I need to make more money to pay off my credit cards.
they were understanding
no
There were not enough options as to "strategies". Sometimes there was simply dialogue that did not fit the categories provided.
Same as above.
Hi there. How are you doing today?
assistant
Others
I'm good. Getting cold outside. Temp dropping over 20 degrees. Brr
user
null
Yes, I know! It's supposed to snow this week where I am. So, I understand you are in need of someone to talk to. What's going on.
assistant
Others
Oh no, I hate driving in the snow. Spun out one year- rather not drive in snow- at least when it's icy. My interest rate hit another credit card. Have to pay $80 more a month now Hoping to find more work so I can pay it off faster
user
null,null,null
Ah, so if I understand you correctly, your interest rate has increased, so you need to find another job to pay it off?
assistant
Restatement or Paraphrasing
yeah cuz it was a no interest rate card and that expired so it started charging interest. I knew it was coming but need to work more hours now. The interest I pay every month will go down as I pay more of the principal off. I just hate it
user
null
I'm sorry to hear that. Are you feeling stressed out about it?
assistant
Question
Yes and no. Cuz I know I will pay it off within 3 years at the most. Probably closer to two years. I just don't like to wait and want to pay it off sooner if possible
user
null
I understand exactly how you feel. When I finished school, I wanted to pay off my student loans as soon as possible. I'm glad to hear that you are not too stressed about it though.
assistant
Self-disclosure,Reflection of feelings
Yeah it's easier said than done. Btw I heard Biden might forgive student loans! Yay! Yeah cuz it bought a lot of items I needed so I'm happy I got them
user
null,null
I heard about Biden's plans as well! Luckily, I paid all of my debts already but I think it will be great for other people. Perhaps if you are unable to find another job to reduce the principal, you could try setting aside a certain amount of money each month to put towards the amount owed?
assistant
Others,Providing Suggestions
maybe they will reimburse you on what you paid I could if i really discipline myself to
user
null,null
It's just a thought. Alternatively, I'm not sure if you typically get money for birthdays and the winter holidays, but you could commit some of that amount towards your principal amount.
assistant
Providing Suggestions
I get some but I spend the money on myself- like chocolate! itll prob take me 2-3 years to pay it off. if i go too much into discrectionary money i feel deprived
user
null,null
I understand that also. There needs to be some sort of balance. However, it sounds like you are a smart person and will make sure to pay off the amount responsibly. Everything will be okay!
assistant
Reflection of feelings,Affirmation and Reassurance
absolutely. the time will go by fast enough and it will be paid off. ill make sure not to run the credit cards so high next time
user
null
Sounds like you've learned an important lesson from this, and will work towards responsibly paying it off. I have faith in you!
assistant
Others
thank ya! I think I'm fairly responsible. I like to have nice things and my credit card bill proves it lol
user
null
Just find the right balance between pleasure and responsibility and you will be just fine! Are you feeling a bit better now after chatting?
assistant
Others,Question
yes very much so. thank ya! Have a great evening! Bye
user
null