• tomv posted a new activity comment 2 weeks ago

    I got a credit card offer today, for another balance transfer. I had to stop myself from applying. It may come to that in the coming months. I want to pay as much as possible. I have two cards that I have to pay off. The thing that bothers me is I took a loan and now I am stuck with it. I contacted the loan company and told them I was…[Read more]

    • I have no more cards to balance transfers to and from. No more offers. Been just approved for a huge interest car title loan. I need it to pay a co worker for a loan and overdrafts and December expenses etc. I’m doomed. Been in this situation before, Wondering why I did not learn my lesson.

  • tomv posted a new activity comment 2 weeks ago

    I got a credit card offer today, for another balance transfer. I had to stop myself from applying. It may come to that in the coming months. I want to pay as much as possible. I have two cards that I have to pay off. The thing that bothers me is I took a loan and now I am stuck with it. I contacted the loan company and told them I was…[Read more]

  • tomv posted a new activity comment 2 weeks ago

    I got a credit card offer today, for another balance transfer. I had to stop myself from applying. It may come to that in the coming months. I want to pay as much as possible. I have two cards that I have to pay off. The thing that bothers me is I took a loan and now I am stuck with it. I contacted the loan company and told them I was…[Read more]

  • tomv posted a new activity comment 2 weeks, 1 day ago

    forgot to mention the balance transfer rate was very reasonable. I managed to get 14 months without interest. So I do have some time. I hope at most I only have to work another job for two months or so. I hope to get an under the table job. I usually don’t do that but I do have one job that pays me under the table.

    • Thanks Tomv for the reply – yes I’ve been doing the balance transfer thing for a while now – it’s been the only thing that has saved my financial situation. I can’t believe it that I actually contemplated going back today to try and win some of my money back. Fortunately, I’d already read a few posts from this site and realised that it was a…[Read more]

      • tomv replied 2 weeks ago

        I got a credit card offer today, for another balance transfer. I had to stop myself from applying. It may come to that in the coming months. I want to pay as much as possible. I have two cards that I have to pay off. The thing that bothers me is I took a loan and now I am stuck with it. I contacted the loan company and told them I was…[Read more]

      • tomv replied 2 weeks ago

        I got a credit card offer today, for another balance transfer. I had to stop myself from applying. It may come to that in the coming months. I want to pay as much as possible. I have two cards that I have to pay off. The thing that bothers me is I took a loan and now I am stuck with it. I contacted the loan company and told them I was…[Read more]

      • tomv replied 2 weeks ago

        I got a credit card offer today, for another balance transfer. I had to stop myself from applying. It may come to that in the coming months. I want to pay as much as possible. I have two cards that I have to pay off. The thing that bothers me is I took a loan and now I am stuck with it. I contacted the loan company and told them I was…[Read more]

        • I have no more cards to balance transfers to and from. No more offers. Been just approved for a huge interest car title loan. I need it to pay a co worker for a loan and overdrafts and December expenses etc. I’m doomed. Been in this situation before, Wondering why I did not learn my lesson.

  • tomv posted a new activity comment 2 weeks, 1 day ago

    I am in the same situation. My bills are pretty high right now. I actually got approved for another credit card and I messed up and gambled with that one. I did manage to do a balance transfer from another card that I have a $2800 balance on. I transferred $2100 and now owe $700 on one card, and $3500 on the other one. Now I am not sure how…[Read more]

    • forgot to mention the balance transfer rate was very reasonable. I managed to get 14 months without interest. So I do have some time. I hope at most I only have to work another job for two months or so. I hope to get an under the table job. I usually don’t do that but I do have one job that pays me under the table.

      • Thanks Tomv for the reply – yes I’ve been doing the balance transfer thing for a while now – it’s been the only thing that has saved my financial situation. I can’t believe it that I actually contemplated going back today to try and win some of my money back. Fortunately, I’d already read a few posts from this site and realised that it was a…[Read more]

        • tomv replied 2 weeks ago

          I got a credit card offer today, for another balance transfer. I had to stop myself from applying. It may come to that in the coming months. I want to pay as much as possible. I have two cards that I have to pay off. The thing that bothers me is I took a loan and now I am stuck with it. I contacted the loan company and told them I was…[Read more]

        • tomv replied 2 weeks ago

          I got a credit card offer today, for another balance transfer. I had to stop myself from applying. It may come to that in the coming months. I want to pay as much as possible. I have two cards that I have to pay off. The thing that bothers me is I took a loan and now I am stuck with it. I contacted the loan company and told them I was…[Read more]

        • tomv replied 2 weeks ago

          I got a credit card offer today, for another balance transfer. I had to stop myself from applying. It may come to that in the coming months. I want to pay as much as possible. I have two cards that I have to pay off. The thing that bothers me is I took a loan and now I am stuck with it. I contacted the loan company and told them I was…[Read more]

          • I have no more cards to balance transfers to and from. No more offers. Been just approved for a huge interest car title loan. I need it to pay a co worker for a loan and overdrafts and December expenses etc. I’m doomed. Been in this situation before, Wondering why I did not learn my lesson.

  • tomv posted a new activity comment 3 weeks, 6 days ago

    I am in the same situation. But I am hopeful because today I drove by two stores that have slot machines and I kept on driving. I may need to go into credit counseling but it is not set in stone yet. I can still make my bills it may take 4 months of living very frugal and not paying cable bill on time. Might just make small payments on that…[Read more]

    • Good job tomv small steps. It’s hard in the beginning. I’m still in the beginning. I really feel like coming here helps so much. I’m really not comfortable going to GA meetings. And we literally have 3 in during the week in our area in 2 are way out of my way. And the 3rd is extremely inconvenient. So this is so helpful. I can pop on here whene…[Read more]

      • Ya I just get the urge sometimes and think I can win my money back and I think of all the money I have lost it just makes me more depressed

  • tomv posted a new activity comment 4 weeks ago

    If the debt is significant you can go to credit.org. I may have to do in January next year. It really comes down to how much can I earn in the next 3 months. Can I make a dent on the credit card bill? And get some money into my checking account. I spoke with a credit counselor, things are not that hopeless for me yet, she seems to think…[Read more]

  • tomv posted a new activity comment 4 weeks ago

    If the debt is significant you can go to credit.org. I may have to do in January next year. It really comes down to how much can I earn in the next 3 months. Can I make a dent on the credit card bill? And get some money into my checking account. I spoke with a credit counselor, things are not that hopeless for me yet, she seems to think…[Read more]

  • tomv posted an update 4 weeks ago

    I have some issues with this site, it needs to be improved. I cannot go to meetings now because guess what I work two jobs now? So meetings are on the backburner now. The site is all I have now. I posted a response then noticed it posted three times. Can someone look into improving the site.

  • tomv posted a new activity comment 4 weeks ago

    You know I am going to contact my state rep and tell him what happened. I take responsibility for it but the benefits cannot be that great. I think the casinos are enough. I have two of them within 20 miles. I had a problem and about a year ago I got on the exclusion list. I took responsibility for my actions. The casino is called parx,…[Read more]

  • tomv posted a new activity comment 4 weeks ago

    It’s boredom for me to, plus the slots are just to addicting for me. I am going to find a hobby and spend time with friends from now on.

  • tomv posted a new activity comment 4 weeks ago

    It’s boredom for me to, plus the slots are just to addicting for me. I am going to find a hobby and spend time with friends from now on.

  • tomv posted an update in the group Group logo of CommunityCommunity 4 weeks ago

    Pennsylvania has skills slots games in various locations in my area now, the slots are no damn good. They need to take them out. I have no problem telling people my story. I won jackpots, well I guess they can call them jackpots but they are really just minor winnings. I won $1800, $1100, $1000, $800, $700, $500 and other amounts over the…[Read more]

    • The state in which I am from we have lottery machines in every bar and restaurant and also any place that serves beer or wine. They are allowed to have 6. They are every where. You practically can’t go anywhere without them being there. This isn’t Nevada either. And we have casinos. Granted they aren’t every where but common enough. Howev…[Read more]

      • tomv replied 4 weeks ago

        You know I am going to contact my state rep and tell him what happened. I take responsibility for it but the benefits cannot be that great. I think the casinos are enough. I have two of them within 20 miles. I had a problem and about a year ago I got on the exclusion list. I took responsibility for my actions. The casino is called parx,…[Read more]