Again, I’m not saying force anything on your sister. I’m saying have a chat with a grown up (she is a grown up right?). Tell her that your generosity put you in a bad spot and she needs to take control of pay way more to what SHE took advantage of.

Personally I’d sit down with her and explain that you loved to help her, even though I don’t think you helped with anything. But you had generosity to give. List all the CCs smallest to largest and tackle them both TOGETHER one by one, paying extra on the smallest balance and paying minimums on the highest.

You’re all over the place. Leasing vehicles? No! That’s the most expensive way to drive cars. Your cars pay for themselves? I doubt it but okay.

It seems like you have a lot of excuses that you just can’t get away from. Your sister needs to be a grown adult, I get you can’t make her pay anything - however, your generosity of allowing her to boost her credit and use your credit cards should hold some weight.

I don’t have any other advice besides getting yourself on a detailed budget and cutting out any extra expenses.

Debt relief programs and transferring debt isn’t going to help. Also, just because you “need” two cars for your business, do you need two financed cars? You should rethink thing and start taking sacrifices.

Do you have a budget? Did you cut all extra expenses? Do you go out to eat? Do you have cable? Subscriptions?

Talking to your sister like a grown adult would be key as well.

First things first - take your sister OFF of your credit cards. Secondly, sit down with her and go thru a budget and have her stop spending so much money thah she can’t pay off YOUR ccs.

Thirdly - you need to get on a budget and get out of the vicious cycle of credit cards. Cut them up and stop using them. The disadvantaged outweighs the advantages. Get on a budget, sell a car or both (depending on how bad that debt is).

Dude, me too! It wasn’t until I was 29/30 until I realized how fucked I was with money. But I quickly got it in check and moved forward. Personally, I followed the Dave Ramsey program to the absolute T for getting out of debt and I utilize some other advice for investing, although Ramsey’s will work for most people.

This sub will throw you for a loop wanting you to go into more debt and get more credit cards for “points”. Just be careful.

Yea, I’ve been there man. I was bad with finances too. Here’s the thing - you are getting different responses because this finance sub is filled with people that love credit card points and credit scores. The thing is, it’s just a number. Does it make some things easier? Yep! But it is absolutely possible to 1: get an apartment 2: get a house 3: get a car and whatever else without a credit score.

My advice is to stop worrying about boosting your score and start budgeting your money and making that part of your life better. You are admitting that you aren’t good with finances so trying to get more lines of credit or financing more is going to be a bad idea.

Look up Dave Ramsey and The Money Guys and you’ll be good to go.

No, you don’t use a credit card more because you want to boost a credit score. That’s a very stupid decision. Budget your money to the dollar and if you’re responsible with credit cards (it doesn’t sound like you are, no offense) - then use credit cards to pay normal expenses.

Okay, 1: stop being fearful of not having a good credit score - holy hell. Also stop “trying” to use more of your credit line to boost your score. Focus on 1: getting your full time job 2: work more or a second job if you want more money and just budget. Everything else will fall in line.

I would go to a used car lot, maybe at a dealership but also any marketplace would do. Somewhere you can bring the car to a certified mechanic and have them check it. That should be a third party mechanic, not the dealership mechanic.

I wouldn’t rush into financing a vehicle. If you have money saved and start to generate income - go buy a Honda or Toyota that is used. Pay cash, don’t finance.