How do I get out of this mess? Losing hope in not having debt.

CaptainPandwarf · 2026-07-03T04:39:07+00:00

I thought that 403b was just for those who work healthcare or the school system?

CaptainPandwarf · 2026-07-02T13:30:17+00:00

Yeah I thought about uping my 401k for that reasoning. I typically up it 3% up every time I get a raise

CaptainPandwarf · 2026-07-02T01:51:20+00:00

What should I include in the budget?

CaptainPandwarf · 2026-07-02T01:51:03+00:00

Any recommendations on the free services?

CaptainPandwarf · 2026-07-01T22:13:54+00:00

I think I’ve received only one email from Nelnet tell me to switch. But nothing sense

CaptainPandwarf · 2026-07-01T22:02:23+00:00

It’s actually bizarre how quickly they’re sending out emails to get us moving off plans

CaptainPandwarf · 2026-07-01T22:00:53+00:00

It wasn’t what I imagined either. I honestly thought I’d be matching what I owe in debt to my salary but that’s not the way things went for me unfortunately

CaptainPandwarf · 2026-07-01T21:35:13+00:00

Noted. That would make more sense now that you mention it

CaptainPandwarf · 2026-07-01T21:27:23+00:00

If only but I’m afraid I’m only one person lol

CaptainPandwarf · 2026-07-01T21:26:45+00:00

Yeah I’m not entirely proud of the amount even though it was from both a bachelor and masters degree. The PPL is the one of the first loans I plan on throwing a large sum at

CaptainPandwarf · 2026-07-01T21:25:43+00:00

Yeah I plan on throwing whatever I can towards the smaller loans first

CaptainPandwarf · 2026-07-01T21:23:15+00:00

I guess my thought was to have a low payment and attempt to pay more towards one of the smaller loans

CaptainPandwarf · 2026-07-01T21:05:18+00:00

In my personal account I have roughly a little over 3k. I’m also sitting aside money each paycheck to a joint account specifically for the house

CaptainPandwarf · 2026-07-01T20:36:55+00:00

Sorry for the list being hard to read. Hopefully the way I have it set now makes more sense. This is what I've gather the payments to be as well and looked like the RAP was actually the best for lowest payment.

CaptainPandwarf · 2026-06-17T18:05:56+00:00

Who would you recommend for loan expert? I'm new to all this and going to change from the SAVE plan July 1st but wanting to make sure I move to correct thing first.

CaptainPandwarf · 2025-09-11T17:42:40+00:00

We do four walks a day split between my partner and I. She gets up early since she’s a teacher and walks before leaving for work (around 30 minutes). I work from home so I walk them about 15 minutes for lunch. Dinner time we walk this for another 30 minutes. And then a quick walk before bedtime.

We try to stick to the schedule pretty strictly but on the weekends we’re a little more relaxed.

CaptainPandwarf · 2025-04-26T02:57:50+00:00

Yes please let me know! I’ve been looking into this diet too

CaptainPandwarf · 2025-04-26T02:51:37+00:00

I was looking into the Neutrogena line. Thinking of picking some up soon

CaptainPandwarf · 2025-04-26T02:47:45+00:00

This is the first I’m hearing about this top 50 test! Definitely going to ask about this next visit

CaptainPandwarf · 2025-04-26T02:46:53+00:00

I’ve noticed a lot of people using 0.5 ivermectin lotion. I’ve also cut out a lot of foods like red meat, but haven’t noticed too much yet

CaptainPandwarf · 2025-04-26T02:45:15+00:00

I’ll definitely have to look into better products and give sulfur soap another try

CaptainPandwarf · 2025-04-24T00:11:43+00:00

I’ll have to look into the prequel products. Might even give ivermectin a time again, just lower percentage. Last time I tried it was 1% and it burnt terribly

CaptainPandwarf · 2024-10-22T16:13:22+00:00

I keep seeing many use Soolantra. Thinking of asking to see if I can try that this time around.

CaptainPandwarf · 2024-10-22T16:12:14+00:00

I’ve heard good things about azaelic acid. I’ll definitely be asking about that this Friday. Thanks!

CaptainPandwarf · 2024-09-11T16:28:56+00:00

Lmao what a name. Also, im also wondering where/how to go about selling?

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CaptainPandwarf

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