The Official 2019 Debt Smackdown

Welcome to the Official* 2019 Debt Smackdown! 


Happy new year everyone! 

I know a few of use have been chomping at the bit to get going with 2019's debt - so with out further ado, I present this years spreadsheet! First of all, quick thanks to everyone on here who supported this last year, and helped make sure the Google Sheet remained in tip top shape.

So what's this about? If you are holding onto some debt as you enter 2019 - and would like to get rid of it - this challenge is for you.

To the participants from last year, welcome back! For some of us, our total debts are too large to smack down completely in one calendar year, so if you're here from last year, congratulations on your progress and let's keep on doing this! In 2018, we collectively paid down over $1,500,000 in debt! An increase of OVER $600,000 than in 2017!

For all new participants, we are happy to have you join in this year! New blood is always welcome. Let's all motivate each other to pay off those debts and continue moving forward to financial freedom.

Per last year, this is a shared one between the two forums/communities. Hopefully, that won't bring any problems! (Link to the Forum post [soon])

How it works:


1. List the amount of total debt that you owe. 
This step is to give you an awareness of your current debt situation. Feel free to share, this forum is a safe and nonjudgmental place. You can also decide to keep this information private, you don't have to post your total here if you are not comfortable doing so. 

2. Post in this thread the total amount of debt you would like to pay off during the 2019 calendar year. (This part is required.) 
Feel free to break down the amounts by credit card/type of debt. Also, if you have a specific plan or some ideas on how you plan to pay down the debt, you can post that too. Maybe your plan will spark some ideas for others on how to tackle their own debts!

3. Check in monthly in this thread and report on how your debt smackdown is going. (This part is required.)

4. Post monthly on the 2019 Google Sheet to track your progress. (This part is required.)
Claim a line on the spreadsheet, and post your total debt to be paid off, and the monthly amount that you send off towards it. Some people track their total payments and don't account for interest, some people account for principal only. The method you choose is up to you!

If you come across this challenge later in the year, no worries, you can still jump right in. Just put zeroes in the months where you had not joined the challenge yet, and start in the month you join in. 
 

Last year, we collectively paid off $1,500,000. Let's smash that number again in 2019!

Please let me know any issues with the sheet - sometimes things are a bit wonky when making new ones!

*Official in the sense that there's a spreadsheet. Not official in the sense that it's made by YNAB. I'm just following naming conventions here :)

1779replies Oldest first
  • Oldest first
  • Newest first
  • Active threads
  • Popular
  • August has been my best month so far! According to my reports, I've knocked out almost $500 of debt this month!! I'm honestly stunned. I've been trending downward since March (though technically I went back up $8 in July). I'm completely elated right now. The bad news is that technically, I've only paid $83 to my original goal, since I'd added so much debt since starting this challenge in January. I moved that ~5k to a balance  transfer card, along with some other debt I'd accrued between Jan and March, and I haven't done a whole lot to that debt. But it's 0 interest, so I've been focusing my energy on paying off my revolving CC debt. So I have about $400 left to take off those revolving cards, and then 5.4k on my balance transfer card. 

    I've started some part time work so I'm hoping that helps a bit. The way it's looking, I'll be done with my regular-use CC debt next month, and then be on track to start working on my BT debt. My goal is now to cut at least 1k off that card between now and December. So only 20% of my initial goal. But with everything that's happened this year, I'd still call that a win 😄

    Reply Like 6
    • SiruhTheSantas Hooray! Congrats on your win and the part-time position. 😄 Goals and priorities change, especially when "life happens". Adjusting is the way to go!

      Reply Like 1
  • August update: $3805.42 to Student Loan, because we added the left over from expected car repair that was much less costly than we thought (hope it sticks!). We'll possibly soon divert an extra payment to replace windows, but this bigger payment knocks off more interest a tad earlier.

    *Just In* Husband thinks maybe we can look for a 0% financing offer for the windows and tackle those after the student loan... He also didn't like that I changed the goal with changing circumstances in June, so it's back to the original.  We'll see how it goes... I'm skeptical. :)  The teacher in me says we are setting ourselves up to fail, because it's not like we're getting new income, but he says we're setting ourselves up to be successful... because "not meeting the goal doesn't mean you're not successful..."  "If you have no goal, then there's no challenge.  If there's no challenge, there's no growth.  If there's no growth, then it's harder to be successful." 

    Actually, I agree.  Shooting for the moon is better. 

    Reply Like 8
    • Move Light Sound Life Also, if you shoot for a bigger goal and don't achieve all of it, you may still do better than if you shoot for a smaller goal and get it.

      Reply Like 5
    • Move Light Sound Life Shoot for the moon - even if you miss, you'll land among the stars. I've always loved that quote and I think it fits perfectly here! Either way, you're moving in the right direction, so you can't go wrong! :)

      Reply Like 5
  • August check-in.  Made payments to the two loans I'm tracking, so now I'm at 78.24% of my goal for 2019.  I'm so tempted to pay more to get to get to $0.00 and 100%.  But they're both no interest loans, so I might as well build up my sinking funds and savings a bit. 

    This group has been a big motivator, and I've enjoyed hearing everyone's journey.  

    Reply Like 9
    • TC Jackie I feel the same way about 0% loans - I want you gone, but you shouldn't be the priority. You've come a long way towards that goal and the last 21.76% will be gone before you know it! :)

      Reply Like 3
    • TC Jackie YES! If someone is loaning you the money for free there is no reason to pay it off any sooner than you have to. Good for you to putting the money where it can be helpful. I agree, it's tempting, but the money will do you more good sitting in a place where it's earning even a fraction of interest for you rather than in the creditor's pocket!

      Reply Like 3
  • August check in: 82% of debt paid off 😊

    $700 this month.  Yay.  Just the final $1300 AUD to go!

    Reply Like 9
      • Technicolor Cheetah
      • Not sure when I became a cheetah...but I'll run with it
      • technicolor_cheetah
      • 2 mths ago
      • 2
      • Reported - view

      rushiec 

      Wow, so close!  

      Reply Like 2
  • Sept Plans

    So I've got some lovely extra cash coming in and my company has given me a pay raise of sorts. So I have more money to play with once all these side hustles end in October. 

    Im still going to put 300 on my LOC, but future debt I'm putting 1k... actually just thinking about it. I'm going to put 500 on my LOC. These last 2 months I'm hitting records with my payments. It won't last so I want to give it some love before I lose these side hustle incomes.

    So not bad, $1500 for sept to debt reduction.

    Reply Like 5
  • August check in

    Starting balance from June: $646.99
    Paid down this month: $127.41
    New balance: $519.58
    Debt Smackdown Totals: $1,701.56/$2221.14 = 76.61%

    Reply Like 5
  • Just scheduled the last $1032.36 snowball payment for next month to a credit card that I believe I have carried some level of balance on for the last 18 years, which is longer than I have known my husband of 14 years or any of my 3 children. (How embarrassing) I don't even want to think about how much interest I have forked out to Bank of America in that amount of time. 

    Kicking you out of the nest, little credit card! Figure out how to support yourself, I'm done! That will leave me with a single balance transfer card to pay off before the end of the year which IS going to happen, come hell or high water.  Looking so forward to a debt free New Year in 2020.       

    Reply Like 14
    • DogTog That is amazing!!!! 🎉🎉

      Reply Like 5
      • Violet Drill
      • Violet_Drill_0bf6fcf19d
      • 2 mths ago
      • 7
      • Reported - view

      DogTog Congratulations! I'm down to under $500 on my oldest card, which I've had for 10 years or so and carried a balance on that entire time. It feels great, doesn't it?!

      Reply Like 7
    • DogTog Congratulations! I hope you celebrated after ending a relationship that long! ;)

      Reply Like 4
      • Slate Blue Vacuum
      • Trying to ignore the Joneses
      • Slate_Blue_Vacuum.5
      • 2 mths ago
      • 4
      • Reported - view

      DogTog CONGRATULATIONS!!! That's AHMAZING!

      Reply Like 4
    • DogTog WAHOO!!!!! Congrats!!!

      Reply Like 2
  • I've got $2000 waiting in a category to go to debt, but for a few reasons, I am going to wait and do a large payment at the end of September. It feels like a bummer to not put a larger number in the box this month, but I gotta remember that I have done the work and it is there safe in a category! 

    Reply Like 6
    • Trish B It just means an even bigger number in September!

      Reply Like 2
      • HappyDance
      • YNABing consistently since 2014
      • HappyDance
      • 2 mths ago
      • 3
      • Reported - view

      Trish B 

      I employed the same strategy.  It only slowed me down by one month, the first month, but after that it gave so much more peace of mind to be able to see a bigger picture when budgeting.  The bummer feeling will only last a month, and from that point on, you will be killing it.

      Reply Like 3
  • August check-in: I didn’t end up having very much extra to send to debt during August, but I did manage to make payments that covered my spending and a little bit more, so I’m still headed in the right direction. I’m definitely going to hit my goal (pay off my credit cards) this Smackdown, but not my stretch goal, which is ok. It was a stretch. I made a net total of $290.09 in debt reduction this month.

    Reply Like 6
    • Violet Drill The numbers are going down! Paying off your credit cards are a huge accomplishment, and nothing to sneeze at. Think about how great sending that last payment will feel!

      Reply Like 1
  • I have paid off $710 in August. I'm 98% done with my goal- $14821.15/15000. Although, I still have about $2000 to go to reach my stretch goal.  

    Reply Like 5
    • Gold Song If you can pay the same for the next 3 months will you hit your stretch goal or will the interest push it just past being achievable?  So close! It looks really doable right now. That's fantastic.

      Reply Like 1
    • Gold Song So close!!!! 🎉

      Reply Like 1
  • August check in - I made significant progress this month. Keeping it real, however, I know I have some work to do on my car and I am taking my son to University tomorrow...so....that means that I will need to really pay attention to my cash flow over the next few months to ensure that I don't take steps backwards. I have now reached almost 63% of my goal for this year! Woot!!! :) Here's to forward movement and no looking back!

    Reply Like 6
    • Bearours Congrats on your progress! Priorities can shift from month to month, and you're planning ahead. 🙂

      Reply Like 1
  • A somewhat discouraging month, with only the minimum payment to my loan. The balance is now down to $1230.

    The debt to the joint account I've done some more WAMing and that now stands at $1834.39, so a further reduction of $351 which in the grand scheme of things is not too bad. My income has dropped this month with reduced hours - down to 10/week which I'm actually not working all of, and this week I handed in my notice so from mid-October I won't even be doing that. 

    Anyway, this month's payments have put me at 57.91% of my goal. 

    Reply Like 3
    • WairereRose I'm sorry to hear it's been a discouraging month! $351.00 reduction is pretty great in my book. 🙂

      Reply Like 4
  • August Check-in:
    $1,134.01 paid (includes P&I)

    This month I received my apartment lease renewal letter and it went up a significant amount again this year. I decided to look into purchasing (first time ever!) so I'm going to scale back my debt paydown for the moment to just a bit over the minimums to shore up cash on hand for this process. My goal is to not take on any additional debt beyond what I choose to for the mortgage (read: credit card debt!) for whatever comes up during looking for and buy a home.

    Reply Like 6
    • Hot Pink Admiral We just went through that 2 years ago. It was TOTALLY worth it. Having lived through that entirely unexpected and unplanned purchase, we learned a few things. Firstly, every county has a housing department, and they have people who have worked in the real estate industry for many years that are paid for by your tax dollars that are free to talk to :) It's worth a call, because you never know what kind of resources you could end up with, including grants that will pay for portions of closing costs and down payments. We got a grant for 4% and it paid almost $10k, which meant we barely paid anything out of pocket for our house.
      The other thing that we learned is that they like to see low minimum payments with whatever debt you do have. So if you can find any options to do debt consolidation with a low monthly payment the banks like to see that. Basically, they are looking at how much you have available every month after you pay your other debts. So if you have any opportunities to get outstanding debt rolled together into a lower loan payment or a zero percent balance transfer, take those opportunities, too. According to our experience, especially if your income isn't all that strong, it is best to pay down the debt rather than save up for a down payment. You can get grants and other support for the down payment, but if your debt to income ratio is too high, then you can't get a loan at all. 
      Best of luck, I hope you have as good of an experience as we did!

      Reply Like 2
    • farfromtheusual thanks for the tips! And I'm so glad to hear you had a positive experience :)

      Reply Like 1
  • So excited! Yesterday, we paid off my car 8mos early! I also did a quick rundown of how long it will take to get out of debt ( except for the house)- and the time line has moved up to Feb! In January 2019 we were $23319.31 in debt, and by January 2020 I project that will be ~$1800.  And, if we "find" a little extra cash, we might get that number to $0 by Jan!

    Reply Like 9
    • Loves Mountains That's worth a happy dance!

      Reply Like 1
      • Slate Blue Vacuum
      • Trying to ignore the Joneses
      • Slate_Blue_Vacuum.5
      • 2 mths ago
      • 2
      • Reported - view

      Loves Mountains That is an amazing year! So happy for you!

      Reply Like 2
  • August check-in!!!  I've paid of 10,300 since January and another 844 in August!! 

    Reply Like 9
  • August update: Last month was NOT a good month, but this one was.  I got a bonus and threw the whole thing to my second credit card. I am making good progress.

    To everyone who keeps updating, y'all are a big encouragement to me. I scrolled through the spreadsheet and some never updated, some updated a couple months and quit. So thank you to everyone who keeps updating. In for the long haul!

    Reply Like 8
    • Magenta Panther Powering through the rougher months to get to the better months is a huge part of winning the war (and not necessarily the battle). Great job sticking with it! :)

      Reply Like 3
    • Faness thanks! Two steps forward, one step back is still a step forward. 

      Reply Like 4
  • July's Check in (bit late, but better late than never!)

    Starting balance    |   Ending balance        

    €1818.37 Credit Card €2,221.81 (+403.44)

    €14999.09 Bank Personal Loan €14550.07 (-449.02)

    €1986.64 Credit Union Personal Loan €1237.81 (-748.83)

     

    August's Check in 

    Starting balance    |   Ending balance        

    €2,221.81  Credit Card €2,413.32 (+191.51)

    €14550.07 Bank Personal Loan €14088.81(-461.26)

    €1237.81 Credit Union Personal Loan €1,081.71 (-156.10)

     

    Payments to debts have slowed down, Just bought a new home, Charged to credit card over the 2 months - September will be interesting...

    Reply Like 3
    • Keith New homes are tough! Congrats, and kudos for keeping the budget as tight as you have! That's a big deal with a new house!

      Reply Like 2
      • Keith
      • kilohotel
      • 2 mths ago
      • 1
      • Reported - view

      farfromtheusual Thanks! I will hold my breath for September I will imagine the numbers will be smaller but we will see! 

      Reply Like 1
  • Keep an emergency fund for F's sake! Seriously, this marathon debt pay down only works with money to cover the basic bills. I keep forgetting that...sigh. Two steps forward and fell down a short landing. We will survive! Added, AGAIN, for August $1600.00. Failing to plan and all that that portends. Onward September!

    Reply Like 4
      • HappyDance
      • YNABing consistently since 2014
      • HappyDance
      • 2 mths ago
      • 3
      • Reported - view

      Slate Blue Vacuum 

      Ouch!  Take care of you.  It's always tempting to skip the e-fund for the bigger goal of debt smackdown, and I learned that lesson the hard way too.  

      Reply Like 3
  • Still going backward on paying off debt. 

    Debt on 1/1/2019: $8,203.71

    Debt on 8/1/2019: $8,281.30 (+ $77.59)

    Total debt on 9/3: $8,645.50 (+ $365.20 from last month, + $441.79 since 1/1)

    I'm disgusted with myself because I have no idea what I spent that money on. I will go look it up. Sigh. 

    Groceries, eating out, Lyft, haircut. I'm incorrigible. I won't give up even though it seems that I am making little effort to get debt paid off. I do have $1,105.15 in savings for my long term sinking funds. That's something I guess. I want to just say "forget it, give up" but I won't. I will keep trying.

    To end on a positive note: a pic of my buddy, Woody, that his mom sent to me this weekend. ❤️🐶

    Reply Like 5
      • Keith
      • kilohotel
      • 2 mths ago
      • 2
      • Reported - view

      internettie Don’t be discouraged by the spending, it happens. I had to use my credit card for the past 2 months with unexpected spending. I think I spent too much time focusing on the paying down of debt that I let my true expenses slide a bit and that cost me. It’s more so me being impatient though and want a win now but I realize I need to be patient and let the debt go down at a stable pace and not neglect my other categories. As long as you put even 1 dollar more than the minimum balance each month then your already winning!   

      Reply Like 2
      • internettie
      • Writer
      • internettie
      • 2 mths ago
      • 3
      • Reported - view

      Keith I'm just trying to pay more toward debt than my interest payments are right now. I'm able to do that. Barely, but I'm doing it. I also am putting $240/month into savings for my long term sinking funds. I could put it toward debt, but I'm sick of not having anything set aside for things that will probably come up. I do cover my bills and short term, low cost sinking funds every month. I'm saving and paying some on debt, just going much slower than I hoped. It's actually somewhat amazing that I'm not spending on stupid stuff instead of spending more on groceries and eating out and transportation. I have to have more easy to make meals which cost more, and I can't take the bus right now at all because I'm having such difficulty walking so I'm using Uber/Lyft sometimes (I try to use my free zTrip rides whenever I can but I only have 2 per week). So it's not like I'm just buying clothes or stuff for the house (neither of which I need!). So, I will acknowledge that. I'm just frustrated being in so much pain and having the debt payment be so slow. I have wanted to order food in and get groceries delivered, but held off on both since I do have some food here (it's painful to prep, cook, and wash dishes, but I'm doing it when I can) and I hate spending the $8 on a delivery fee when I have homecare provided (though it has been 5 days since I had her here). I guess I'm not doing as badly as I'd like to think. Thanks for the support and encouragement and giving me the push to look at the big picture. I appreciate that!

      Reply Like 3
    • internettie Paying more than your interest might not sound like much, but those tiny steps will add up to something bigger in the long term. Hang in there - you didn't get in this much debt overnight, and you won't get out of it overnight either, but you have tools now that you are learning to use and use well - that will get you there as you keep persevering, and you have a team of supporters right here. You are working well within the constraints you have, and finding ways to work around your hardest problems. Again, these steps will help you come forward. Once the momentum picks up in this battle, you will be amazed how quickly you defeat your debt monster.

      Reply Like 3
      • internettie
      • Writer
      • internettie
      • 2 mths ago
      • 1
      • Reported - view

      WairereRose thanks for the encouragement! I need to remind myself that I am at least moving in the right direction overall. I certainly didn't happen overnight so I have to be in this for the long haul. I am rolling with the punches! I look forward to conquering my debt one day soon!

      Reply Like 1
    • internettie If you haven't been using YNAB for all that long, even if it has been since January, it takes a LONG time to really get into the routine of knowing what your real expenses are going to be. Don't beat yourself up about the transportation costs - that's just the cost of living for yourself right now. But once you've got a few months under your belt, you can begin to go back and look at the trends. That reporting feature is SO helpful. That lets you know how much on average you need to put towards any given thing, and then you can really begin to plan better. I'm only now getting to a point where I can look at that and get useful information out of it, and I've been on nYNAB for about a year and a half now. I had to get through a solid year of being in our new home before I could really start to look at trends of how we were handling money and how much was going towards what every month. It takes that long to really get a true picture. So use that feature and be patient with yourself. Sometimes the cost of delivery is worth it if you can save in the long run on things that would cost you more (like eating out).
      You've got this, even if it takes longer than you think it "should." (I try to remove that word from my vocabulary because it rarely results in me feeling good about anything, or making the kind or progress that I desire).

      Reply Like 3
      • MXMOM
      • MXMOM
      • 2 mths ago
      • 2
      • Reported - view

      internettie Hi, you have a tough situation because you only have to be accountable to you. I at least have to "advise" my husband that I am planning on spending more on something we didn't plan for.

      Are you doing your budget in advance of the spending? Are you setting an unrealistic budget amount (that's always my biggie)? Are you making a conscious decision to spend more than you planned? If so, did you think about where to move that money from?

      You may not be at a place right now where debt paydown should be a goal. You have a lot on your plate. Making a "no new debt" goal sounds like a good plan for you.

      And you're breaking my heart with the super cute Woody pic!

      Reply Like 2
      • internettie
      • Writer
      • internettie
      • 2 mths ago
      • 3
      • Reported - view

      farfromtheusual I have been using YNAB for about 10 YEARS!!! LOL I didn't start using it as a budgeting tool though until about a year ago. I had mostly been using it as a tracker. I was in a bad relationship until 2015 and then spent 3 years climbing out of that emotional hole. Now I'm working on climbing out of the financial hole. Everything that you said applies though. Thanks for reminding me that this is a process. 

      Reply Like 3
      • internettie
      • Writer
      • internettie
      • 2 mths ago
      • 3
      • Reported - view

      MXMOM for me,  in some ways, it's actually easier since I am accountable to only myself. I am doing my budget before the month begins and using the zero based budget. I think that I'm setting realistic budget goals. I have made some adjustments and continue to make them as I figure out what is realistic and doable. Sometimes I make a conscious decision to spend over budget but there are also times that I don't. I do WAM the money. I cover all of my minimum payments and make sure all my bills are paid. I mostly take away from the extra I would pay on a bill. Not great, but at least I'm getting the bills paid every month and saving some money. I never thought about having a "no new debt" goal! Thank you for that suggestion.

      Woody breaks my heart every time I see him! I love him so much. I got to see him Friday and again on Saturday and he just brings me so much joy!

      Reply Like 3
  • Made my last car payment yesterday!! My goal was to have it paid off by the end of the year. So excited!

    Reply Like 13
    • ecr250 Woot Woot! Happy Dance with you!

      Reply Like
    • ecr250 That was a great goal and you knocked it out a whole 4 months early (I'm including September here)! Congratulations! :)

      Reply Like 1
    • ecr250 Congrats! Way to be ahead of schedule!

      Reply Like 1
      • ecr250
      • ecr250
      • 2 mths ago
      • 1
      • Reported - view

       Thanks everyone!

      Reply Like 1
    • ecr250 Congratulations! 

      Reply Like 1
  • 😫

    So I've slid backwards. I finally did all the math because some things weren't lining up. I finally am below $1000 on my debt that is on a zero balance transfer... but my other credit card has crept up again, to the point where I'm not about $200 over where I started in January. I guess I'll just be happy to get back down to where I started at the beginning of the year :(
    So here's my breakdown from August:

                               Jan Balance       Payments              Current Bal  (Aug)         

    Mastercard: $1363.28          -$401.82                 $961.46       

    Visa:                     $355.42         +$592.78                $948.78

    TOTAL:            $1718.70                                            $1910.24

     

    Just gotta keep plugging away.

    Reply Like 2
  • September check in #1.

    Income tax refund.  90% paid off (excludes mortgage).

    Reply Like 3
  • My August check-in isn't what I planned for, but it's A-OK!

    I paid off my Care Credit card. It was interest free through December but I got tired of looking at a small  balance and paid it ($244.60)

    In an effort to lower the minimum on my Amazon card I made a lump sum payment ($412.49)

    I made interest payments on 4 different cards ($102.70; $41.28; $57.35; $65.66 = $384.30) 

     

    Overall, I'm pleased. I started the month with 10 credit cards and now 5 of them are paid in full. I lowered the minimum on my Amazon card, as well as another one. I have 4 cards left to tackle, one of which is my goal to pay off by the end of the year (1719.85 remaining to date) and then 3 loans. 

    Reply Like 5
      • TC Jackie
      • HR Manager
      • tc_jackie
      • 2 mths ago
      • 2
      • Reported - view

      just_zoshin just_zoshin Way to go!  You've got a plan and that's important.  I'm in the same place.  I'd like it all to be gone, but it's going to take a little more time.  The important thing is to keep plugging away at it - at least that's what I keep telling myself!

      Reply Like 2
    • TC Jackie Right?!  I'm so anxious for it to get paid but I need to remember that in this case slow and steady wins the race. 

      Reply Like 2
  • August check-in. Paid $1K toward debt this month. I'm holding onto my debt snowball money until we know for sure a shutdown is not going to happen again. 

    Reply Like 5
  • August progress report on my battle against the student loan beast.

    As of March 31, 2019: $251,414.81. This is my starting balance after joining YNAB in mid-March, 2019.

    As of August 31, 2019: $238,744.04

    August notes: Regular monthly payment resulted in principal reduction of $1,128.74. Even though in previous months, I had been doing a good job of throwing an extra $300.00 to the loan with each biweekly paycheck, I wasn't able to do it this month due to higher expenses and trying to fund a vacation that I just took. So made normal payment only. Total reduction of principal in July: $1,128.74.

    Year-end goal is to get the balance down $31,414.81 (from the March 31, 2019 starting number) to $220,000.00. With a $12,670.77 reduction since I've started making these progress reports, I'm now about 40.33% there.

    Reply Like 8
Like80 Follow
  • 80 Likes
  • 7 hrs agoLast active
  • 1779Replies
  • 12689Views
  • 229 Following