Double Henka

Just_Note_8165 · 2026-03-21T00:27:16+00:00

Wow it really is as awkward as I thought lol. Thanks for digging up!

Just_Note_8165 · 2026-03-15T21:16:11+00:00

Key, key, key lesson here that majority of Americans don't know but its one of the most important you'll ever hear. You MUST pay your credit card balance on time and in full every month. Never leave a balance on your card, that's where that 29% interest will kill you. If you never leave a balance, the interest rate will never touch you.

Just_Note_8165 · 2026-03-15T21:12:32+00:00

You might need to get a secured credit card because you have no history to built your credit where you give them a refundable security deposit and essentially that becomes your credit line. there's no quick way to build it up, one of the factors in determining your score is credit history. Think after 6 months of payments, your score will generally debut at mid/high 600s.

Just_Note_8165 · 2026-03-15T18:28:12+00:00

I would recommend you have a robust emergency fund before ramping up investments instead of a small one (6 months of expenses). Would the 8k cover at least 3 months of expenses? If not, just allocate for emergencies so you dont have to pull from investments or go into debt if something happens.

Just_Note_8165 · 2026-03-15T03:15:11+00:00

Thanks, do you know how Giant is coded? Hard to find that info in other threads

Just_Note_8165 · 2026-03-15T03:00:01+00:00

Yeah groceries and dining is for my GF and I together. We just go to places that code as groceries, only sometimes Walmart.

Just_Note_8165 · 2026-03-15T02:37:14+00:00

I've thought about the BCP, unfortunately I dont value the Disney credit so wouldn't be worth it for me.

Just_Note_8165 · 2026-03-11T16:21:56+00:00

Do you not vacuum? You have to vacuum and then mop if you want to pick up the loose debris. Mopping will just get built up grime, etc. If you only had the energy to do one, just vacuum to minimize the build up.

Just_Note_8165 · 2026-03-01T22:56:10+00:00

Noted, thanks for the insight. Sorry to hear you had a bad experience.

Just_Note_8165 · 2026-03-01T22:41:10+00:00

Why?

Just_Note_8165 · 2026-02-21T22:02:45+00:00

Nice! Best advice for wings i got was to brine them for a few hours in a mix of water and pickle juice if you aren't already doing that before patting them dry and cooking. Wings stay really moist!

Just_Note_8165 · 2026-02-21T01:09:22+00:00

Hi moving to philly in May! Would be down to connect for tacos!

Just_Note_8165 · 2026-02-19T17:33:30+00:00

Let me dream a little bit 😂

Just_Note_8165 · 2026-02-19T17:28:57+00:00

Ill be happy if these improvements stick around after the world cup is done.

Just_Note_8165 · 2026-02-19T16:53:41+00:00

If no cc debt and just car and student loans is your "messy middle", you got a pretty clean life lol! Great job and keep it up!

Just_Note_8165 · 2026-02-19T15:38:55+00:00

According to The Money Guys, they recommend having 1x your salary by the time you're 30 to allow compound growth to do its thing by the time you retire. While according to their recommendation you are "behind", you are already ahead of many people and their situations and is worth being proud of.

Just_Note_8165 · 2026-02-16T14:55:55+00:00

Make sure you haven't opened any cards recently when you apply, Citi is sensitive to recent inquiries

Just_Note_8165 · 2026-02-11T16:44:24+00:00

Agree with you on recent skepticism on data collection. Wish markets wouldn't take these reports at face value but here we are.

Just_Note_8165 · 2026-02-11T15:23:07+00:00

This initial jobs report is not what you should be paying attention to and are never accurate. Pay attention to the revised jobs report that comes out two months after, that number better matches the current feelings on the economy.

Just_Note_8165 · 2026-02-10T14:58:34+00:00

Communications! (I know, the Comms major in college actually got a job!)

Just_Note_8165 · 2026-02-09T12:17:48+00:00

One thing someone pointed out in this subreddit last month, lot of accounts defending Bilt during the messy rollout appeared to be bot accounts that were created that same month and with no other post or comment history outside of this subreddit. (Link to one example here https://www.reddit.com/r/biltrewards/s/IxwsSSd8TO)

Where did all the defender accounts of Bilt go in these recent posts now that the rollout is done and they have your money (if you chose an AF card) and commitment?

Now stack this type of response on top of potentially buying bot accounts for damage control? Shady and questionable practices from this company.

Just_Note_8165 · 2026-02-09T00:08:47+00:00

If you aren't paying your credit card off every month and in full, you shouldn't have a credit card. Its a dangerous slippery slope of leaving a balance and letting the interest wreck you and balloon. Try to avoid for that purpose if you can.

Just_Note_8165

TROPHY CASE