Apartments in jonesboro ar utilities included

Ok time to get vulnerable …. My husband (31m) and I (28F) have about $35k in credit card debt. It feels overwhelming, and I’m not sure which method to choose to get this paid off: avalanche or snowball. Most interest rates are around 27% now. We have 2 cards that are 0% (one until 11/2023 @ $4100) and one until 11/2024 @ $8400). Below is our budget breakdown to a bare minimum. Doesn’t include contributing to savings as we have some in savings for emergency. Amex is our highest CC @ $8500 and 27% interest. The minimum is $150.
Income: $8600/month after taxes, insurance, and 401k match.
Mortgage- $2900 Car payment- $1000 Groceries- $1000 Utilities- $250 Peloton - $45 Gas- $400 Car ins - $145 Phone bill - $140 CC minimums- ~$600
Total: ~$6100
Remaining: ~$2100
So my question is should we attack this using the snowball or the avalanche method? We’ve loosely listened to Dave Ramsey and know he recommends the snowball. Does it matter either way? We want to have this CC debt gone in less than 2 years. Is that too unreasonable ?And our credit cards are cut up BTW! We finally said “enough is enough.” We want to be the generational change. My husband is the sole earner as I’m a stay at home mom to 3 children. I think that’s everything.. hopefully I’m not missing something. Oh yeah, husband is getting a 10k bonus this month (little over 5k after taxes), and we have non-retirement stock vesting in August that is currently worth around $15k (obviously can change). This is embarrassing to admit, but we are owning it and ready to tackle this!

Spritz Finance lets you easily use your crypto for everyday expenses. They currently offer a virtual debit card, crypto-wallet-to-bank transfer, bill payment using crypto and paying anyone to his/her bank using crypto.
Right now, if you sign up through my referral link and fund your Spritz virtual debit card with $50 or more with your crypto, you get $50 instantly! You can shop with your Spritz card or transfer your money to CashApp. There is also a separate promotion that rewards you a $10 matching bonus for your 1st payment for EVERY bill you have! I was able to score $110 total, for paying $10 each for all my 11 different credit cards.
Plus, I will personally thank you by sending you $10 for using my referral, upon payout confirmation!
Spritz accepts several kinds of crypto, but I recommend using MATIC (Polygon) because its transactions are dirt cheap (5-10 cents each time) and fast (seconds). Do use MATIC on Polygon Mainnet, NOT MATIC that's ERC-20 on Ethereum chain (Learn more). I'll be using MATIC throughout this guide, though you can use any supported crypto.
---
To Get $50 Referral Bonus + $10 From Me:

1. Sign up for Spritz Finance using my referral link: https://app.spritz.finance/signup?grsf=iytq7z
2. Verify your identity to finish your account set up.
3. If you don't have a crypto wallet yet, set one up. I recommend Metamask, and you can follow this guide.
4. From a crypto exchange, send at least $53 worth of MATIC (Polygon) to Metamask. Make sure you're withdrawing to Polygon mainnet, NOT to Ethereum/ERC-20. You want to have extra room of $3+ in MATIC for paying transaction fees later and $1 extra when withdrawing your bonus credit. Make the send amount $53 + $10 x number of your bills, in MATIC, if you are going for the bill-pay bonuses as well. You can read my tips section for how to transfer your crypto the same day and saving $ on fees when sending your MATIC.
5. Back on your Spritz page, press "Spend" to set up your Spritz virtual debit card.
6. Click "Fund with Crypto" and connect your wallet (Metamask etc.). Select/switch to Polygon network at the top of the screen.
7. Enter $50 or more for the funding amount. Remember, you'll want to leave $3+ worth of MATIC in your wallet.
8. Press "Fund with M" and confirm in your wallet to finalize your transaction.
9. You'll see $50 added to your "bonus credit" INSTANTLY!
10. DM me and tell me the email address you registered with Spritz. Upon confirmation of both our payouts, I will send you $10 via CashApp, PayPal etc.

In Step 5, you can choose "Off-ramp" instead to cash out $50+ your crypto to your bank account to qualify for the $50 referral bonus.
To Get The $10 Bill-Pay Bonus Many Times Over:

1. Within 7 days of signup, go to "Pay" at screen-top to begin a bill-pay.
2. Add an account to pay. You can add a variety of bills including credit card and utility bills.
3. Press "Pay with crypto", connect your wallet and enter at least $10. The max matching bonus of $10 is added in the final amount.
4. Press "Pay with M" and confirm to send the payment.
5. Repeat the steps above for other bills. You get $10 for making your 1st bill payment for EVERY bill you have! I got $110 total for paying off 11 different credit cards :) If your credit card balance is zero, you'll just get $20 statement credit for use later on!

How To Withdraw/Use Your Bonus Credit:
You can use your bonus credit in one of the following ways:

1. Top up your Spritz card to shop with it <--- (You can transfer to CashApp)
2. "Off-ramp" payment (transferring crypto to your bank)
3. Pay a bill
4. Pay someone

Press "Apply" to apply your "reward balance". Do note that you do have to add minimum of $1 in MATIC for one of these transaction.
Tips On Moving Your Crypto (MATIC etc.) To Your Wallet:
Coinbase is a great choice if you're starting out with crypto because it's easy to use. But Coinbase and many other exchanges will make you wait a few days until you can withdraw your crypto you buy from regular ACH bank transfer. If you want to buy and withdraw crypto the same day, try this method:

1. Buy bitcoin with debit card in Strike app (cheap fee)
2. Send bitcoin to an exchange (cheap fee)
3. Buy MATIC with bitcoin on exchange
4. Send MATIC to Metamask

This page lists exchanges with low withdrawal fees for MATIC. Kraken and Crypto .com are good choices.
---
Spritz charges you nothing if your monthly total transaction is below $100. After that, you start to incur small fees. See Fee Table.
Spritz' referral program is described here (clarification: funding Spritiz card IS a qualifying bill payment).
Spritz' bill-payment bonus is described here.
USA only. There is no credit check.
Please feel free to DM me to ask questions. I appreciate you using my referral link!

Spritz Finance lets you easily use your crypto for everyday expenses. They currently offer a virtual debit card, crypto-wallet-to-bank transfer, bill payment using crypto and paying anyone to his/her bank using crypto.
Right now, if you sign up through my referral link and fund your Spritz virtual debit card with $50 or more with your crypto, you get $50 instantly! You can shop with your Spritz card or transfer your money to CashApp. There is also a separate promotion that rewards you a $10 matching bonus for your 1st payment for EVERY bill you have! I was able to score $110 total, for paying $10 each for all my 11 different credit cards.
Plus, I will personally thank you by sending you $10 for using my referral, upon payout confirmation!
Spritz accepts several kinds of crypto, but I recommend using MATIC (Polygon) because its transactions are dirt cheap (5-10 cents each time) and fast (seconds). Do use MATIC on Polygon Mainnet, NOT MATIC that's ERC-20 on Ethereum chain (Learn more). I'll be using MATIC throughout this guide, though you can use any supported crypto.
---
To Get $50 Referral Bonus + $10 From Me:

1. Sign up for Spritz Finance using my referral link: https://app.spritz.finance/signup?grsf=iytq7z
2. Verify your identity to finish your account set up.
3. If you don't have a crypto wallet yet, set one up. I recommend Metamask, and you can follow this guide.
4. From a crypto exchange, send at least $53 worth of MATIC (Polygon) to Metamask. Make sure you're withdrawing to Polygon mainnet, NOT to Ethereum/ERC-20. You want to have extra room of $3+ in MATIC for paying transaction fees later and $1 extra when withdrawing your bonus credit. Make the send amount $53 + $10 x number of your bills, in MATIC, if you are going for the bill-pay bonuses as well. You can read my tips section for how to transfer your crypto the same day and saving $ on fees when sending your MATIC.
5. Back on your Spritz page, press "Spend" to set up your Spritz virtual debit card.
6. Click "Fund with Crypto" and connect your wallet (Metamask etc.). Select/switch to Polygon network at the top of the screen.
7. Enter $50 or more for the funding amount. Remember, you'll want to leave $3+ worth of MATIC in your wallet.
8. Press "Fund with M" and confirm in your wallet to finalize your transaction.
9. You'll see $50 added to your "bonus credit" INSTANTLY!
10. DM me and tell me the email address you registered with Spritz. Upon confirmation of both our payouts, I will send you $10 via CashApp, PayPal etc.

In Step 5, you can choose "Off-ramp" instead to cash out $50+ your crypto to your bank account to qualify for the $50 referral bonus.
To Get The $10 Bill-Pay Bonus Many Times Over:

1. Within 7 days of signup, go to "Pay" at screen-top to begin a bill-pay.
2. Add an account to pay. You can add a variety of bills including credit card and utility bills.
3. Press "Pay with crypto", connect your wallet and enter at least $10. The max matching bonus of $10 is added in the final amount.
4. Press "Pay with M" and confirm to send the payment.
5. Repeat the steps above for other bills. You get $10 for making your 1st bill payment for EVERY bill you have! I got $110 total for paying off 11 different credit cards :) If your credit card balance is zero, you'll just get $20 statement credit for use later on!

How To Withdraw/Use Your Bonus Credit:
You can use your bonus credit in one of the following ways:

1. Top up your Spritz card to shop with it <--- (You can transfer to CashApp)
2. "Off-ramp" payment (transferring crypto to your bank)
3. Pay a bill
4. Pay someone

Press "Apply" to apply your "reward balance". Do note that you do have to add minimum of $1 in MATIC for one of these transaction.
Tips On Moving Your Crypto (MATIC etc.) To Your Wallet:
Coinbase is a great choice if you're starting out with crypto because it's easy to use. But Coinbase and many other exchanges will make you wait a few days until you can withdraw your crypto you buy from regular ACH bank transfer. If you want to buy and withdraw crypto the same day, try this method:

1. Buy bitcoin with debit card in Strike app (cheap fee)
2. Send bitcoin to an exchange (cheap fee)
3. Buy MATIC with bitcoin on exchange
4. Send MATIC to Metamask

This page lists exchanges with low withdrawal fees for MATIC. Kraken and Crypto .com are good choices.
---
Spritz charges you nothing if your monthly total transaction is below $100. After that, you start to incur small fees. See Fee Table.
Spritz' referral program is described here (clarification: funding Spritiz card IS a qualifying bill payment).
Spritz' bill-payment bonus is described here.
USA only. There is no credit check.
Please feel free to DM me to ask questions. I appreciate you using my referral link!
https://preview.redd.it/b2ivpil3n34b1.jpg?width=632&format=pjpg&auto=webp&s=b42ec24ea76a997fb7aa7fba84998259d236799d
https://preview.redd.it/ezsexen3n34b1.jpg?width=581&format=pjpg&auto=webp&s=aa54f2a8f442a3a8d3531b81cda86fd82b286d1d
https://preview.redd.it/0ipkp9p3n34b1.jpg?width=850&format=pjpg&auto=webp&s=f03ae19d702f6ccab95f1751ebd40786d0ed9d85

Spritz Finance lets you easily use your crypto for everyday expenses. They currently offer a virtual debit card, crypto-wallet-to-bank transfer, bill payment using crypto and paying anyone to his/her bank using crypto.
Right now, if you sign up through my referral link and fund your Spritz virtual debit card with $50 or more with your crypto, you get $50 instantly! You can shop with your Spritz card or transfer your money to CashApp. There is also a separate promotion that rewards you a $10 matching bonus for your 1st payment for EVERY bill you have! I was able to score $110 total, for paying $10 each for all my 11 different credit cards.
Plus, I will personally thank you by sending you $10 for using my referral, upon payout confirmation!
Spritz accepts several kinds of crypto, but I recommend using MATIC (Polygon) because its transactions are dirt cheap (5-10 cents each time) and fast (seconds). Do use MATIC on Polygon Mainnet, NOT MATIC that's ERC-20 on Ethereum chain (Learn more). I'll be using MATIC throughout this guide, though you can use any supported crypto.
---
To Get $50 Referral Bonus + $10 From Me:

1. Sign up for Spritz Finance using my referral link: https://app.spritz.finance/signup?grsf=iytq7z
2. Verify your identity to finish your account set up.
3. If you don't have a crypto wallet yet, set one up. I recommend Metamask, and you can follow this guide.
4. From a crypto exchange, send at least $53 worth of MATIC (Polygon) to Metamask. Make sure you're withdrawing to Polygon mainnet, NOT to Ethereum/ERC-20. You want to have extra room of $3+ in MATIC for paying transaction fees later and $1 extra when withdrawing your bonus credit. Make the send amount $53 + $10 x number of your bills, in MATIC, if you are going for the bill-pay bonuses as well. You can read my tips section for how to transfer your crypto the same day and saving $ on fees when sending your MATIC.
5. Back on your Spritz page, press "Spend" to set up your Spritz virtual debit card.
6. Click "Fund with Crypto" and connect your wallet (Metamask etc.). Select/switch to Polygon network at the top of the screen.
7. Enter $50 or more for the funding amount. Remember, you'll want to leave $3+ worth of MATIC in your wallet.
8. Press "Fund with M" and confirm in your wallet to finalize your transaction.
9. You'll see $50 added to your "bonus credit" INSTANTLY!
10. DM me and tell me the email address you registered with Spritz. Upon confirmation of both our payouts, I will send you $10 via CashApp, PayPal etc.

In Step 5, you can choose "Off-ramp" instead to cash out $50+ your crypto to your bank account to qualify for the $50 referral bonus.
To Get The $10 Bill-Pay Bonus Many Times Over:

1. Within 7 days of signup, go to "Pay" at screen-top to begin a bill-pay.
2. Add an account to pay. You can add a variety of bills including credit card and utility bills.
3. Press "Pay with crypto", connect your wallet and enter at least $10. The max matching bonus of $10 is added in the final amount.
4. Press "Pay with M" and confirm to send the payment.
5. Repeat the steps above for other bills. You get $10 for making your 1st bill payment for EVERY bill you have! I got $110 total for paying off 11 different credit cards :) If your credit card balance is zero, you'll just get $20 statement credit for use later on!

How To Withdraw/Use Your Bonus Credit:
You can use your bonus credit in one of the following ways:

1. Top up your Spritz card to shop with it <--- (You can transfer to CashApp)
2. "Off-ramp" payment (transferring crypto to your bank)
3. Pay a bill
4. Pay someone

Press "Apply" to apply your "reward balance". Do note that you do have to add minimum of $1 in MATIC for one of these transaction.
Tips On Moving Your Crypto (MATIC etc.) To Your Wallet:
Coinbase is a great choice if you're starting out with crypto because it's easy to use. But Coinbase and many other exchanges will make you wait a few days until you can withdraw your crypto you buy from regular ACH bank transfer. If you want to buy and withdraw crypto the same day, try this method:

1. Buy bitcoin with debit card in Strike app (cheap fee)
2. Send bitcoin to an exchange (cheap fee)
3. Buy MATIC with bitcoin on exchange
4. Send MATIC to Metamask

This page lists exchanges with low withdrawal fees for MATIC. Kraken and Crypto .com are good choices.
---
Spritz charges you nothing if your monthly total transaction is below $100. After that, you start to incur small fees. See Fee Table.
Spritz' referral program is described here (clarification: funding Spritiz card IS a qualifying bill payment).
Spritz' bill-payment bonus is described here.
USA only. There is no credit check.
Please feel free to DM me to ask questions. I appreciate you using my referral link!
https://preview.redd.it/etavmiv1n34b1.jpg?width=632&format=pjpg&auto=webp&s=c772bb4d1261949fd47a4991849f8bf8ffd5f9c4
https://preview.redd.it/2wmcpgx1n34b1.jpg?width=581&format=pjpg&auto=webp&s=f61953c94cb6106bef7497e00263adef7ed158df
https://preview.redd.it/nl7rl3z1n34b1.jpg?width=850&format=pjpg&auto=webp&s=307a8a2c40613074edd9d51e194aa8031c916033

I (23f) have two friends Abbie (22f) and Sharon (22f)
Abbie was with some people for about four years who got into a ton of debt. Not going into details but she was basically kicked from their home and they are trying to take legal action against her for false crimes in hopes of getting some lawsuit money. So far they have no lawyers willing to take their case so it’s safe to say Abbie won’t be getting charged with anything.
Abbie is now couch hopping until she gets back on her feet. She has been staying with me occasionally, and I give her food and access to all of my apartment utilities whenever she needs. I’ve known her for a very long time and am decently aware of the details of her situation.
I went down south for a weekend to visit my friend (23f) who just got out of brain surgery for a grand-mal seizure. I hadn’t seen this friend in almost a year and wanted to show her a good time after she stayed in the hospital for almost two weeks.
Que in our mutual friend Sharon (22f). She met Abbie through me about a year ago and has also been helping her. But I found out that she is trying to dictate where she works and has pressured her to sign onto the lease with Sharon and her boyfriend Ted (24f). Abbie confided that some people have been harassing her telling her she’s at fault for being in this situation, and said that so many people don’t understand what she’s going through.
When I was hanging with my sick friend Sharon sent me a bunch of texts saying that I’m not stepping up enough, I should feel ashamed for “abandoning” Abbie to hang with my other friend, I’m trying to pressure Abbie into giving me money (never did), shouldn’t even be involved since I don’t do enough, Abbie has every right to cut me off, all my advice is stupid, I don’t understand since I’m “rich”, etc. Then condemned me for introducing Abbie to other people and taking her out - saying that she’s not ready to hang with people who she doesn’t know that well. Abbie has been isolated for the past year living with her ex-roommates, and has said many times that she wants to go out and be with others.
Mind you they didn’t really talk for almost a year and Abbie stayed with them once.
I told her she’s overreacting and that she is causing issues that don’t need to be added to Abbies plate right now. She’s now giving me the silent treatment.
I’m not sure how to resolve this. I didn’t wanna cut Sharon off since she’s been a healthy friend before all this, but I don’t want her causing any more issues. Any advice on how to calmly diffuse the situation?