I Was Evicted And Now Owe My Apartment $12,000

Brought to you by the EveryDollar app. Start budgeting for free today. Hey, so I've got a debt snowball question. So I'm getting ready to start Baby Step 2, and I've got all my debts listed out, smallest to largest. But I was evicted in January, and I still owe that apartment complex about $14,000. Why were you evicted? Probably number six on my list. I lost my job due to a medical complication. I'm reemployed now, and was able to get another rental place with a larger deposit. Great. What do you make? I make about $42,000 a year. All right, good. So you've got a huge debt there. Oh, that's just a portion of it. I'm about $53,000 in total. But my question is, my ex-boyfriend, my boyfriend at the time, was a co-applicant on that apartment with me. He was in another state. He never lived in that apartment. He was just helping me out because my credit is so bad. So I'm wondering if I should get that one paid off first so that he's not screwed when his lease is over, or if I should still just follow the snowball and go smallest to largest? Well, he's already screwed because he's got a judgment against him. Yeah. Okay. So, I mean, when his lease is over, that's going to show up on his credit bureau. Right. It'll either show he's got a judgment, had a judgment against him that's been paid off, or he's just got a judgment because the lease he signed got evicted. So that's going to... Yeah, he's got a pretty heavy damage to him already. Most of the damage has already been done, is my point. So whether it's paid off or not is not really going to keep him from getting something over in another city. So you got $54,000, you said. What's the other debts? Hey, George here with a quick interruption. If something were to happen to you tomorrow, would your family know where to find your life insurance policy, your will, even your Netflix password? Well, Knockbox solves that. It's a kit that organizes your financial accounts, estate plans, and everything your family would need all in one place. That way, they don't have to hack into your laptop or locate some long lost thumb drive. So leave them a legacy, not a scavenger hunt with Knockbox. Ramsey fans get the best discount available at knockbox.com slash Ramsey. That's knockbox.com slash Ramsey. What's the other debts? 53. Let me pull up my notes real quick. I've got some credit card debt. How much? Some other small personal loans. How much credit card? About 16,000. All right. That's 30 of the 53. What's the rest of it? Personal loans. How much is that? I've got about 14,000 on a car that was wrecked that I didn't have insurance on. And then a little over 12,000 to the apartment complex. And then just some other small things like old wifi providers that I haven't paid. Insurance I've been dead on, stuff like that. Okay. You are paying double and triple for a lot of things because you're paying it poorly. There's a lot of things on this list that, that are out of control, things, a car that I wrecked, I didn't have insurance on other stuff. I haven't gotten around to, and it's piled up back there. So there's a lot of different crisises represented in those things that you created by not taking care of business. Yeah. Like keeping car insurance in place. That's like a priority because otherwise you end up with this mess on a car and you don't even have the car anymore, right? Correct. What kind of work do you do? I'm a dog groomer. A dog groomer. Okay. And I'm just trying to understand how this all originated, how this kind of started spiraling out, like Dave was saying, where that instability came from. Is it coming from dog grooming as a profession or is it coming from something else? No. So in November, I was diagnosed with a disease that prevents me from driving and I'm a mobile dog groomer. Now it's managed and medicated and I'm back to work, but that's kind of when all of that happened. I wasn't able to pay the rent and the car insurance and everything just quickly piled up. The credit card debt is just for me being irresponsible. And you've cut them up since. Oh yeah. So, okay. Yeah, no, I'm going to work the debt snowball straight up. List your debts, smallest to largest pay, minimum payments on everything but the little ones and attack the little ones with a vengeance and work your way straight through as fast as you can. Are you on a salary at 42? No, I make around 800 a week depending on, you know, tips and all that sort of stuff. Right. Okay. Are you able to work more than you're working? So the branch in Colorado Springs just opened about two weeks ago. I was able to pick up a third day and as it grows, I'll be able to pick up more work. A third day? Yeah. I currently work three days a week. What are you doing with the other four days? I doordash, take care of my kid in my home. Didn't sound like it. Didn't sound like it to me. It sounded like you're doing nothing. Pretty much. Listen, you're broke. You got to be working girl. Yeah. All the time. Okay. How old is your baby? She's three. And who takes care of them when you're working? My fiance. Okay. Okay. When are you getting married? That is to be determined depending on how long it takes us to not be broke. That's how, no, that's how fiance works. We have a date. Otherwise, otherwise we have a promise that has not got a date. Okay. And so, yeah, that's an issue. How long have y'all been engaged? Um, November. Being debt-free is not required to get married in the state of Colorado. This is true. Okay. So what does he make? Um, right now he's not working because he was in a motorcycle wreck. Oh, y'all are a hot mess. How is he taking care of a baby? I mean, a three-year-old. Yeah. I mean, he can manage. I think you both need to work more. A lot more. Yeah. Yep. That's why I asked the question before. Less partying, more working. Lots more working. Money comes from work. You need money. Create your free every dollar budget today. The simplest way to budget for your life.