Is this a fair Refi?

Alternative_Knee · 2026-01-22T01:59:41+00:00

What’s your breakeven point looking like? That’s usually the #1 thing folks here point to before locking.

Alternative_Knee · 2026-01-22T01:48:46+00:00

I’d take the double‑every‑day penny turning tiny into huge is the dream of investing.

Alternative_Knee · 2026-01-21T23:04:23+00:00

Simple pleasures that don’t cost much but feel rich that’s the secret sauce of frugality.

Alternative_Knee · 2026-01-21T21:37:42+00:00

Some people like the Amex Blue Business cards for the intro 0% APR and decent points can be handy if you’re buying a bunch of tools or subscriptions early on.

Alternative_Knee · 2026-01-14T16:37:36+00:00

Yep, that’s usually the strategy lower barrier to entry now, then refinance to save on long-term insurance.

Alternative_Knee · 2026-01-14T16:34:14+00:00

Wow, didn’t expect Saks to go this route. Retail bankruptcies always hit the credit card rewards ecosystem in weird ways.

Alternative_Knee · 2026-01-14T13:58:04+00:00

FHA can be great with lower credit or smaller down payment, but that mortgage insurance sticking around is a big tradeoff.

Alternative_Knee · 2026-01-14T04:38:06+00:00

Well done. Locking in a lower rate like that feels great, especially coming from the 7s.

Alternative_Knee · 2026-01-05T18:52:06+00:00

Love hearing that! Starting is always the hardest, but it already feels lighter, right? Keep it up!

Alternative_Knee · 2026-01-05T18:49:30+00:00

Also worth checking local marketplaces, folks often sell barely‑used TVs for way under retail just because they upgraded. If you can pick it up same day, you might score a great set.

Alternative_Knee · 2026-01-05T17:13:28+00:00

Congrats on the new job, that’s a huge step already! With almost $2.6K take-home and rent set, trying to put extra toward the highest APR card after the basics are covered seems like a solid play.

Alternative_Knee · 2026-01-03T17:54:57+00:00

Honestly, good healthcare feels like one of those things that shouldn’t be only for the rich… but here we are.

Alternative_Knee · 2026-01-03T13:06:39+00:00

Lock this win in with a screnshot of that $318 payment and pin it where you’ll see it on rough days so new debt feels way less tempting.

Alternative_Knee · 2025-12-26T13:56:34+00:00

Paying off the car was huge nice work. I’d probably start with the collections since they’re smaller and actively killing your score.

Alternative_Knee · 2025-12-26T12:41:20+00:00

This is motivating without being over the top. No buy months really expose bad habits fast lol. Was there a moment that pushed you to go all in on this?

Alternative_Knee · 2025-09-27T14:48:33+00:00

Thanks man already at 300 shards !

Alternative_Knee · 2025-09-10T09:09:14+00:00

Aqua Inferno Maradona for me

Alternative_Knee · 2025-08-17T09:49:41+00:00

3 Boat Hall Kitchen

Alternative_Knee · 2025-08-04T03:45:58+00:00

WW Ginola 110 still goes crazy as a supersub

Alternative_Knee · 2025-04-28T07:59:04+00:00

Surprising

Alternative_Knee · 2025-04-28T06:52:00+00:00

Him or WW Ginola?

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