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Yeah, I got hit with a repo once. But then, not long after, they sent me something saying it actually sold for more than I owed, so I didn't have to pay anything else. Weird thing is, it still popped up on my credit report, even though the debt was gone. Honestly, I think it just comes down to...

Hey, just a heads up – it’s worth checking your own state’s debt collection laws. Some of them actually pack more punch than the federal ones like the FCRA or FDCPA. I went after LVNV using Texas law, filed a suit, and they settled fast and paid up just to make it go away.

Yeah, that sounds right to me. If 30% of the place is tied to an income producing thing like a granny flat, then it makes sense that 30% of the sale price would be hit with CGT. Gotta double check that 30% number though, just to be sure!

Hey mate, check out the China utes. Solid chance you could grab one that's maybe three years old and still have like four years of warranty left on it. Honestly, mine's been way more reliable than my last three rides had a Pajero Sport, a Patrol, and a Prado before this.

Paying the highest interest rates first will give you the best bang for your buck

Take emotions out of money, it’s all numbers.

Alright, so here's what you gotta do: figure out how much you need to pay each month to get those 0% credit cards paid off before the deadline hits. Set that amount as an auto pay every month, and then toss any extra cash in your budget toward paying down the Discover card. Easy peasy!

Hey! If you want to save money and pay off your debt faster, go for the high-interest ones first. Also, just a heads up—those promotional APRs ending in October and December this year? Tackle them before the promo ends, or you'll get hit with compounded interest on the leftover balance.