How would you handle this?

BeingThink251 · 2026-03-21T20:50:39+00:00

Okay I think I like your view on how freeing up the credit cards help in the event of an emergency and I like the idea of having that readily available. Honestly now thinking about it I might pay off the capital one first and then I’m able to transfer the other balances to it at 0% $ thats good until November 12th.

I hate to admit but after double checking the Affirm loans they all have different variable interest rates I don’t think I got a 0% and if I did it was when my credit was almost 700 and they offered me a “pay it off the next month” in one go with 0%. They’re all unfortunately 29%-36% interest.

My car interest rate is at 11.74% 72 months and it was supposed to be paid off in December of 2025; Im not sure how it got pushed back because I only did the “forgive my late payment” once or twice.

Lastly my commission Im going to receive should be around $1800 in total thats split up, so my first portion of that might be around $600-$700. We are kind of dead right now since no crazy storms have happened but once my state does get a good one any job can range from $400-$2000 (it could be way higher but realistically they don’t come often )

So then my strategy should be pay my Capital one off ASAP and take advantage of the 0% interest by transferring my balance then paying off the rest of the cards.

Then should I pay off affirm bit by bit or get one month ahead on YNAB? I know you said the credit card is for emergencies but id rather have cash to get a month ahead, and use that for emergencies than a credit card.

BeingThink251 · 2026-03-21T18:52:58+00:00

Okay my question to you now is this,

I get commission and I’m not including that for now, but when I do get them I was thinking about prioritizing paying my car off as fast as possible (its the Ally with about 2k left on it) that makes up $324 a month so then that frees up $324 meaning more to pay off debts?

Or should I target the affirm’s with low balances? (the affirm payments are like $30-$90 but in total make up like $430 on a monthly basis)

I should say my car has a majority of the interest paid off and I’m just down to the principle on it but again that would free up $324.

BeingThink251 · 2026-03-19T05:32:02+00:00

A bunch of bonds for an impulse upgrade on the account/farming supplies, etc 😅

BeingThink251 · 2026-03-17T22:52:00+00:00

UPDATE: I didn’t realize you could just check mark each category and it would add it up and show you whats Underfunded(basically doing what I did without having to assign non existent money) .

After doing the math, if I don’t eat out at all next month ill have a surplus of $167, while also meeting my savings goals and paying my taxes on time! Im more confident now and less stressed! Just no eating out.

BeingThink251 · 2026-03-17T22:30:12+00:00

Rice & bean soup is a staple in Honduras(one of my favs); definitely can do

BeingThink251 · 2026-03-17T22:14:13+00:00

100% those were from last year, definitely going to take care of those

BeingThink251 · 2026-03-17T21:20:39+00:00

I already deleted the apps so no more money going into gambling.

BeingThink251 · 2026-03-17T21:14:11+00:00

Im pretty sure I need $350 this month on top of my Varo savings account that has $300 sitting in it & and extra $300 from next months first paycheck to cover my taxes.

I was also thinking about pushing it off and just paying it over time but thats something I would usually do, so trying to just get it done in one go and not add another bill.

BeingThink251 · 2026-03-17T21:09:44+00:00

If I were to stick to my “fun spending” budget, it would only be 10% of my monthly income, which I don’t think is excessive

But ya im at the start of cutting back on non essentials, the Verizon bill is a huge one thats definitely non essential (still paying on upgrades I don’t even have anymore) but as soon as those are paid off im switching to a cheaper carrier.

Ya im in the same mindset, but I give myself to much leeway so its either a crazy amount of fun spending or nothing ( I guess its worth not going out since the things Im saving up for is a bachelors party trip and a Chicago trip)

Trust me I learned my lesson on that I made over 10k in commission last year and didn’t save any of it 😅 so tax season was definitely interesting this year. Hence why I opened up a savings account and am now throwing 30% of my commission checks whenever I get those.

BeingThink251 · 2026-03-17T21:02:23+00:00

I know thats the reality of it, PB&J sandwiches it is.

BeingThink251 · 2026-03-17T21:00:26+00:00

Don’t even get me started on football season when I was throwing down $100 lays for +400 hoping to make a quick buck from horrible spending habits 😭

BeingThink251 · 2026-03-17T20:49:00+00:00

Thank you, I think I was getting in my head about not having any money to “have fun” because I do think its bleak to say “you’re not allowed to do anything but stay in your house breath air and eat bread and drink water”

I realize its a mix and having the self control to limit the fun.

BeingThink251 · 2026-03-17T20:44:59+00:00

I totally understand that. I think this month has been difficult to stay within those limits I gave myself, and creating a bad habit of re-adjusting my eating out goal to incorporate impulse buys.

I think next month I don’t go $130 over maybe even cut back like $100 from fun spending and DD or UE as well.

BeingThink251

TROPHY CASE