 Allowing that intrepid chicho. I know this is not that kind of stream But I'm wondering what tips you have regarding trying to save money while paying bills and Paying off other bills at the same time. I've been picking up small side gigs to make some extra money But it just seems like there's never enough. Thanks for any feedback. Okay intrepid check this out. Okay, and This claimer this is not financial device, but Check this out. Okay first of all your credit rating I Don't do a credit check on me. I don't give a rat's ass my credit rating is Right last time I did a credit check on me was 1990s or some crap like this right because it's bullshit, right? So I don't care about the credit rating, right? So keep that in mind. That's an assumption on The person so not financial advice Credit rating. I don't give a rat's ass, right? so If you're having a hard time making all your bill payments Sit down. Take a look at the payments. You have to make where you owe money right and Decide which ones you're gonna tell to f off You're gonna say, you know what I can't pay this done. I can't pay this done. I can't pay this done Personally if I was in certain financial situation, I would only pay the bills Where the debt will not be wiped out and where I couldn't make a deal with the Company institution that I owe money to that I can pay a small percentage of that debt To wipe it clean and you have to make sure you get it in writing and stuff like this So for example, I've known multiple people that have done this Let's say they owe $20,000 on a credit card stupid thing to do by the way Let's say they owe $20,000 on a credit card. So the credit card company sends them money They're charging them interest up to Yang Yang 20 plus percent Fed rate right now. What is it 0.5? They're charging 20 plus percent, right? This is like Robbery, right? So let's say they owe $20,000 to a credit card company, right? What you could do is pay off the other debts that you really need to pay your health care debt Maybe maybe student loans you need to pay because that doesn't get wiped off and stuff like this You can call the credit card company or let them They could send you letters or phone calls and stuff like this Before they tend to send it to a collection agency because what they do they sell debt Let's say you owe $20,000 if you can't pay it or they can't get a hold of you They sell that to a secondary company. Maybe for 50 cents on a dollar for 10 grand not even All right, maybe they sell it for 90 cents on a dollar or 10 cents on the dollar for Two grand right and then the credit card company starts calling it And then if they can't Not the credit card the secondary company and if they can't collect from you They can't find you they sell it again. So your debt might be sold multiple times, right? At some point either at the beginning or at the end you can make a deal with the credit card company If you owe them $20,000 you can say hey listen, I don't have the money to pay you. I'll pay you 40 cents on a dollar 50 cents on a dollar 20 cents of the dollar, right? Get it in writing You pay it off and your debt is cleared Okay to them anyway, so you really have to sit down and think about Which debts are important to pay and You feel obligated to pay and which ones you don't I can honestly tell you if you have any debts to friends and family You should be paying those off. Those are obligations those before anything else That's the way I've operated in my life any debts that I've had to friends and family I've paid those off before anything else Okay, really those are the ones that matter because When you pay off your debts to friends and family, they know you can always pay them off Maybe buy them a gift maybe pay a little extra if you ever need funds again, you can hit them up again Important important important They are your financiers your backers your safety net. I Hope That helps. I hope that helps. I'm scrolling all the way down. Oh nice. I'm all the way down to the bottom