Debt Dumpers 2025

[Nettlelondon]

Correct. I was just going by the disconnect date. But that'll change now. Not sure I, nor anyone, can make 2 payments in a month. But going to change way of paying bills going forward.

I am sure you can find a way to make more than one payment in a month. I seriously doubt any company will turn down your money.

And you have now learned a valuable lesson about understanding your bills and what all the elements mean.

I changed my cell phone contract in July and it has been wrong every month since, I am being overcharged by about $18/month for a data add on that is not required as I have unlimited data now. Each month I use the live chat to ask for it to be credited and every month they say they will credit it (which they do) and make sure it doesn't happen again (but it does). I have now raised it with the second tier of the customer service process to see if they can help. But I am not holding my breath.

 

[WDW_fan_in_TX]

Definitely have learned a lesson. It's not that places won't take an extra payment. I'm sure they will. It's that most people can't afford to pay an extra payment every month. That's what I was trying to say.

I am sure you can find a way to make more than one payment in a month. I seriously doubt any company will turn down your money.

And you have now learned a valuable lesson about understanding your bills and what all the elements mean.

 

[DanceDisney23]

Definitely have learned a lesson. It's not that places won't take an extra payment. I'm sure they will. It's that most people can't afford to pay an extra payment every month. That's what I was trying to say.

Most people can’t afford to pay late fees every month either. Tally up all the money you have spent this year on paying your bills late. It’s expensive being poor.

Many posters here have given you tons of ideas on how to at least get financially stable, but it will require stepping out of your comfort zone for a while.

What is in your baseball cards account, or in DW’s hair and nail account? Can you use that to get current on your bills?

 

[AliceandPete]

Definitely have learned a lesson. It's not that places won't take an extra payment. I'm sure they will. It's that most people can't afford to pay an extra payment every month. That's what I was trying to say.

You won’t be paying an extra payment every month. You are one month behind. Catch up with two payments in ONE month and then you will be on the correct cycle. Then it will be one payment a month.
Because you are a cycle behind you are always paying late.

So between the 3 late fees a month plus the monthly disconnect notice.. you are paying $700 a year in fees to be late.

 

[WDW_fan_in_TX]

Yes, quick math shows it to be about $500/year. That's crazy, and I never realized it. But glad I did. I can work on fixing it. Many people have given great advice, and I'm using it as is evident. Cutting bills, cutting expenses, focusing on paying off.

Most people can’t afford to pay late fees every month either. Tally up all the money you have spent this year on paying your bills late. It’s expensive being poor.

Many posters here have given you tons of ideas on how to at least get financially stable, but it will require stepping out of your comfort zone for a while.

What is in your baseball cards account, or in DW’s hair and nail account? Can you use that to get current on your bills?

 

[WDW_fan_in_TX]

I'm not a month behind. I'm like a few days to a week behind. I pay it before it disconnects. Or in the case of the bank loan, I'm paying 4 days late. Can't do anything about that on inasefawe

You won’t be paying an extra payment every month. You are one month behind. Catch up with two payments in ONE month and then you will be on the correct cycle. Then it will be one payment a month.
Because you are a cycle behind you are always paying late.

So between the 3 late fees a month plus the monthly disconnect notice.. you are paying $700 a year in fees to be late.

 

[princesscinderella]

Correct. I was just going by the disconnect date. But that'll change now. Not sure I, nor anyone, can make 2 payments in a month. But going to change way of paying bills going forward.

The due date is not a flexible date, if it’s not paid they can and will charge fees.

 

[chattadisser]

I'm not a month behind. I'm like a few days to a week behind. I pay it before it disconnects. Or in the case of the bank loan, I'm paying 4 days late. Can't do anything about that on inasefawe

It doesn't matter if you are one day or 30 days late, you are one month behind in the lender's eyes. This is also tanking your credit. People here have given you great advice. Every day it is something new. It feels like trolling at this point.

 

[WDW_fan_in_TX]

Dang, I didn't mean for my late fees comment to be another reason to pile on to me. I was just giving advice to help dump debt. Isn't that what this post is about?

 

[sandam1]

Because the payment is due on the 11th, and I don't get paid until the 15th. So I'm 4 days late every month. So basically paying $11 to be able to pay 4 days later. So $2.75/day to pay late.

In this case, you might want to call and see if they will change your payment date. It can't hurt to ask!

 

[WDW_fan_in_TX]

I will do this. I asked them about 2 months ago about changing it, but they wouldn't. Doesn't hurt to ask again.

In this case, you might want to call and see if they will change your payment date. It can't hurt to ask!

 

[FreeTime]

Dang, I didn't mean for my late fees comment to be another reason to pile on to me. I was just giving advice to help dump debt. Isn't that what this post is about?

This isn’t a pile on you. Looks like you have a 3 pay month coming up in January as I believe you are paid every other week. Great time to start planning to get caught up.

The issue is you have a new issue every couple of days. Of which, you could have resolved months ago if you listened to the advice you are soliciting.

What is your holiday spending budget? It should be $0.

Again, you continue to ignore the question about whether you enjoyed your Disney trip. I can only guess that it is because you don’t want people to pile on you.

 

[WDW_fan_in_TX]

Correct. I have a 3 check month (knock on wood) coming up. We should have about $800 extra in December, so I plan on using that to pay an extra car payment, an extra payment on my bank loan and an extra payment on my internet. That will use up all $800, but it will get us caught back up. Then I plan on using the extra check in January to push my EF to where I want it to be.

As far as Christmas, DW and I don't get presents for each other. We just buy as we need throughout the year. We usually take a trip to Disney for the holidays. But I think we're going to eat a nice dinner somewhere or go stay at a nice hotel by the airport instead.

We just have to buy for my in-laws Christmas (DW wants to buy 3 gifts each for 4 people). So not much. We take gift cards to my parents, and we play games. Then the winners get their choice of gift card. We're not blessed with big families. DW's dad is an only child, and I only have one sibling.

This isn’t a pile on you. Looks like you have a 3 pay month coming up in January as I believe you are paid every other week. Great time to start planning to get caught up.

The issue is you have a new issue every couple of days. Of which, you could have resolved months ago if you listened to the advice you are soliciting.

What is your holiday spending budget? It should be $0.

Again, you continue to ignore the question about whether you enjoyed your Disney trip. I can only guess that it is because you don’t want people to pile on you.