Just found out I have some collections😩

I recently received two different phone calls from two different agencies that I owe collections from my 3.5 year olds birth. I didn’t even know there was a balance as I had insurance.

They JUST sent them off, luckily, so they said as long as I pay, it won’t affect my credit. However, that does mean I can’t pay as much toward my credit cards, spend as much, or save as much.

It isn’t ideal to have to pay a debt collector, but to save my credit and reduce my personal debt, I gotta pay it.

Now I have to budget for this every month. Man oh man. Hopefully, I can put more toward them and get them paid FAST!!

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