"Stop Asking Your Friends What to Text Her"
Your buddy Dave has been single for three years and thinks "hey u up" is a valid strategy. Your other buddy Mike just got dumped and told you to "just be yourself."
You showed them her text. You asked them to decode the emoji. You drafted four responses and sent the screenshot to the group chat for a vote.
She's been waiting forty minutes.
Put the phone down. Stop crowdsourcing your love life. Type something that sounds like you. Hit send. Then go do literally anything else with your evening.
How do I get out of debt?
- Thread starter e-lie
- Start date
"She's Out of Your League"
You've said it a hundred times. Maybe a thousand. And every time you say it, you train your brain to freeze the next time she walks into the room.
Leagues are a myth invented by guys who are scared of women.
She's a person. She has bad breath in the morning. She picks songs she can't sing in the shower. She overthinks her own texts.
Walk over. Say something. The league dissolves the second you open your mouth.
Ouch! Goodness gracious, $11,000 USD? Could you provide us with some more details as to what this came from? Please tell me it's not gambling debt.e-lie said:
But pretty much, yeah, you just pay it down. Sorry man. There's really no quick fixes. Cut back on the late night Taco Bell runs and see if you can trim some expenses. People end up wasting a lot of money on things like that, and it does add up. It won't get you out of your situation completely, but everything helps. What is your income like?
When you get some time, read The Millionaire Next Door. Although retrospective, it will help you from not getting in this situation again.
SmoothTalker
Master Don Juan
Put every spare penny towards the debt. If you have any investments, sell them and put them against the debt (unless they are stocks that are currently waaaaay bellow purchase price but you expect to rebound). If you have savings, obtain a line of credit and pour the savings against the debt instead.
Why? Because depending on the type of debt you're paying interest at 5-20+% per year, GUARUNTEED.
Tell me an investment that gives that kind of return every year for sure?
And as for not having savings, IF you run into trouble you can borrow money and then pay interest on it. Isn't that better then already paying interest on your loan while having savings that are essentially just sitting there? I know savings accounts pay interest, but its always much less then interest on debt.
OK, when an alcoholic embarks on sobriety for good, the first thing they tell them is to stop drinking.
In your case...stop spending!
You'll never bring your debt down if you keep adding to it. If you're serious about this, you need to change your outlook and expectations.
Learn to grocery shop and learn to cook and learn to stay home and be content with what you have. Until you dig your way out.
I hope there is no one named "Guido" involved in your debt
Maxtro
Master Don Juan
Decide on the most amount of money you can spend towards your debt. Pick the card with the highest APR and attack it and pay only the minimum payments on the lower APR cards.
Here is a rough outline. $100 towards monthly payments
Card A $10
Card B $10
Card C $80
Once card C is paid off, keep using that $100. Pay the minimum on Card A but put $90 towards Card B. Once card B is paid off, then put $100 onto Card A.
I'd also suggest calling the credit card companies and asking if they can lower the APR. It never hurts to ask.
"Why Women Dump the Guys Who Try the Hardest"
You paid for dinner. You drove. You said "whatever you want is fine" every single time. All the effort, no expectations.
And she left anyway — probably for a guy who makes her pick up the pizza.
Painful. Also predictable. Her mind quietly concludes that anything requiring zero effort from her is worth exactly zero. You became a free sample, and free samples get taken for granted.
The 22 Rules flip the dynamic. Small shifts that get her investing effort, money, and time in you — until SHE'S the one afraid of losing YOU.
Maxtro
Master Don Juan
backbreaker
Master Don Juan
that kinda defeats the purpose of becoming a doctor/lawyer.
their output for loads and debt was 4100 a month and I that doesn't sound like a lot of principal payment either at 500k.
talk about spinning wheels
Yeah, given that we're talking a doctor and lawyer, they probably spent 6 figures on their wedding and have 2 leased luxury cars in the garage. People think making more money is the answer to their problems, but all that does is give them carte blanche to spend more. Parkinson's law at work.backbreaker said:
"So, What Do You Do for Fun?"
She asks it casually, mid-sip. And you feel the floor open up, because the honest answer is work, gym, and a couple shows you're half-watching.
Women rarely say this out loud, but a man with a life is attractive before he says a word. The guy who spent Saturday deep-sea fishing and came back with photos and a story — he walks in already interesting.
The "22 Rules" pushed me to build a life worth talking about. Turns out the fastest way to be interesting to women is to be interested in your own life first.
"You Can't Argue a Woman Into Liking You"
You made your case like a lawyer. Stable job. Good guy. Ready for something real. All true. All irrelevant.
She weighed your points, nodded along, felt nothing — then fell hard for some tattooed bartender with a motorcycle and a gambling problem.
Logic is where attraction goes to die. The "22 Rules" work a level deeper, on the subconscious switches that decide within minutes whether you register as a MAN or as part of the furniture.
Stop presenting evidence. Start flipping switches.
or.... they went in debt to pay for medical and law school. I hear medical school is especially expensive.speakeasy said:
I presume they also have day-to-day expenses during these schools which they most likely wont have a job to pay for.Put all extra money towards the debt and cut out unnecessary expenses. Are you wanting something that sounds more eloquent and is no more accurate?
Next, cut all your credit cards up. Try a bank debit card that comes with a checking account.
spider_007
Master Don Juan
Pay the highest interst rate credit first, in another words, pay minimum payments on averything else, and the rest pay to the highest interest card.
Once you pay that off, go down the line. Take that money you would be paying for that high interst card (that you just paid off) and add it to the minimum payment that you ware making on the second highest card....
and keep going.
The more cards you pay off, the more money you have to pay the remaining cards/bills.
If your impationt kind of guy, you could start with the card with the lowest amount, that way you'll pay it off sooner, and you'll feel satisfaction and motivation to keep going.
MascaraSnake
Senior Don Juan
- Joined
- Oct 23, 2007
- Messages
- 230
- Reaction score
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I do with the smallest things (I'm a poor college student). Try to not ever sacrifice quality for price...there are high-quality products that are bargains everywhere.
The basic stuff is easy...use coupons, don't eat out that much, make a budget, etc., but here's a few suggestions I use if I'm in a pinch...again, I'm a tightwad artist so you might not take to these.
- Save every bit of change you get, and I mean every bit. Keep a jar or piggy bank and empty it out when it gets full...one time I had 20 dollars in mine, and that was only about 4 months of change.
- If you buy pre-packaged or deli-sliced meat, don't. Buy a mid-sized ham/side of beef/turkey breast and have the deli cut it for you. Haven't tried this with cheese.
- Use public transportation as often as you can if you're in a good-sized city. I wouldn't ditch the car unless you're in a very well-covered area.
- Cheap out on toiletries and buy in bulk whenever you can. My skin and hair are in great shape, and I do all of the morning rituals with bargain basement products. Cologne's a different story, but there are still deals to be had with your favorite scents if you look for them.
- Sell your CDs, and rip all of the songs to a cheap MP3 player to tide you over (it's technically illegal, but nobody will care and you can always buy the CDs again). For DVDs, get a cheap NetFlix account. For books, dust off your old library card. My local library (Minneapolis) tends to have a pretty good selection moviewise too.
- If you have basic and premium cable, think of getting rid of it. Premium is a no-brainer, but you can buy a lot of the TV shows on basic on DVD nowadays. You can make up for the news programs by subscribing to or reading a few different papers online.
"Stop Asking Your Friends What to Text Her"
Your buddy Dave has been single for three years and thinks "hey u up" is a valid strategy. Your other buddy Mike just got dumped and told you to "just be yourself."
You showed them her text. You asked them to decode the emoji. You drafted four responses and sent the screenshot to the group chat for a vote.
She's been waiting forty minutes.
Put the phone down. Stop crowdsourcing your love life. Type something that sounds like you. Hit send. Then go do literally anything else with your evening.