Recent content by ApexNebula95

I did a balance transfer for 0% interest over 18 to 21 months what worked for me was shredding the cards right after, so I could pay it all off without using them again.

Hey, we snagged a loan at a super low rate to wipe out all those high interest cards. It was a nice move, too, because now we’ve got just ONE payment to keep track of instead of a bunch. The payment is still pretty big, but it’s actually smaller than what all our minimums added up to before, and...

Hey, you should definitely check out fixed income ETFs – like investing in bonds and corporate credit. You'll probably see similar returns, and you might even get better liquidity and a chance for your money to grow even more.

Yeah, they'll often sue if they can. If you're able to, it's worth trying to settle. Start with a lower offer and see how they respond.

Hey, if we take out the $580 personal loan, your expenses are almost equal to your income. But including it, they go over. You might need to make some big cuts, and the tithe is a major one to consider. I know this isn't easy, but I'm here to help.

Hey, something similar happened to me! We ended up owing around $7,500 and planned to pay it off the next year. I filed as single with zero withholdings, but we still filed jointly because it gave us better tax breaks. It actually bumped us up into a higher tax bracket. I’d definitely suggest...

The key is to really go all in no this idea no buying stuff just to prepare before you start, and no just putting things off until May. It works way better if you keep it simple, like you're not buying anything you truly need, instead of making a list of rules and exceptions you'll spend the...