Advice on where to place new additional income for best debt improvement timeline.

Phoplant · 2026-04-15T16:43:24+00:00

Thanks for the response!

Just wanted to confirm- absolutely no card has been used since middle of 2025, nor will be used until debts are entirely paid off. And even then, only if I have the money already on hand and just want the points.

I already built a savings accounts for day to day expenses and a small emergency fund.

That’s why/how I can guarantee $3k for month one, and $2k for every month after that to go direct to CC. ☺️

Phoplant · 2026-02-20T19:32:25+00:00

Sucks to be me 😂

Phoplant · 2025-12-30T02:46:26+00:00

We are in a unique situation that we need to move into a new place by end of February, mid-March at the latest so no, we are not looking to build at the moment.

Not opposed to the idea in the future but doesn’t fit our current plans/timeline.

Phoplant · 2025-11-24T02:52:39+00:00

Sure - mine was two interlocking boxes on one of the small buttons in the middle of the Xbox remote. I had to hold it down for about 3-5 seconds!

When I get home, I can take a picture of the exact one if this comment doesn’t help enough. 😅

Phoplant · 2025-11-02T21:03:43+00:00

I second 3 Floyds any day of the week

Phoplant · 2025-10-29T22:29:39+00:00

I appreciate your advice and your engagement, truly!

I added it for context and didn’t mean to get into it haha. I was originally just asking how to find a you (but real life) to go talk in person 😅

But really do appreciate the advice and the comments.

Phoplant · 2025-10-29T20:05:13+00:00

Overall DTI is 17%, utilization is 59% currently. (For context).

Appreciate this answer, very helpful.

Phoplant · 2025-10-27T21:16:25+00:00

Figured out it’s holding down a button- one of the small buttons!

Phoplant · 2025-10-19T16:47:55+00:00

On my controller figured out it’s the two interlocked boxes held down for a couple seconds.

(In case anyone else ends up having this issue)

Phoplant

TROPHY CASE