u/Excellent_Cucumber59

Hello everyone, I'm 28M living in Hyderabad, India. I work for a company with around 40k INR per month salary stable job. I've started working from 2022. Generally people would save something while they work but in my case it's reversed. I got around 6 Lakhs of debt. Including credit cards and personal loans. At first it started with a simple salary based credit card and then personal loan to pay credit card and loan again to pay credit card and both personal loans. I've stuck in that vicious cycle and I'm seeing my current salary going just into hefty fines. I've asked friends and family about my situation even though my family is struggling with finances. I am completely devastated now and I agree this is all my fault. My over confidence dragged me into this. Lack of financial discipline stuck me like anything. Now after losing everything I probably could, I've learnt my lessons. At present I've got a bad CIBIL score (due to late payments) and friends and family are unable to help and no one to ask now. I didn't even have a single rupee in savings now. Living in the worst situation possible. Kindly suggest how I can get out of this hell. I've tried rapido, part time works but they're not paying enough to cover all this. I don't have any options to look into right now I'm ready to give my 90% of my salary and even for an agreement. All I want is to get out of this vicious cycle. Please suggest any way to help me.

Thanks in advance.

Hello everyone, I'm 28M living in Hyderabad. I work for a company with around 40k per month salary stable job. I've started working from 2022. Generally people would save something while they work but in my case it's reversed. I got around 6 Lakhs of debt. Including credit cards and personal loans. At first it started with a simple salary based credit card and then personal loan to pay credit card and loan again to pay credit card and both personal loans. I've stuck in that vicious cycle and I'm seeing my current salary going just into hefty fines. I've asked friends and family about my situation even though my family is struggling with finances. I am completely devastated now and I agree this is all my fault. My over confidence dragged me into this. Lack of financial discipline stuck me like anything. Now after losing everything I probably could, I've learnt my lessons. At present I've got a bad CIBIL score (due to late payments) and friends and family are unable to help and no one to ask now. I didn't even have a single rupee in savings now. Living in the worst situation possible. Kindly suggest how I can get out of this hell. I've tried rapido, part time works but they're not paying enough to cover all this. I don't have any options to look into right now I'm ready to give my 90% of my salary and even for an agreement. All I want is to get out of this vicious cycle. Please suggest any way to help me.

Thanks in advance. 🙏

Hello all, I'm trying to get public opinion on how they feel about an android application which gives you little 100rs to 200rs per 5 to 7 days for a 10 min activity everyday. But you'll get stable for a long time. Do you feel it is worth the time? Please help by providing your honest opinion on this. Payout type should be UPI or coupon/Voucher? What do you like?