Recent content by Maria43

Should have been 0.5, they are just kicking the can down the road

This is both a financial and emotional question. Having the house paid off feels good. But in five years, the big house might be harder to afford. Think about the long term. Consider what you and your family truly need.

The lower the barrier to entry the higher amount of competitors

Yes, I wouldn't go back to long term renting. YouTube and ChatGPT can help you start. If there is enough profit, hiring a manager is a good option when you want to be less involved. If you buy a property in a good location, first do some market research. Use AirDnA for free. For more...

No it’s not. Dispute it

No but if you can, pay it for him, they’ll lower his limit

I would assume this is a scam. If it continues I’d call the police.

Freeze Lexus Nexus account, then dispute the derogatory items.

If you can pay it off in about 18 to 20 months, a balance transfer works well. If it will take longer, consider a loan with lower interest. It’s also about your habits and lifestyle. Small changes can help you stay on track.

Using Upgrade was straightforward. They handled payments to creditors, and I covered the rest myself. Now I have a two year repayment plan. The rate is lower, and the monthly payments are more manageable.

Sounds like a scam to me

Saving $1000 in two months is a great goal. We’re close to $700 after two months. That’s real progress. Living paycheck to paycheck is tough. You’re not alone in that feeling. Small steps can help build a little breathing room.

Repossession is risky. At auction, someone might get a good deal, and you could still owe a lot maybe $20,000 or more. Selling it yourself or back to the dealership is clearer. Get a loan to pay it off so you know your payment. A repo auction is a gamble you can avoid.

Start with your emergency fund first. Figure out your monthly expenses and multiply by two. That's your target amount. Next, focus on your debt. List it from smallest to largest. Pay the minimum on all debts, and put any extra money toward the smallest one. When that loan is gone, move...

You've nearly finished. Eight of nine are done, and now you're on the last one. Keep going. It will be over before you know it. You're doing great. We can do this.