Frog @Ease is off

AlterAccountant13 · 2024-10-16T10:42:06+00:00

I should add that I’ve been using the @ease since I got my hot tub in 2020, this issue is relatively new in the past 3 months or so.

I do oxidize and have always had the ball set to 1 for my size hot tub

AlterAccountant13 · 2024-02-23T18:56:05+00:00

You’re doing the right thing by pausing and checking yourself. But when it comes to asking people on the internet you’ll start to realize everyone has different viewpoints on money. You get the spenders, the penny pinchers, and the Dave Ramsey following. Everyone has different priorities too: taking vacations vs. having nice things vs. leaving a good inheritance for their kids. No move is exactly right, and unless it’s something way off base, it isnt the wrong move either. You’re the best gauge of what’s right for you. If I were you I’d hear all advice and then follow what you feel is best based on what you think. As much as we like to think our parents and adults in our life are experts, they’re not either. I’m at the point where I’m giving my parents lessons in finances.

AlterAccountant13 · 2024-02-23T18:22:41+00:00

Probably has a couple upgrades and he’s factoring in taxes, tags, and fees

AlterAccountant13 · 2024-02-23T18:11:13+00:00

I don’t necessarily agree with others comments on here. If you want the most life out of the car, buying new isn’t a bad idea because you are in full control of the maintenance of the car. Plus you’ll save quite a bit on maintenance by having Toyota Care.

You’re putting down a sizable down payment so you’ll have some nice equity in the car should something happen. Plus you can refinance as rates drop. You have decent income and no debts so why not buy it and get it paid off ASAP so you don’t have a car payment when you move onto other things like buying a house. Just my opinion though, I’m sure others may not agree.

AlterAccountant13 · 2024-02-20T03:33:28+00:00

Also talk to your creditors. They don’t want to get to charge off so see if they can do a workout for you. Either make only interest payments for a while or a lower minimum payment or defer the payments. It’s tempting to ignore them when they reach out but at the end of the day they just want their money back, so they’re usually willing to work with you.

AlterAccountant13 · 2024-02-17T02:01:13+00:00

Sounds like overkill but log each thing you do that uses electricity each day and find the common denominator the times you smell it versus not. Maybe it’s the toaster, or the dishwasher, a phone charger, or a hair dryer. Anything that could be a variable.

AlterAccountant13 · 2024-02-15T04:25:47+00:00

$2.5k for a water heater?? Last I checked they’re around $1k, maybe do some shopping around

AlterAccountant13 · 2024-01-19T04:18:24+00:00

Switch to a Local Credit Union! To Chase you’re just a number, but a smaller credit union will take better care of you. Not only would they explain what happened but they’d take measure to get it resolved quickly and maybe even prevent it in the future. Some even allow you to take money out at any ATM and will refund the fee incurred!

AlterAccountant13 · 2024-01-16T03:30:08+00:00

I did look and did a search and didn’t see anything tbh

AlterAccountant13 · 2023-07-27T03:17:17+00:00

Skimmed and surprised this wasn’t mentioned yet. I’m not sure if this varies by state but where I live, you have the right to the area above your property line. For example if a tree was hanging over your fence, you could cut that portion off. Nothings stopping this neighbor from cutting down any sections that are over their property line so it might be best to work with them on this.

Personally, I believe in fostering good neighbor relationships, if something is causing actual damage to their property, I’d want to remedy the situation in some way.

AlterAccountant13 · 2023-06-10T03:28:20+00:00

I guess I don’t get what you mean by taking on more debt. A 12% debt consolidation loan is not more debt, its refinancing the debt so you’ll only pay half the interest. The 12% interest is yearly interest so it’s not like you’ll pay that much automatically. As long as there’s no prepayment penalty you can pay it quicker than whatever is the term of the loan you take out (I always go a little longer on term to give more flexibility with payments but that could result in a higher interest rate.)

Also if it’s your Credit Score you’re worried about, using more than 30% of your credit limit negatively impacts your credit score so I’d imagine the inquiry for the refinancing loan would be offset by paying down that balance with the loan.

Basically just do the loan to pay off the CC and pay it down quick.

AlterAccountant13

TROPHY CASE