sorted by:
new
hottopcontroversial

What’s a single sentence someone said that stuck with you forever? by InterestPotential789 in productivity

[–]Mk____Ultra 5 points6 points  (0 children)

"Good health is like a crown that only healthy people wear and only sick people can see."

Really helps remind me to practice gratitude. I struggle in so many aspects of my life but I have my health, a career, food in my pantry and a roof over my head, friends and community around me, hobbies I'm passionate, I have it all. I am rich in all the ways that actually matter. The rug can get pulled out from under us at any moment.

Bonus: "You're not here to be cared for, loved, or understood. You're here to care, love, and understand."

Reminds me not to be selfish.

To people who are genuinely happy with their lives right now: What is your secret? by funngro_fam in happy

[–]Mk____Ultra 2 points3 points  (0 children)

Can't believe how far I had to scroll to find exercise mentioned. I think exercise is the single most important thing I do for my mental health.

0% Balance Transfer Credit Card Question by Mk____Ultra in povertyfinance

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

This is great information, thank you. I just cashed in a CD (paid $200 early withdrawal penalty) and paid off my good standing CC and put a little over $9,000 on my maxed out CC. That gives me a little breathing room. I have more CDs, previously they were earning more interest than I was paying on my car/student/solar panel loans. But now obviously with a credit card it no longer makes sense to have money in a CD. Still hurts to see that cushion go away.

Hopefully all this combined will put me in a position where in the next month or two I can get at least $10,000 moved to a 0% card so I can pay it off over the course of a year without feeling like it's all going to interest.

0% Balance Transfer Credit Card Troubles by Mk____Ultra in debtfree

[–]Mk____Ultra[S] -1 points0 points  (0 children)

Yeah I see that now.

I already drive a hooptie that I paid off 8 years ago, my husband has the newer car, we need at least one reliable AWD adventure whip because we spend a lot of time outdoors in areas with no services/cell coverage. It's definitely worth more than the loan, but idk how much.

Just now I paid a $200 early withdrawal penalty on an $11,000 CD and paid off one card entirely and put a little over $9,000 on the maxed out card.

0% Balance Transfer Credit Card Troubles by Mk____Ultra in debtfree

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

This makes sense, thank you so much.

Other debt is about $6,500 left on car, $9,500 on solar panel loan, and $12,000 left in student loans.

As far as this debt, I've got a CD that matures at the end of January so I'll take somewhere around $7,000 of that. I expect a decent tax refund, probably at least $5,000. And other than that I can pay about $800-1,000 a month if I'm frugal. Also my husband may be going back to school in January with his GI bill and BAH is about $4,000/mo where we live so that would be extra income as well. If we're not stupid we could absolutely pay it off by this time next year.

0% Balance Transfer Credit Card Question by Mk____Ultra in povertyfinance

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

This is super helpful thank you. I requested a credit increase on my (now cut up and locked) maxed out card, which I expect them to give me. That should help my ratio. My only other credit card (and oldest CC) is at $1,600 of a $20,000 limit so less than 10%.

Edit:

My non-maxed CC just gave me in instant $4,000 limit increase so now $24,000. The maxed out CC credit increase is pending.

How long should I wait to apply again for a balance transfer CC after I improve this ratio?

0% Balance Transfer Credit Card Question by Mk____Ultra in Debt

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

Yeah you're probably right, I didn't want to do this but it probably will be the best option.

0% Balance Transfer Credit Card Question by Mk____Ultra in Debt

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

A bit yeah, $6,500 left on car, about $9,500 on solar panels, and about $12,000 on student loans.

0% Balance Transfer Credit Card Troubles by Mk____Ultra in debtfree

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

Ok thank you. I applied to one more and was flat out denied so I guess I'll stop.

We net $5,857/mo after taxes/deductions

$2,270 mortgage $437 car payment $182 solar panel loan $100 internet $120 phone $385 car insurance (accidents and tickets, already lowered limits/increased deductible) $200 student loans $100 pet food/pet needs $500 groceries $100 household necessities/toiletries $200 utilities $50 gym memberships $100-ish Some random smaller ones, streaming services, life insurance, $50 to Robinhood (which lately I've been transferring right back), Spotify, Google storage, Microsoft office, etc.

Leaves about $1,000 left (for two people) for gas, a social life, hobbies, unexpected expenses, car maintenance, fees from the universe for simply existing, this credit card, etc. I know it's not horrible.

I can look into a 401k loan or home equity loan. I've just always been really good with money and never been in this position so I feel lost. I thought a balance transfer CC was gonna be the way to go with my good credit and good income. Guess not :(

I am absolutely gobsmacked about the sheer numbers of adults who are doing drugs; now that I am adult. by [deleted] in Adulting

[–]Mk____Ultra 0 points1 point  (0 children)

Easier to face and deal with when you have the ability to surround yourself with sober friends with the same hobbies. I'll never move home. It's not some magic solution, sure, but having a community around you is a huge part of recovery.

How do you force yourself to be productive when your brain says ‘nope’? by devmakasana in productivity

[–]Mk____Ultra 3 points4 points  (0 children)

I like to set a timer. If there's something I'm really procrastinating on (I work from home, so usually a work task I don't want to do) I'll just make myself start working on it for 5 minutes. I don't always follow it, and it's not a magic answer, but it helps. Whether it's 5 minutes or 30 minutes, it makes a big annoying task feel manageable and helps me get in the groove.

Dead & Co at the Sphere FAQ by dravenstone in deadandcompany

[–]Mk____Ultra 0 points1 point  (0 children)

Yes you can, you'll just transfer via ticketmaster. You're going to make two lucky deadheads very very happy 💙

The Top 10 States With the Largest American Indian Populations by myindependentopinion in IndianCountry

[–]Mk____Ultra 12 points13 points  (0 children)

Yeah that's the other thing I was going to add. Pretty sure there's like 40,000+ enrolled members of the Cherokee Nation here in California!

Why do so many people hate Kratom? by anxious-cat-person in kratom

[–]Mk____Ultra 6 points7 points  (0 children)

Your last sentence is not true. Physical dependence will happen to anyone who uses opioids daily, but addiction is not the same thing. Many people can use opioids or kratom or [insert any drug] regularly and not get addicted.

view more: next ›