u/kitsune_surprise

I'm (26F) and make roughly 85k a year. I grew up poor and had no financial literacy or guidance from my parents or advisors for background. I accumulated a lot of debt helping my family out with bills and emergencies so I racked up a lot of credit card debt..

Anyway, I feel like I'm drowning in debt with no end in sight. I have 5 credit cards, a car payment, and student loan debt.

For a breakdown:

CC1: $12,800 - 28% APR min payment: $380. Actual payment: $1,150.

Cc2: $11,000 - 0-1.99% APR until 10/2027 min payment: $171. Actual: $300

Cc3: $2,900 - 0% APR until 04/2028 min payment: $30. Actual: $100

Cc4: $4,329 - 0% APR until 08/2028 min payment: $41. Actual: $100

Cc5: $2,900 - 0% APR until 03/2028 min payment: $30. Actual: $100

Car: $37,200 - 4.99% APR (72 months) min payment $649. Actual: $700.

Fed. Student loans: $16,775 (2-5% APR) - min payment $60.00. Actual: $225.

Ref. Student loans: $27,800 - 5.99% for 6 years. Min payment: $460. Actual: $520.

Savings: $850 a month. Currently have $2,400 in a HYSA.

Retirement: Company match at 4% in 401k pre and post tax. Also have a Roth IRA. All of these are through vanguard.

I still live at home with my parents and don't plan on moving out for another year or two due to my financial situation. My mental health is deteriorating from my parents toxicity and financial irresponsibility.

I bring home roughly $2,200 twice a month. I thought about taking out a personal loan or withdrawing from my 401k to help pay off the credit card debt, but I've heard bad things about both. I'm struggling a lot and have completely cut out dining out, impulse buying, and put my foot down when it comes to my family spending. If I want something I pay for it with cash and if I don't have it, I just don't buy it.

It took me a long time to realize that when I feel stressed or even depressed, I just want to spend money to fill a void. I've been cutting back a lot and removed all of my cards from shopping apps. I'm taking the steps to really limit my spending.

Any advice is welcomed.

I've always considered myself below average, bordering ugly in terms of appearance. I'm not severely overweight but I'm not model thin. I have curves to say the least. My hair has different textures and my face has hormonal acne from PCOS. I try to take care of myself, but I've been feeling miserable lately.

Recently, I wanted to talk to new people so I started using the quick add function on Snapchat. I have guys that add me back and ask for selfies. I send a few and they don't respond, it's just an immediate block. They're not risque pics or me asking for money, it's basic selfies of me in my car. I understand it's weird for people to add off quick add, but even when I was using dating apps. Which brings me to them.

When I first started using dating apps, I was 18-19 at the time. I'd get thousands of likes and with those likes I'd have a bunch of creeps to a point where I had to almost get police involved because they stalked me or kept harassing me. A few guys made burner accounts just to message or call me hundreds of times saying how awful of a human I was for not reciprocating. Other times, I ended up getting touched inappropriately or raped. Most ended with simple ghosting.

Now, I don't even use apps. I've tried talking to people at social gatherings and hobby places, but no one even gives me the time of day. I feel like I'm the worst thing people have ever seen and most days I barely leave the house.

I feel so lost and numb that i don't even check my phone for days in hopes someone will reach out, but no one does. I feel like crap because I don't even get an explanation as to why people ghost or treat me as a second or even last option. It's always just being put on the back burning and hoping to be picked one day. It sucks.

Waifu cup display cases. (GS sold out when I went to buy them)

Around 12-20 cases preferably. Willing to negotiate on price.

Located in US.

I'm a solo, female traveler and got a weekend pass to Magic Con in November. I'm flying in from out of state and would like to avoid getting a rental car and just paying for Uber/Lyft.

What is the weather like too in November? Can I swim outside (if a hotel has an outdoor pool)?

Please recommend your best hotels, restaurants, and activities.

Itinerary so far:

-Aquarium

-Coke Museum (optional)

-Magic Con

-NFL Game (optional)

I (26F) used to be an intern at a company where I met a guy in 2022. He was roughly 29-30 at the time.

Long story short, he was excited to hangout after I finished my internship, but after it ended he lost interest. We didn't speak for a 2 years. Then he messaged me in 2024. Asked him to go out, he refused with little explanation and blocked me.

2 years go by (now in 2026), he messaged me a few months ago. Said him and long term girlfriend broke up, doesn't want another relationship, not interested in dating, etc. I flat out told him okay, let's have sex and was heavily flirting with him, he reciprocated, but never met up with me in person. Out of nowhere blocked me. A week ago, he unblocked me on Snapchat and sent a friend request. I texted him just saying "hi?" No response. Okay cool. Moved on. Yesterday, adds me on Snapchat and removed me after an hour, no texts, no messages, just removed me. Texted again, "do you need something?", and didn't respond.

Why would he keep coming back if he's not interested in dating, being friends, or even a hookup?