@jacko So here is the plan to beat this financial problem I am having.
Default on Affirm. I get 90 days with affirm before I can catch up on my payments again. thankfully affirm does not charge late fees or stack payments. A problem however, is you cannot do loan consolidation or make a deal for repayment. But it will probably work out better because they do this thing.
I will be taking half the money I am defaulting on affirm with, and fully paying off small loans with them. I will do that for February and March. Without counting the violin on auction in February, I can lower my monthy bill enough I can make the minimum again. Which is just enough time to stop affirm from putting it in collections.
However, if that violin sells in February for enough money, I will then take that money and my problems will be over, so long as I do not borrow again like this. With the money from the violin I can pay enough affirm bills that I would be able to make the minimum and have plenty of money left over. And it would be done middle of March.
good luck bro, it that doesnt work out... bank the money and run up the debt (on living expenses) create a buffer and file BK.