My friend who's been living with me mentioned wanting to move out at the end of January

She found a studio apartment downtown that she can afford. It would bring her close to the local transit hub so she could get easier, and also there's a gym for her to get in shape. She says she won't be able to pay off the little credit card debt she has in time for moving but she doesn't want to pass on the complex's offer.

I'm relieved that I'll have my space back soon. As pleasant as she is, being so close does take a toll on me. A part of me is disappointed that she can't pay the debt in time. With all the help I've given her, I guess I hoped it would completely fix things, but idk, she will get through it soon enough one way or the other.

Perhaps I could gift her my end-of-year bonus. Her debt right now is only $1600 and it would be a pretty swell way to end things off. Not committed to that idea though so I am not talking to her about that yet.

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PepsiColaP

You have been incredibly generous to help her out like that - giving her the financial crutch to pay off her debt down by giving her a free living space. I know she has contributed with cleaning and socializing but I do not believe she requires any further assistance. You should let her figure the rest of the stuff on her own,because at what point do you also somewhat enable her? That is just my two cents :) whatever you decided to do,there is no right or wrong really,it is ultimately your money.

BlueVeins · 26-30

@PepsiColaP I am of the opinion that the problems she has now are basically entirely down to past behaviors and not existing habits. She had 20k in debt at its worst, and she got it down to 6k before she moved in. Now it's down to 1.6k and declining. Since the behavior side of things is already fixed, I don't think there's any real risk of enabling. I certainly do think that's a salient concern though and I would not pay someone's debt if it were still on the rise.

I have definitely gone above and beyond to help her out and I guess that's why I want to cap things off in this way, you know? This is easily the best thing I have ever done in my life and it has been a big sacrifice. I guess I just want to ensure that all that sacrifice had a purpose, that this milestone was reached and that she would finally be free. She's still not in a great financial position either way with how shit her job pays and how behind she is on retirement, but starting again from zero, at least, makes things feel a lot more fair.

Besides, paying off the debt early will mean denying the credit card companies a little bit of interest. It's hard to express how much contempt I feel for those money grubbing little shitstains, so if I can make them suffer a little, I'm happy. (:

PepsiColaP

@BlueVeins having more context ,your entire motivation behind this parting gift makes sense. And I completely agree with you on your sentiments for any predatory organization, which most of them are regardless of individuals behaviours. I wish her the best of luck!

Baremine · 70-79, C

Sounds like it isn't a bad idea. And it sounds like you have done a good thing helping her when she was in need. Sounds like you are a good man. Merry Christmas.

Younameit · F

Does she have bad credit? Hopefully that won’t be an issue with her landlord.

BlueVeins · 26-30

@Younameit Believe it or not, no. Her credit is excellent.

Girlyfriendcollecting · F

If she cant even pay you rent she should not be moving out to some landlord that will raise the rent every year

BlueVeins · 26-30

@Girlyfriendcollecting She has had the capability for a long time. I asked her not to so she could pay off the credit card debt faster.

Monalisasmith86 · F

If she can’t afford to pay her credit card how is she supposed to live in the city

BlueVeins · 26-30

@Monalisasmith86 It's a tiny city, rent isn't very expensive. She's been paying down her debt for years.

Monalisasmith86 · F

@BlueVeins ok

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