Recent content by PecanPwnd

Save money do the transfer period

Don't do it. That's a disaster waiting to happen. Just file. Declare bankruptcy. My brother in law went through it. And in about a year and a half? He got a new credit card. A new car. He was able to start fresh, completely. It only stays on your report for seven years.

Put your expenses and debts into moolahplan. It helps. Organizes payments.

I used Rise Accountants to get it setup https://www.riseaccountants.com.au/self managed super funds/smsf accountants

Some insurers let you pay extra. So they’ll chase the person at fault. Really, just pick up the phone call your insurer and ask.

Don’t even think about touching your 401k. There’s a penalty for that. Cut the extras Netflix, Amazon Prime, all that stuff that’s not essential. Bring in more money, maybe a second job, and throw every extra dollar at your debt.

It's a shitty job.... Picking up dog poo. Everyone hates it. Watch YouTube... Dog poo business. Dog poo clean up service. Think outside the box. How can you help pet owners? They hate this job. Offer a service i your area. You need a scoop, dust pan, garbage bag. Or a...

Have principles and adhere to them

Pay off the highest interest first. Work your way down from there. It's okay to use savings since you have an emergency fund.

You could pay off your debt in a year. I’d give your parents some money to help with their increased expenses. Start adding to your savings again.

Why did my FICO score drop 11 points from December to now? I paid off a $7,000 loan at the start of December. Then, since December, I’ve put over $1,000 towards another debt. So, I’ve reduced my debt by $8,000. No new debt has been added. Yet, my credit score went down. I don’t get it.