Thanks man, the debt is manageable, just about. I actually need to get on to the credit card companies and claim financial hardship, i'm just a bit wary of admitting addiction to people who will control my life in future.
Are they going to offer me a mortgage if they're worried i'll go and shoot all my money up my veins? I don't know, I know a financial advisor who owes me a favour so I'll ask him.
My side-hustle came from the serendipity of meeting some PHP FIG guys who kind of took me under their wing, they're still the ones finding me side gigs while I build up a reputation.
You don't need to be ashamed of your addiction history. Personally, I wouldn't be touting it unnecessarily either though--in most cases it's not their business.
There are several options for consolidating debt, but beware. You don't want to be skipping from one master to another. YouTube some Dave Ramsey videos. It's up to you what kind of financial future you want. I decided I want to have no debt, except maybe a manageable home mortgage at some point. You have to figure out what's right for you and chart the course. That way, the results will be entirely owned by you.
Are they going to offer me a mortgage if they're worried i'll go and shoot all my money up my veins? I don't know, I know a financial advisor who owes me a favour so I'll ask him.
My side-hustle came from the serendipity of meeting some PHP FIG guys who kind of took me under their wing, they're still the ones finding me side gigs while I build up a reputation.