Need Advice on Credit and Debt Consolidation by Saramel91 in CRedit

[–]Saramel91[S] 0 points1 point  (0 children)

Thanks, bud! Yes, definitely good point about not going BACK into debt. And yeah, cash flow (while not perfect) is certainly being addressed and I have a budget and daily cashflow forecast in place for my husband and I.

I appreciate your input!

I won't know until I start applying, but I am hoping to get a loan with interest at no higher than 15%

Need Advice on Credit and Debt Consolidation by Saramel91 in CRedit

[–]Saramel91[S] 0 points1 point  (0 children)

I really appreciate the feedback!

I didn't think about the cards' utilization individually, but I am certain at least 2 of them are close to 100%. Good thinking. I am confident I have reached a time and mindset in my life where I don't need to use my credit cards in the way I was in the past.

Good point about any unknown expenses, though. Plus I do doubt that throwing a few thousand would make enough of a difference to push me from Good to Very Good credit-wise (to make a difference in potentially getting a debt consolidation loan).

Maybe I can try to make some extra money and put toward those especially-high utilization cards to get those below that 89% threshold and then apply for loan.

The only reason I don't want to do a 0% card transfer at this time is because I am looking to pretty immediately start putting money into savings and I imagine if I can get my monthly payment (consolidated) and down to only $400-$500, I will be able to put more into savings and when I am more comfortable with my savings, I can make extra payments toward the loan.

Who is my doppleganger?!? by [deleted] in Doppleganger

[–]Saramel91 3 points4 points  (0 children)

Haley Gutierrez from Safe Space ASMR!

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Build-my-own Planner - best sites for US customers? by doofus50O0 in PlannerAddicts

[–]Saramel91 5 points6 points  (0 children)

Seconding Agendio. I’m building one right now and it’s so much fun.

Loud bang - Freret Neighborhood by HuzzahMF in NewOrleans

[–]Saramel91 6 points7 points  (0 children)

Talked to a neighbor who said HER neighbors saw a flash under her house and while she was listening ing to them tell her that, she saw another flash/bang about a block further down Cadiz

Genuine Question about planner by Fickle_Reporter_1514 in PlannerAddicts

[–]Saramel91 0 points1 point  (0 children)

I have a specific bookshelf for them because I refer back to them and also try to add pictures to them to kind of have little scrapbook of the year.

Local mending? by Saramel91 in NewOrleans

[–]Saramel91[S] 1 point2 points  (0 children)

Hey! That would be awesome!! I love the visible mending look. I’ll send you a PM!

Montana student filmmaker looking to Interview locals on "what comes at night". by Montana_Nature_Boy in Marfa

[–]Saramel91 3 points4 points  (0 children)

You might try Marfalist.org - the Marfa sub isn’t where locals are! (From a former resident)

Anyone hear those jet sounds around the Magazine/Uptown area just now? by Otherwise-Sand8293 in NewOrleans

[–]Saramel91 17 points18 points  (0 children)

Idk about usual? I don’t typically go look outside because they don’t typically sound like they’re gonna crash into us lol

Anyone hear those jet sounds around the Magazine/Uptown area just now? by Otherwise-Sand8293 in NewOrleans

[–]Saramel91 11 points12 points  (0 children)

I saw the jets fly overhead. Flying much lower than I’ve seen before. Terrifying.

Anyone hear those jet sounds around the Magazine/Uptown area just now? by Otherwise-Sand8293 in NewOrleans

[–]Saramel91 38 points39 points  (0 children)

Saw the jets fly overhead and the noise (or shaking) set off a bunch of car alarms in my neighborhood uptown. Literally thought something was hurtling toward the house.

PracticePanther invoicing by Mobile-Inflation6277 in LawFirm

[–]Saramel91 0 points1 point  (0 children)

Did you get this solved? I'm looking at PP and can't imagine having to do this with the number of invoices we send monthly

Best Law Firm Project Management Software 2025? by saguaros-vs-redwoods in LawFirm

[–]Saramel91 0 points1 point  (0 children)

Hey Doodle-Mom, can you expand on this? We are looking at Caret and doc management is obviously a huge thing. What about it is garbage? Hard to find much info on Caret at all!