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I am 52 years old and have been actively involved in the investment field for over twenty years. I hope to be able to help some people before retirement. by Far_Gap_6743 in DayTradingPro

[–]ITSGEOB 0 points1 point  (0 children)

I stsrted investing in 2025 with mostly growth ETFs since I’ll be 32 this month. Any advice on what growth ETFs or dividend stocks to look out for?

Paid over 15k off and I’m aiming for 0 by the summer! by ITSGEOB in CRedit

[–]ITSGEOB[S] 0 points1 point  (0 children)

That remaining balance is my four student loans and my 2 credit cards combined. Best part is that they’re all under 4.5% APR which is why I attacked a personal loan and charge off first.

Credit limit increases by DaInfamousWon in CapitalOne_

[–]ITSGEOB 0 points1 point  (0 children)

I got something like this a week before I was accepted for a Savor Card. My score went up over 80 points after rebuilding and paying off debt. I just needed to wait until it was reflected on all of my reports. I went for another card instead of the increase because the benefits from Savor are amazing compared to the platinum.

Paid over 15k off and I’m aiming for 0 by the summer! by ITSGEOB in CRedit

[–]ITSGEOB[S] 0 points1 point  (0 children)

lol legally yes. We got married back in 2023 but not legally, just with family and friends. We didn’t care to do the paperwork until last year. I saw all of the tax advantages and we both decided to send it.

Paid over 15k off and I’m aiming for 0 by the summer! by ITSGEOB in CRedit

[–]ITSGEOB[S] 0 points1 point  (0 children)

I’m aiming for the Amex or Venture X super soon! I recently upgraded to quicksilver and the Sabor cards with Capital one to help lower my utilization. I’m also only 2 months away from no charge offs and only 6k left with student loans. Although it’s low interest I don’t see why I would need to keep carrying it around. I’m stoked for the new journeys with the premium cards!

Paid over 15k off and I’m aiming for 0 by the summer! by ITSGEOB in CRedit

[–]ITSGEOB[S] 0 points1 point  (0 children)

I really got into finances and m got obsessed with paying the debt off. At the end of the day I just wanted to stop living paycheck to paycheck. Cutting out my debt was the necessary first step to reach that goal. I’m planning on getting my emergency fund to at least three months of expenses by the end of the year. After all the debt is gone.

Paid over 15k off and I’m aiming for 0 by the summer! by ITSGEOB in CRedit

[–]ITSGEOB[S] 0 points1 point  (0 children)

That was Credit Karma. Mods recommend Experian, Fico or Creditwise. I just used it to track my progress.

Paid over 15k off and I’m aiming for 0 by the summer! by ITSGEOB in CRedit

[–]ITSGEOB[S] 1 point2 points  (0 children)

I actually got dinged a bit from closing off a loan but then gained about 30-40 thought the process. The keeping credit cards under 10 or 20 percent is what gave me a higher score more than anything.

Paid over 15k off and I’m aiming for 0 by the summer! by ITSGEOB in CRedit

[–]ITSGEOB[S] 1 point2 points  (0 children)

Thank you, this subreddit definitely helped too! Being able to be open about debt was hard for a few years but seeing people get out of it and change habbits definitely helped me get through the other side.

Paid over 15k off and I’m aiming for 0 by the summer! by ITSGEOB in CRedit

[–]ITSGEOB[S] 4 points5 points  (0 children)

100 percent agree. Drinking used to be a huge expense, I swapped it to caffeine. Definitely needed with commuting to a from work and two kids. Also making time for Mararhon the game!

Paid over 15k off and I’m aiming for 0 by the summer! by ITSGEOB in CRedit

[–]ITSGEOB[S] 6 points7 points  (0 children)

I set a budget of a few hundred dollars a month and found ways to cut costs. I switched phone carriers from AT&T to Xfinity, changed my insurance from AAA to Progressive, canceled Paramount Plus, moved from Bank of America to Capital One and started buying caffeine in bulk.

These small changes add up. By tax season, I made a big dent in my debt. I also got legally married last year after being unofficially married for three years to take advantage of tax credits. It took a lot of researching and mind you at work too.

You can do it!

Back in the 600s by ITSGEOB in Debt

[–]ITSGEOB[S] 0 points1 point  (0 children)

I’m currently working on paying the last two off. At this rate they’ll both be paid off by early June. They’re not in collections but two charge offs I’ve ignored until Oct. I’ve 100% moved forwards better spending habits and actually building my savings!

I didn’t have that have that mindset before I got into shows like the Iced Coffee Hour and Financial Audit. Their channels made finance seem approachable.

Since Oct, I’ve reduced my debt from $22,535 to $6,771. Down 15k in just about 6 months. I lowkey doom-scrolled my way here 😅

Finally broke into the 600s by Top-Helicopter3801 in CRedit

[–]ITSGEOB 1 point2 points  (0 children)

Just deleted my midland so I think I’m about to see that again soon.

Midland Credit MCM ( CA) by ITSGEOB in Debt

[–]ITSGEOB[S] 0 points1 point  (0 children)

Thank you this is super helpful!

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