u/OddZombie177

R/debtfree - I could sue some guidance.

My wife and me are preparing for the future, we got the new family car and moved beginning of last year. Jointly, our account is pretty good. We’re in our early 30s. We put away a good amount per paycheck to cover rent, expenses, bills, etc.

Personal account however, could use some major help. When I was younger I took out multiple cards and I am feeling the burden of it now. Between 5 cards - roughly 30k in debt. I never took personal finance seriously but now I gotta put on my big boy pants and get this right or in the right direction.

I’m considering a consolidation loan to get me to a point that I can have a single payment and more or less daylight, it’s suffocating looking at what I’ve accrued.

The thoughts of NDR and getting shredded on credit scares me and filing for bankruptcy could jeopardize a move in the future.

I am turning to you fellow redditors, any advice would be greatly appreciated.

Looking forward to the Vietnam theatre that i decided to reboot the game and boy am I rusty. I tend to find that I am either just running into the fray and dying immediately or just shooting into the void trying to get kills. I tend to have a hard time seeing or have the intuition of where enemies are.

Any tips would be beneficial on how to do better/live longer than a minute.

I play on a PS5

Classes I typically pick from: Anything besides office or commander, I tried commander once and couldn’t handle the chirps from my own teammates. Haven’t tried tank classes or sniper/spotter.