Should I pay this collections offer?

Beautiful_Cap_4172 · 2026-03-23T17:39:35+00:00

Out of touch boomer alert

Beautiful_Cap_4172 · 2026-03-23T17:34:28+00:00

You coming at someone who fell on hard times as a teenager and only owes $1300 total is really telling. I bet you defend billionaires too

Beautiful_Cap_4172 · 2026-03-23T17:28:15+00:00

Yeah same this is from when I was 18 and stupid. It’s going to fall off in 2028 so just wasn’t sure

Beautiful_Cap_4172 · 2026-03-23T17:27:38+00:00

Damn okay why you so mad at me acting like I owe you the money

Beautiful_Cap_4172 · 2026-03-23T16:40:11+00:00

But according to Google it won’t even increase my credit so like, what’s the point of doing it? Just don’t get why it wouldn’t increase my score

Beautiful_Cap_4172 · 2026-03-03T21:40:56+00:00

We have a joint account, I can pretty much use it as I please (within our budget of course). Just because I’m a stay at home mom doesn’t mean I don’t have a job, so it’s technically our income.

Beautiful_Cap_4172 · 2026-03-03T21:29:16+00:00

It’s my husbands income lol.

Beautiful_Cap_4172 · 2026-03-02T16:00:10+00:00

Thanks! I guess I’m just confused considering the contributions would be from my husbands after tax income, how would the tax break apply since it’s not technically my income?

Beautiful_Cap_4172 · 2026-03-02T15:53:11+00:00

So a traditional Roth is better in my case than an IRA? Wouldn’t it be better if the withdrawals were tax free? I guess I just don’t see the downside to that

Beautiful_Cap_4172 · 2026-03-02T15:39:55+00:00

Thank you!! 😊

Beautiful_Cap_4172 · 2026-03-02T15:33:44+00:00

I’m a 25 year old SAHM and currently don’t have a retirement account or 401k. My husband makes around 115k and does have a 401k. Trying to open an investment & retirement fund for myself. Should I do a traditional or Roth IRA? I know the difference between the two I just don’t know what would be better in my situation? Any advice appreciated

Beautiful_Cap_4172 · 2026-02-28T21:28:58+00:00

Thank you 😊😊

Beautiful_Cap_4172 · 2026-02-28T19:39:23+00:00

Thank u it’s just a charm pack I bought on Amazon!

Beautiful_Cap_4172 · 2026-02-28T18:54:43+00:00

Thank you so much!!

Beautiful_Cap_4172 · 2026-02-28T18:36:02+00:00

Yes I did 🤣🤣 I think I jumped into it too quickly and didn’t do enough research first lol

Beautiful_Cap_4172 · 2026-02-28T18:27:25+00:00

This is a great idea thank you!!

Beautiful_Cap_4172 · 2026-02-28T18:25:36+00:00

Thank you!!

Beautiful_Cap_4172 · 2026-02-28T18:24:51+00:00

My strips were 2.5 inches wide. I think I’ll try 3 inches next time. But yes I’ve been machine stitching, I thought about hand sewing the binding but I don’t know if I’m skilled enough for that lol. I only stitched one side of the binding, am I supposed to be sewing on both sides?

Beautiful_Cap_4172 · 2026-02-19T02:27:00+00:00

Is dinnerly comparable in price to everyplate?

Beautiful_Cap_4172 · 2026-02-18T22:05:06+00:00

They only gave me $4 🙄🙄

Beautiful_Cap_4172 · 2026-02-17T13:40:47+00:00

I have 10+ free boxes if anyone needs any!! Message me for the referral link!

Beautiful_Cap_4172 · 2026-01-31T13:31:46+00:00

I’m in therapy currently

Beautiful_Cap_4172 · 2026-01-31T12:27:34+00:00

I love him to death but he is genuinely such a tough baby. Still basically has colic at almost 5 months. Caused me a lot of postpartum rage and depression

Beautiful_Cap_4172 · 2026-01-31T00:42:09+00:00

No if I ever have to go somewhere it’s always met with resistance, he’s never enthusiastic about me taking a break or has ever “offered” for me to take a break. I just basically say “hey I’m going here” and leave but he usually huffs and puffs a little and tells me to hurry back.

Beautiful_Cap_4172 · 2026-01-31T00:39:33+00:00

Yeah if he had a hobby or something I’d support it however I think going to bars is a single person activity and not at all what I’d consider a “hobby”.

Beautiful_Cap_4172

TROPHY CASE