▲ 0 r/Debt

Is it possible to achieve a low settlement on credit card debt?

I have $60,000 in credit card debt across 3 credit cards with navy fed. One of those being in collections. They sent me a settlement offer of $12k over 12 months of payments. Think I can get them to go down to $8-10k? And is it possible to do it with the others even though they aren’t in collections?

I also have $2k in other debt in collections. I’m 27, i was stupid at 24 and have just been paying the price since. It’s just time to take ahold of my life. My credit is too poor for debt consolidation and I struggle month to month

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u/luckydad444 — 10 hours ago
▲ 12 r/shopify

How did yall go about getting social media traction?

I’ve been working on my company for about a month and trying to get social media traction seems harder than I thought. Granted I’ve only been trying for a couple weeks on instagram and have gotten one person with a decent following to promote once my product gets sent to them. But do I just stay on this track or do yall have any tips and tricks?

Also is it weird to follow people until I have at least a decent little following? Like 200-300?

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u/luckydad444 — 20 hours ago

How did yall go about getting social media traction?

I’m starting out my own online company and trying to get social media traction seems harder than I thought. Granted I’ve only been trying for a week, and have gotten one person with a decent following to promote once my product gets sent to them. But do I just stay on this track or do yall have any tips and tricks?

Also is it weird to follow people until I have at least a decent little following? Like 200-300?

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u/luckydad444 — 21 hours ago

I (27M) caught my (25f) gf/ BabyMama talking to her coworkers talking about the crush she has on another coworker and how she’d blow him. Is there really any reason to stay?

We’ve had a terrible but amazing and complicated relationship. And yes I’m aware I never should have stayed from the beginning but I’m here now.

Quick Backstory: She cheated on me in the beginning of our relationship. Tried moving on from it. She was wild and fun and so was I. We had a lot of fun and adventures. I got her pregnant. We moved states and found out as we were moving. Her hormones were out of control. She became massively abusive, breaking all my stuff constantly, gave me a concussion, broke my hand. Yeah it was bad.

I left her once, got an apartment, went out to the bars and brought a girl back to it. She begged me to move back in and not be done. I gave in and moved back in. Told her about the girl, she counts it as cheating cause we stayed together. Okay whatever, then when she continues belittling me and abusing me and then she breaks something super nostalgic from my parents. I lost it, went out to the bars, went home with another woman. Alright that one was definitely cheating.

So basically she cheated on me, then I cheated on her back with two women. Couldn’t have left? Sure but she was pregnant and that was a hard choice to make. Backstory complete.

Everything has been good since the last time I did something two years ago. We had the baby, her hormones calmed down, we got to the point we let each other go out again. We loved each other and I don’t doubt that.

However, two nights ago she went out with her coworkers. That’s perfectly fine I was supportive, and then she butt dials me… doesn’t even realize. Now I’m a peep. And I know damn well many of you are too, of course I’m gonna listen in for a second, but I didn’t expect to hear this.

She starts telling her best friend about how she has a crush on a guy they work with. The coworker says that she can easily tell. My BM proceeds to say “really? You can tell? Right? There’s definitely something there”

Fast forward later she tells her other coworkers about her crush, including a male friend of his.. they talk and she flat out says she’d suck his dick….

That was fatal. She made the statement that “she would never act on it actually” to her friend. But come on. You made that an open door especially telling his friend.

Anyways she has no idea I know yet. I’m baffled and just debating on what to do. I know damn well shes gonna cry and say don’t leave and do what she always does. My son’s getting older now, still really young but it’s a hard decision with him. And regardless of it all I love her so much. She will always be the mother of my child. But I have been through way too much from her. If you read this far then thank you, truly. And tell me honestly what you think. Lord knows I truly need advice rn.

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u/luckydad444 — 7 days ago

Is there a difference in north and south tower at the ocean creek resort?

I will be staying there later this month and was just wondering if I there was a difference in the two towers and which was better?

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u/luckydad444 — 1 month ago
▲ 32 r/drywall

What am I doing wrong?

I’m trying to fix this hole. I messed it up the first time with the little patch screen kit. This time I bought a small sheet. Cut out the square and used joint tape and putty. It looks terrible. I sanded it and everything.

Obviously I don’t know what I’m doing. So how do I do this right?

u/luckydad444 — 1 month ago
▲ 2 r/Wiring

How do I remove the rubber coating without scoring the actual wire?

I’ve used the tool meant for removing it but it seems to keep scoring the wire on my doorbell and then in turn makes it break off when I try to wrap it. What are my options?

u/luckydad444 — 2 months ago

Is there any place that does free/cheap dog vaccines?

I know there was just a day that a company was giving out free vaccines and I missed it. Is there another event like that at all?

If not is there a place that does them free/cheap?

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u/luckydad444 — 2 months ago

An update for those who remember the screw question.

I just used 3” screws instead of 2 1/2”. Worked out amazingly.

I still need to add the plywood topper but it’s a wrap for tonight.

u/luckydad444 — 2 months ago

How easy would it be to add this overhang for a porch?

The first photo is my home as it is now. The second is chat gpt vision of what I wanna do to the front of my home.

I’m familiar with decking and all the below aspects. But I haven’t dealt with roofing. So I just wanted to check with yall.

I wouldn’t need to remove any of the already placed roof correct? I can just build into and over what is there? And do yall think this is a decently easy DIY job?

u/luckydad444 — 2 months ago

Is this enough?

I’m building a tote storage rack and using 10 x 2-12” self tapping screws. Is it just me or does that not seem like enough?

u/luckydad444 — 2 months ago

Looking for a good quality Print On Demand with a wide variety of items.

I want to start an apparel company (I already have a niche and target audience) but I don’t exactly have a crazy amount of money for a startup so print on demand is kind of my only option.

I’m looking for one that has all of the basic items I need until I’m able to start sourcing elsewhere. I want T-shirts, sweatshirts, tank tops, swim trunks, bikinis, and stickers at the least. Is there any company that has those and of course good quality is a must.

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u/luckydad444 — 2 months ago

Looking for a good quality Print On Demand with a wide variety of items.

I want to start an apparel company (I already have a niche and target audience) but I don’t exactly have a crazy amount of money for a startup so print on demand is kind of my only option.

I’m looking for one that has all of the basic items I need until I’m able to start sourcing elsewhere. I want T-shirts, sweatshirts, tank tops, swim trunks, bikinis, and stickers at the least. Is there any company that has those and of course good quality is a must.

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u/luckydad444 — 2 months ago

I have a Samsung dryer model DVE45T32000W/A3. The heating element went out, I bought a new one off of Amazon that said it fit this model. Replaced it myself and put every screw, wire, and piece back exactly where it was before.

I turned it on with a couple wet clothes in with it, nothing too much just enough to where it wasn’t empty. And it started emitting a burnt smell and smoking a little, not a crazy amount of smoke but enough to see when I opened the door and then set off all of the fire alarms. I turned it off and the smell and smoke went away pretty quick. Within a minute or two.

Is this normal? Am I just suppose to push through it? I expected a little bit of a smell but not full on smoke. I don’t want to start a fire in my house lol

Update: I ran it again for about 40 minutes on low. No smoke or burning smell and then just ran my first load through it. Everything seems to be perfect and it was just burning off whatever it needed to, be it lint or oil or whatever. Thank you all for the advice

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u/luckydad444 — 2 months ago

Im trying to rent out a jeep for the weekend as my car is in the shop from an accident. I want a jeep wrangler but for the life of me I can’t seem to find one. Is there anywhere around here or the Raleigh area that for sure has them?

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u/luckydad444 — 2 months ago

I have used nicotine pouches heavily for over 5 years now. Going through different phases of sometimes having two 8mg in at a time to even just using one 2 mg at a time. Regardless, for the past 5 years I have had a pouch in from the time I wake up to the time I fall asleep. And I can clearly tell how much it has changed me.

I was 22 when I started. And before that I never once had an addiction to it. Sure I had a couple here and there when I was drunk and at parties or what not, but never an addiction. I was a very healthy boy, always drinking water, always feeling in-tune with the world so to say. I was a light sleeper and I never felt like my sleep was terrible. I’d get up at my first alarm no matter how early. No anxiety or daily sluggishness. I felt great. And I was proud that I wasn’t addicted to these things.

Then I let the pressure of the world doing it around me take hold. So much about me has changed since then. I absolutely have anxiety now, my sleep honestly always feels terrible and even sleeping 8-9 hours I still don’t feel like it’s enough, and waking up to my alarms is nearly impossible. If I didn’t have a spouse I’d never make it on time to anything. My physical fitness has gone way down, my sexual drive and performance has gone way down and just generally I feel like I have this brain fog. And honestly no mental clarity, just that continuous craving to pop in another pouch.

I didn’t realize how much of myself I have lost being addicted to this stuff. But I fully realize now, and I know this shit alters your brain. But can I return to how I used to be? I want to feel normal again, and feel like I used to. I wanna be able to feel rested no matter the sleep amount. To be able to hop right up to my first alarm. I want this brain fog to go away and to be able to feel in tune with the world again. Has anyone else felt like this and has anyone else been able to return to normal?

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u/luckydad444 — 2 months ago
▲ 2 r/army

Enlisted here. I came down on a projection but have no hard cut orders. I called to have them changed and he said he couldn’t change that but he didn’t sound like he was really trying.

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u/luckydad444 — 2 months ago