Is it a she? I read a comment and assumed. I went back and had changed she to OP because i realized the same thing, i don’t know where i picked up she.

$2000 pm in the bay area is a pipe dream and that is what i used ;) a little common sense can go a long way. And if I’m wrong and it is under 82% of their budget on rent cc debt and utilities would be the worst inaccuracy i would have here. Someone spending 90k in cc debt over their income likely made other bad financial choices and cares about possessions, likely their apartment is above average as well so when i say the above understand…. They are worse off than sharing.

If i am wrong in the other direction they are spending $2800 a month on rent and so fucked they won’t even share it. Either situation = bankruptcy. OP has no other choice no matter what you say they did not say. When 1/3 of you income is gone without a bill or obligation or balance in the world being paid… you are in a lot of trouble no way around it.

Also PT jobs… 1 year they would need roughly 63k to kill 1/2 the debt. 63k at PT pay = $70-$80 an hour at 20 a week (probably still not enough with taxes). Or lets give sleep up and say 2 PT jobs… now working 80 hours a week and driving to three jobs… they need two PT jobs that pay roughly triple their full time job in hourly wages. 🤷🏼‍♂️ there is no way man. I get the optimist role but…. It just isn’t there.

I don’t mean to be rude but you should not be providing financial advice online. The math doesn’t work out in any of your suggestions with basic survival numbers.

I would guess the OP has a car that is a little pricey, an apartment that is over what he should spend on. My numbers are done with far less than that and it has the OP barely able to eat without paying debt down.

Having to spend 82% of your income on debt and a single expense for 4-7 years to get out of debt has no first step that is not bankruptcy or a large inheritance. If we get conservative it is 72% over 8-14 years…. I understand paycheck to paycheck. The OP is not doing this… they are doing this then spending 90k above income.

It is important to remember the OP is sending at the very least 26% of income on just the CC interest. So putting rent at your suggestion means they have just rent and just interest at 60% of income. Add a car, insurance, cell phone, utilities and food in the area they are in and there is nothing left. It is not possible to do this on the OP’s income without changing their life entirely. They will be in bankruptcy to get out of this… they need to just do it now before they further their damage.

Sometimes the answer is not hope, spreadsheets and organization. In this case it is not and the advice of reducing rent is not sustainable. They need professional help or it will get worse. For them to do this budget overnight they would need to be very good at budgeting money to break even every check and not pay debt off. They need professional help.

This is not the answer. OP is spending somewhere around 62% of income to pay interest and housing alone. This is no longer a budging situation. If OP freed up 20% of her income (i very much doubt this is possible) OP would have to spend about 40k in 12 months to clear out $1400 a month in principal on these cards.

This would put OP paying this back in 4-7 years depending on ongoing usage and bring OP to 82% of income on housing (just rent) and cc payments. This is not possible, it is not healthy and it is not budgeting, OP needs professional help from someone who specializes in bankruptcy.

You need to talk to a bankruptcy lawyer. You do not have the means to pay your debt down and every day will make your balance higher. You need probably $2k a month for rent which means you loose $42000 a year on housing and interest payments. This leaves you with 25k a year for all living expenses other than housing and not paying down your debt. This is a very low quality of life.

90k @ 20% = $18,000 a year just to keep the balances at 90k. This is to much to tackle without help from family or friends. You need to call it quits and declare bankruptcy you can not do this on your income without very very very significant life changes.

Never look for a new job, put in notice and stay with a pay offer. Layoffs come and you will be the first out the door. You are a dispenseable asset as soon as you choose to stay.

It looks bad once you tell your employer you were looking to leave. Your chances of making more at the new job sooner is probably higher.

But if you had the money you probably wouldn’t have these circumstances :)

I mean… they would all probably get free tickets for a second trip so they could do it again for free. Neat part about dying is we don’t have to live with the aftermath. Do what makes you happy.