a definite trend.

these are the advances in research and medicine that I am very thankful for.

 

[huggybuff]

I will say, my cholesterol is still good with my 'oatmeal for breakfast' routine that I started a few years ago. Lucky for me I don't get tired of things very easily. I've been with the same man for 33 years, in the same house for 29 years and at the same job for 35 years. lol! I can handle it.

Our nurse practitioner at our dr office said dietary fiber works like little tiny sponges that suck up cholesterol from your body.

Metamucil has lots of fiber too and Amazon has a cereal (yes, I know it's processed) that's called Poop Like a Champion. It has 23 grams of fiber in a 1/3 cup serving. If you're not familiar with usual amounts of fiber, that is a huge amount. Way more than oatmeal and Metamucil combined. Don't eat a whole bowl of it though. Stick to the serving size until you know how your body responds. The chocolate flavor is nasty and I tossed the rest of the box. Cinnamon was ok but I can't find that lately so I'm stuck with plain.

So, really, it's not just oatmeal for breakfast. I'm all about fiber now.



Hershey's chocolate with almonds, for the benefit of eating the almond, is defeating the purpose. Buy a bag of almonds and a nutcracker. They also sell them already shelled. Pistachios have a lot of fiber too.

Also even if your wife eventually lets you eat seafood, shrimp is high in cholesterol so avoid that.

Good luck.

 

[firefly_ris]

Take a guess - how many bowls of your bran cereal would it take to equal the fiber content of one bowl of Colon Blow?

 

[Nettlelondon]

I agree it is money well spent. Of all the silly things in life we spend money on, the things for our health and peace of mind are well worth it. Our dental insurance only covers 2 cleanings/exams per year but by 6 months later, my teeth feel gross, despite brushing 2x/day, flossing every night and using a fluoride rinse as my last step before bed. So several years ago I started going every 4 months and pay about $120 for the 3rd visit. My teeth need to last a lifetime so it's worth it to me. Also they never really get bad so she doen't have to pick and scrape so much. I got the idea from our previous, now retired dentist, when our kids were in braces and not doing such a great job of cleaning their teeth. Sure beats having to have braces temporarily removed to fill cavities then put back on.

I always joke with my patients, "In here, size doesn't matter."
Some are like not much more than the skin I can pull on the back of my hand and others spill over both sides. It's all good. We get good pictures on everyone, and we do men too. Never feel self concious about size. All we care about is getting good quality pictures with as minimal discomfort as possible, and people getting happy news. That last part is beyond our control.

May I ask, do you have red hair? Many people with red hair are very resistant to local anesthetic and often need much more than others do with different hair colors. We didn't learn this in school but more than one of my patients with red hair have told me this. The human body is amazing.

I don't have red hair - but there is a lot of red hair in the family so I suspect I have some of the genes, just not enough to be red as it were.

 

[huggybuff]

Take a guess - how many bowls of your bran cereal would it take to equal the fiber content of one bowl of Colon Blow?

Absolutely iconic!

 

[Nettlelondon]

My sister opted for a double though she didn't have to and didn't have the gene but she has a lot of anxiety. It's a lifetime of follow up so you have to do what works for you. For my sister, it was a good decision.

I had a long discussion with the surgical team about this but it would have been much more major surgery and given previous experiences we wanted to keep that to a minimum, reconstruction would have had to have been via an implant as there was nowhere suitable to take flesh from on me and no one was really happy with that idea. But it was all done on the condition that if I changed my mind, and the anxiety ever proved too much, I could go back and have the double then.

So far it is proving manageable, but who knows what the future may bring.

 

[royeheat]

Thank you for saying this in a much more polite way than I could. I just get too wound up and lose control so I won't even go there.

I have been followingthe patterns with WDW in TX and the conclusion is people with problems love to talk about their problems and will never change.

 

[ruadisneyfan2]

I remember this from back when SNL was funny.

 

[ruadisneyfan2]

Take a guess - how many bowls of your bran cereal would it take to equal the fiber content of one bowl of Colon Blow?

The correct answer is actually 30,000 but I cheated. lol
https://snltranscripts.jt.org/89/89ecolonblow.phtml

 

[FreeTime]

I have been followingthe patterns with WDW in TX and the conclusion is people with problems love to talk about their problems and will never change.

It unfortunately seems to be the case. And I think the absence is that he is at WDW. I offered to cover FP on the Ramsey thread a week or so ago and got crickets. I truly want people to be successful and was willing to help a stranger in need. But only if they care.

 

[disney-inspired]

I work from home so I don't drive a lot. I handled being without a car for 1.5 months - delivery is awesome!
Hoping it doesn't come back to bite me in the butt. They did say if I keep it for the whole year, I can get a 30% discount at renewal.

I checked and my score isn't terrible - it's scoring hard brakes (so hard in GP where people are cutting you off and not signaling). So I'll work on keeping more distance.

Good news - I got the $300 'refund' in the mail today, so now I just need to pay $500 extra to cover this policy in full.

 

[royeheat]

It unfortunately seems to be the case. And I think the absence is that he is at WDW. I offered to cover FP on the Ramsey thread a week or so ago and got crickets. I truly want people to be successful and was willing to help a stranger in need. But only if they care.

It is summed up in 2 words for him: choices and decisions. He made choices in the past to earn a poor credit score. He chose to defer his student loans. The Bank decided to give him a 23% auto loan rate based on his poor credit score. His DW chose a predatory bank loan. They both made the decision to take vacations multiple times a year for the past several years instead of choosing to tackle their debt. Finally he is deciding to continue with the same habits in his life and ignoring the advice of EVERY SINGLE PERSON who has offered their help on this forum who have either gone through this in their life or know someone else who has. The next time he replies with a “thanks for the advice”, which he does almost EVERYTIME, reply back by asking”Are you going to take it or not?” or “What is your next step and when will you start it? Okay let me get down off my soapbox.

 

[royeheat]

Thanks for this. So what do you eat for your centerpoint in the meal if there's no meat? I can't imagine not eating meat at a meal. How are you getting your protein? I do eat tuna a couple of times a week for lunch. I usually 2 cans each time (I was at eating one per, but my doctor suggested I up it to 2 in order to get more protein). My big thing is going to be beef and doing away with it. I like beef. Not big on chicken or fish. My coworker eats a roast every meal of the week (he's on the carnivore diet) and never has issues. I like to eat fruits and veggies (had a muffin, some berries and a banana for breakfast this morning as a matter of fact). It's just stuff I have to change. I will change it slowly per my mom's suggestion. She said it will make it easier to stick with it, and my body will adjust better that way.

So when are you going to start to make the change?

 

[StitchesGr8Fan]

It is summed up in 2 words for him: choices and decisions. He made choices in the past to earn a poor credit score. He chose to defer his student loans. The Bank decided to give him a 23% auto loan rate based on his poor credit score. His DW chose a predatory bank loan. They both made the decision to take vacations multiple times a year for the past several years instead of choosing to tackle their debt. Finally he is deciding to continue with the same habits in his life and ignoring the advice of EVERY SINGLE PERSON who has offered their help on this forum who have either gone through this in their life or know someone else who has. The next time he replies with a “thanks for the advice”, which he does almost EVERYTIME, reply back by asking”Are you going to take it or not?” or “What is your next step and when will you start it? Okay let me get down off my soapbox.

At this point something doesn’t add up either. Supposedly DW works at a bank and recently OP said she is a loan processor at the bank, yet she seems to have no idea how finances and loans work.

 

[royeheat]

At this point something doesn’t add up either. Supposedly DW works at a bank and recently OP said she is a loan processor at the bank, yet she seems to have no idea how finances and loans work.

I agree as well. Also, not sure with the timeline as one time she worked at an urgent care, but why would a loan officer have to go somewhere to get a predatory loan.
Also one month not too long ago he stated they had 97 cents in the bank but they are going on a vacation

 

[WDW_fan_in_TX]

Good news. It looks like our car insurance is dropping from $450/month to $350/month starting in December. So I will be using that extra $100/month to get my CCs paid off (getting close as I haven't used them this year) then start paying more on the car. I've been paying $600/month instead of $500 to try and pay it down faster. Id like to get it paid off in 2 years instead of the 39 months I still owe.

I've applied to 2 local jobs to work an extra 10-12 hours per week as a second job, and I'll be putting that toward debt if one of them hires me. So moving in the right direction. We've cut our eating out down to just the 2 times per week I have to do it for work and the one time on Sunday. And we stayed in budget this period. We actually had some extra at the end of the pay cycle to put into our growing EF. So as you can tell, I've been watching this board and listening to people's advice.

As far as eating and my health issues, I've changed the way I eat. I'm eating more berries, more eggs, more peanut butter. I haven't had bread in 4 days. Just a couple of crackers that come with the tuna fish packets. Baked chips and veggies as well. I had a baked sweet potato and salad Wednesday night for supper, flank steak and veggies last night and tuna for lunch yesterday and Wednesday. So trying to cut back breads/cards/processed and add more protein and veggies.

Lots of changes happening right now between health, eating habits, financial habits. It was nice to actually have something leftover at the end of the pay period. Instead of celebrating by going out like we should've, we decided to put it into the EF (now at about $1,350 from the $1k it was at a month or so ago). And I've been selling stuff from around the house, including almost all of my baseball cards, to add more to it. I sold off all but a handful of the cards. It only netted about $500, but I put all of that toward debt/the EF.

 

[WDW_fan_in_TX]

Done! See my previous post. I think I'm also going to start a notebook or log for my food intake. Not necessarily to calorie count, but just to see exactly what I'm eating.

So when are you going to start to make the change?

 

[WDW_fan_in_TX]

We were not at WDW but thanks for assuming we were. What does FP mean when it comes to Ramsey?

It unfortunately seems to be the case. And I think the absence is that he is at WDW. I offered to cover FP on the Ramsey thread a week or so ago and got crickets. I truly want people to be successful and was willing to help a stranger in need. But only if they care.