Jade Warshaw

they put a hold on my payments for a year because we were not doing well.

Yeah.

I watched Financial Peace University when I was 20.

So that's why I was familiar with the baby stuff and everything.

Okay, so just for some context, like we budget...

everything we budget everything we don't buy extravagantly like the debt that we have on our credit cards is for necessities that we could not cover okay can i jump in can i jump in jennifer i know you're hurting and jade's right what she said but can i tell you something the reason you guys are hurting is because you don't have enough income

I am looking for the best way to consolidate my debt and to raise my credit score so in the future I can buy a new vehicle and a new house.

Only in the last year and looking at baby steps.

I've completed a couple, but out of order.

So I already have over $1,000 in savings.

I'm actually...

edging towards 10,000.

That's just because my dad raised me to always save money and make sure you always have at least six months worth of your bills to be covered.

And then I also have the 15% that I put back monthly into retirement.

401k and an IRA.

Anything else?

Yes.

So whenever I turned 18 and I went to college, I found out that my birth mom had used my information on a house loan, a vehicle loan, and two credit cards.

Oh, Lordy.

So I have the two credit cards that are on my collections, which is really the main thing that has affected my credit the most.