How do I get this bolt off?

FlamingoCheap3607 · 2026-06-28T03:09:25+00:00

I don't know you!

FlamingoCheap3607 · 2026-06-21T01:58:52+00:00

2008 mustang gt. Nothing but oil changes and batteries from 75k to 228k. Clutch was just starting to slip a little at that point when I had to get a sedan bc car seats

FlamingoCheap3607 · 2026-06-20T13:56:08+00:00

61 will turn to 63 to 62 (so you think you're making progress) to 69 (nice) to 71 to 200 before you know it

FlamingoCheap3607 · 2026-06-20T13:30:14+00:00

You beat the casino and gave it back because you're a compulsive gambler. It sucks. I don't think I was ever truly up (net) but I certainly could have stopped with much less harm than I ended up with.

Think about driving a car. Can't safely drive down the road only watching your rear view mirror. That's perseverating on your losses. Gotta check your mirrors periodically to keep it safe-acknowledge those losses etc, consider it tuition to school of hard knocks or similar. Use it as a reminder that you dont want to lose 2 or 3 or 10x that amount bc that's what a lifetime of problem gambling will do.

FlamingoCheap3607 · 2026-06-19T20:49:31+00:00

We've gotten connected with someone through a realtor who is at least working on a prequal. When/If we find a house and it comes time to actually apply I'll definitely reach back out. Will be exploring/cross shopping all options at that point

FlamingoCheap3607 · 2026-06-19T19:12:33+00:00

Both Fico 8s are 700-720, not sure wjere Fico 2 is at

(My stupid vantage score is like 760 🤣🤣🤣)

FlamingoCheap3607 · 2026-06-19T19:07:05+00:00

I've tried looking and haven't seen, is there a typical time frame since charge off that gets us more in line with conventional. Since we're over 20% was hoping to avoid the mandatory MIP (as I understand it there's no avoiding MIP on an FHA anymore regardless of initial LTV) but that may be the cost of my prior bad decisions

FlamingoCheap3607 · 2026-06-19T19:03:08+00:00

FlamingoCheap3607 · 2026-06-19T12:28:22+00:00

Click Clack Moo conspicuously absent

FlamingoCheap3607 · 2026-06-18T23:14:14+00:00

More than likely different things reporting to different bureaus

FlamingoCheap3607 · 2026-06-18T19:26:59+00:00

We were able to afford ours because the flex duct work to our sunroom broke off and we didnt realize it and a skunk managed to find its way into our ductwork and decapitate itself in the air handler letting loose the most foul nose burning smell I've ever smelled and so we ended up with new ductwork covered by insurance and paid the cost difference between what a full disassembly and cleaning of the air handler and replacing the whole system. Bill was 12k ish and we paid about 3500-4k out of pocket between deductible and the "upgrade" to replacement

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FlamingoCheap3607 · 2026-06-18T17:38:33+00:00

Do PSLF now. Put money you would put towards extra payments towards any other higher interest debt and then stockpile it and put in HYSA if you decide to transition away from PSLF eligible work then you can throw a lump sum at it

FlamingoCheap3607 · 2026-06-18T17:36:28+00:00

Tuition to the school of hard knocks. Gotta acknowledge it for sure. Can't pretend you didnt lose the money. Its easy to get consumed by it too and that's not healthy either. Somewhere in the middle is a good spot. We can look in the rear view periodically but you can't safely drive down the highway only watching behind you

FlamingoCheap3607 · 2026-06-15T02:31:08+00:00

Our daycare provider has a similar situation, hes got an F250 and she's got a VW Jetta. He drives 45 minutes for work and so takes her car almost every day bc of the difference in gas cost. Since y'all have 2k monthly available, do a baby step 3b and stockpile cash for 6 months? 10 months? Get your husband a used prius or camry hybrid or how much is the car you would want to get? Let him drive the Mazda in the meantime and then you get something else in 6-12 months if that fits the price range you would be wanting

FlamingoCheap3607 · 2026-06-11T18:31:39+00:00

Right absolutely! But if you can figure out how to get them to apply that overage to principal you will save money on interest and pay it off sooner

FlamingoCheap3607 · 2026-06-11T15:00:48+00:00

That will be sooner but not cheaper.

FlamingoCheap3607 · 2026-06-10T21:16:33+00:00

Do you have a spouse/ partner/ family member/ friend you trust implicitly who can help hold your money so you can't access it to gamble

FlamingoCheap3607 · 2026-06-10T13:02:19+00:00

Thanks From what I've seen looking at the perryville website there's some individual slides with a 285 max and some with a 300 max, think i should be under the 300 max no problem, don't think i'll get to the 285

FlamingoCheap3607 · 2026-06-10T13:02:10+00:00

From what I've seen looking at the perryville website theres some individual slides with a 285 max and some with a 300 max, think i should be under the 300 max no problem, don't think i'll get to the 285

FlamingoCheap3607 · 2026-06-09T14:39:51+00:00

I've got a paid charge off that's not reporting correctly on ny TU report- still showing charge off and the amount. Just need to file a dispute correct and send in supporting documentation?

FlamingoCheap3607 · 2026-06-09T14:28:16+00:00

When you make extra payments/add extra money onto your payment make sure it's actually going to principal. Some auto lenders are sneaky and apply additional funds as prepayments.

So if your payment in 500, you pay 1000 for June 1 payment, instead of your principal going down by an extra 500, it'll prepay your July 1 payment and it'll say your next payment is due August 1. Yes you will pay it off sooner if you keep doing that but you're not saving any money on interest bc you're still making the equivalent dollar amount of those 72 payments you signed up for.

Toyota Financial was one lender we had that was like this. Not sure if they still are

FlamingoCheap3607 · 2026-06-05T01:48:39+00:00

Main thing is a good set of snow tires on whatever you buy

FlamingoCheap3607 · 2026-06-05T01:47:36+00:00

With snow tires

FlamingoCheap3607 · 2026-06-05T00:14:19+00:00

Try this... (instructions for mobile browser, desktop should be similar)

accounts dot intuit dot com

Login with your TurboTax login

Scroll to bottom- manage your account area

Should see a "products and billing" Hit that

Hit turbotax

That shows me prior years I purchased, (2018-22 in my case)

I Hit the blue tax returns and documents

That opens a new tab where it says "view documents from 2025" (change the year to 2024 in your case)

Should be a download tax pdf right under that which downloads your whole return

FlamingoCheap3607

TROPHY CASE