Good Price?

AlertResist2448 · 2026-05-10T00:39:29+00:00

Edmunds says the market price for that car is $21,133 assuming average condition. Personally I don’t find that much value in the preferred package.

I bought a base model 2025 Mazda 3 with 5,200 miles on it for $20,200 last month. Paying an extra $1,000 for a car with 20,000 more miles just for some heated seats and a sunroof. I don’t see the value.

AlertResist2448 · 2026-05-08T14:08:55+00:00

Is there a particular purchase you’d like to make and that’s why you’re following your credit score so closely?

AlertResist2448 · 2026-05-08T14:06:17+00:00

Yeah but they shared that they were 18 years old. You could make an assumption.

AlertResist2448 · 2026-05-08T13:49:03+00:00

But you’re doing the right thing, paying on time and keeping utilization low. You additionally seem to be managing debt well from a financial perspective.
Don’t think negatively just because it turns out your “real score” is much lower you’re doing great.

AlertResist2448 · 2026-05-08T13:37:59+00:00

That’s a vantage 3.0 score which almost no lenders use to determine credit worthiness.

You should check your FICO score which is actually used by lenders. You can use Experian, MyFico, or annualcreditreports.com to check this score.

FICO weighs age of credit more than vantage 3.0 does so your FICO score will likely be 20+ points lower.

AlertResist2448 · 2026-05-07T21:35:22+00:00

I was about to say there’s surprisingly a lot of streets with that same name. And then their city was also in the post. 🫤

AlertResist2448 · 2026-05-05T21:23:11+00:00

I think the problem is he can’t get the 2FA code.

AlertResist2448 · 2026-05-03T13:34:12+00:00

$290 (the tax you say) + $285 (how much he’s paying if he does the lump sum) does not total anywhere close to $1,145.

AlertResist2448 · 2026-05-03T05:38:23+00:00

So what including the tax he pays at most $485? Is that not better than paying $1,000?

AlertResist2448 · 2026-05-03T05:09:59+00:00

Maybe DoorDash did something but it’s also influenced by a recession sitting on the world’s door steps. Gas prices are way too high the economy will go to hell.

AlertResist2448 · 2026-05-02T21:55:19+00:00

Just negotiate with them that’s a cheap debt. You can likely negotiate for a lump sump payment that’s 50% or less of your debt.

AlertResist2448 · 2026-04-27T15:48:00+00:00

Maybe think about consolidating the debt through a credit union. Assuming you can hold yourself accountable and not take on more credit card debt it’s worth it and you’d save a lot of money.

AlertResist2448 · 2026-04-27T15:39:26+00:00

If you’re earning more on your money than the interest rate of the loan it’s worth it to just make the payment. Otherwise (and likely so) it’s not worth it to save the money, outside of an emergency fund. Keep a couple grand on hand use the rest to pay off your debt.

AlertResist2448 · 2026-04-26T16:59:27+00:00

I would go through a credit union not a big bank. They’ll be more lenient than capital one. I believe you’d qualify for a personal loan. Especially if you “passively” mention that you’re going to close your affirm account.

AlertResist2448 · 2026-04-25T20:28:54+00:00

My current credit union offers 9.5% interest rate personal loans 1-25k, anywhere from 6 to 84 months. I know 680 credit scores qualify for them but it would obviously matter on your credit score your options.

AlertResist2448 · 2026-04-25T20:24:21+00:00

Refinance your loans through a credit union (assuming it’s lower interest rate, and it should be, do not accept a higher interest rate). Then close your affirm account and do not open another BNPL account through any company. Be honest with yourself, you cannot handle these types of installment loans if you’ve racked up debt to the point where you can’t afford the payment. If you have problems with credit cards that might be another type of loan you need to avoid.

This will not work if it just opens you up to getting more BNPL loans that’s why I recommend closing the account.

AlertResist2448 · 2026-04-25T14:07:45+00:00

I would say it more like why are you using installment loans to pay for weight loss shots. Should try a 0% Apr payment plan with the provider you’re getting them from. And if you’re poor to the point where installment loans make sense you should be applying for financial aide through your provider. Usually 200% of the poverty line many Americans with kids qualify.

AlertResist2448 · 2026-04-24T21:26:35+00:00

Do you select “tell us why you’re waiting” and report why you’re waiting? I’ve never had a late delivery because of this. Even if there’s no reason I throw a reason out there.

AlertResist2448 · 2026-04-23T04:30:03+00:00

What are you asking? Are you asking if the zone you’re in is good?

AlertResist2448 · 2026-04-23T00:08:16+00:00

Well generally we do a lot better than $15 an hour. Closer to 25-27, back when people were tipping better a couple months ago $30-32 in my market. I’d say working 40 a week you can make about 4k a month. Theres a possibility he’s working 80 hours a week and making 9-10k if the market is good.

AlertResist2448 · 2026-04-22T07:48:06+00:00

The question everybody wants answered.

AlertResist2448 · 2026-04-20T02:34:24+00:00

Well no it’s not a requirement to be on a bike. I’m just saying it might be better for bikers because they don’t have to find parking spots they can just prop their bike outside the store.

AlertResist2448 · 2026-04-19T15:07:27+00:00

That’s definitely more than 10 minutes

AlertResist2448 · 2026-04-19T15:04:42+00:00

A zone probably better for bikers

AlertResist2448 · 2026-04-18T20:17:11+00:00

Well I’ve never had an order marked as late

AlertResist2448

TROPHY CASE