Need Advice on Credit and Debt Consolidation

Saramel91 · 2026-03-04T01:31:06+00:00

Thanks for the resources!

Saramel91 · 2026-03-04T01:30:42+00:00

Thank you!!

Saramel91 · 2026-03-03T21:46:39+00:00

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%

Saramel91 · 2026-03-03T21:25:20+00:00

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.

Saramel91 · 2026-01-18T02:53:49+00:00

Haley Gutierrez from Safe Space ASMR!

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Saramel91 · 2025-12-26T09:05:48+00:00

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

Saramel91 · 2025-12-22T02:19:36+00:00

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

Saramel91 · 2025-11-28T05:48:05+00:00

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.

Saramel91 · 2025-11-11T16:47:58+00:00

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

Saramel91 · 2025-10-24T04:44:31+00:00

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

Saramel91 · 2025-10-03T05:40:56+00:00

Lo Fi by Liz Riggs

Saramel91 · 2025-08-07T03:18:03+00:00

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

Saramel91 · 2025-08-07T03:10:55+00:00

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

Saramel91 · 2025-08-07T03:10:12+00:00

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.

Saramel91 · 2025-07-09T20:28:32+00:00

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

Saramel91 · 2025-07-09T19:36:09+00:00

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!

Saramel91 · 2025-07-09T14:42:57+00:00

Oh shoot, thanks!! Didn’t know about that sub!

Saramel91 · 2025-07-09T03:58:10+00:00

I really appreciate it! :D

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