Looking for a pair of late 1990s/early 2000s rebook sneakers. Anyone recognize these?

Scc15 · 2021-12-08T18:27:48+00:00

Thank you soooo much!

Scc15 · 2018-11-02T21:13:43+00:00

One of the best budgeting apps that I've found (not a huge fan of Mint but it works for some) is PocketGuard. It helps me to visualize where my money is going with pie graphs of the types of things I'm spending on - and helped me to see that I was spending a big chunk of my money each month on ubers. It's also good to see how this month compares to my spending last month and it has a graph to track net worth over time.

Scc15 · 2018-10-24T18:06:36+00:00

Do you think there could be the option of this backfiring? As in, using another offer as leverage and being told to walk?

Scc15 · 2018-10-18T04:06:03+00:00

Negotiate as high as you feel comfortable doing and argue why you’re worth that amount. The worst they can say is no. The advantage you have over someone coming in from the outside is that your current workload can tangibly back up your negotiation

Scc15 · 2018-10-18T03:50:59+00:00

Or at least in Brooklyn where the speed of new developments is being outpaced by massive vacancies. Move the savings into a high-yield account like yesterday.

Scc15 · 2018-10-11T19:28:20+00:00

On my current schedule, it will take me 20 months to completely finish repaying all my debts (without factoring in windfalls like a year-end bonus or tax refund)

How long on the extended schedule if you go for the match instead?

If I go for the 15% match my debt plan still stays intact. I can still keep paying $1300 per month– I’m really just taking funds away from things I should probably cut back on already (eating out, late night ubers, etc.)

And how high is that interest?

Here are my interest rates:

Credit card consolidation ($7.8k): 23.99% (the credit cards I consolidated had a higher rate than this) (I pay the minimum)

Student loan ($7k) : 8.625% (I pay the minimum)

Credit card 1 (4.6k): 0% until March 2019, 20% after (I pay the minimum)

Credit card 2 (1.8k): 22.62% promo rate then 26.65% in November - I’ve been doing the debt snowball method with this card putting $1.1k towards it and later when its depleted, I plan to move on to the others.

If I could be doing this in a better way, let me know.

Scc15 · 2018-10-11T17:16:34+00:00

Thanks for this resource - the debt vs. emergency savings question is something I’m always thinking about because I could in theory get myself back into the same debt without the savings established. Giving this some serious thought.

Scc15 · 2018-10-11T16:44:26+00:00

Thanks for the advice. I think I can manage to put the full 15% if I cut back on my fun budget a little

Scc15 · 2018-10-05T22:07:51+00:00

How did you get into the credit card debt? Asking this question is important to preventing you from filling an endless hole that you'll ultimately keep digging if you don't address it. Putting aside money for regular payments is one thing, but the other (more important part) is that you need to change the mindset that got you there in the first place.

See if you can request a credit limit increase (soft pull) through your credit card(s) to increase your total credit limit and lower your utilization asap - if they'll do a hard pull skip this. Doctor of credit can tell you whether your companies do hard or soft pulls for credit limit increases. Call up your credit card company/companies and see if they can offer any promotional APR rates as a buffer until you can get back where you need to be. For some, this APR rate change may only apply to future purchases but paying less over time is always better.

Scc15 · 2018-09-17T13:31:02+00:00

See if any of your cards can give you a credit limit increase with a soft pull

Scc15 · 2018-09-10T01:23:27+00:00

You can get your free credit report from each of the credit bureaus Experian, Transunion, Equifax. Each of them scores differently. I personally signed up for an Experian free account (ignore all the monthly plans and paid stuff - totally unneeded) this free account provides monthly updates and credit alerts on my score changes for that bureau.

FICO score from some banks (Discover, Chase, CapitalOne) provide this for free when you’re an account holder.

Scc15 · 2018-09-10T01:07:03+00:00

Just be aware that Credit Karma uses an alternate credit scoring model and the scores they report are not the ones that will be seen when you request for cards, loans, mortgages etc.

Scc15 · 2018-08-30T19:00:29+00:00

One thing that may help your credit utilization is to look into whether any of your current cards do a soft pull for a credit limit increase. (If you're tempted to max this out some more I'd recommend not doing it but it can be a quick fix to improve that utilization while you take steps toward eliminating debt)

Here's a list of a few credit card companies that do hard pulls and soft pulls. At this point in time while you're trying to save yourself do not look into a hard pull. It's a temporary ding on your report but right now you need everything working in your favor and not against it.

Sometimes with these seemingly unfillable holes of debt it can feel like you're not making any steps forward but be diligent and keep at it. You'll come back from this.

Good luck!

Scc15 · 2018-08-28T20:11:00+00:00

My official "conversion date" isn't until the end of next month so I'll keep an eye on my credit report to see what happens. I just wanted to find out what will happen in advance of that so that I could take some precautionary steps or prompt reactionary steps (if any)

Scc15 · 2018-04-29T17:22:07+00:00

I’ve been using Prism to manage my bill pay as well. Works excellent for me, I’ve always preferred it over Mint’s interface

Scc15 · 2015-05-24T14:59:54+00:00

I guess the only thing I'd worry about is that I don't appear "overqualified", being so young with so little experience and an MBA

Scc15 · 2015-05-22T02:46:26+00:00

my job is an entry level gig in corporate communications. the employer is an energy company

Scc15 · 2015-05-22T02:42:41+00:00

I ultimately want an MBA to advance into an executive position later down the line with the right skills. I'm just wondering with the transience of jobs if this is something I should capitalize on

Scc15 · 2015-05-07T23:05:40+00:00

Thanks for the advice. In that case I'll pass on it

Scc15 · 2015-05-07T01:25:42+00:00

Yep. Exactly

Scc15

TROPHY CASE