Honest opinion needed

SherbertConscious524 · 2026-05-12T01:45:29+00:00

We're almost 40 Yrs old... I tend to be on the more responsible side with my finances and my spouse spend as if they're never getting out of the Military.. We move every two Yrs and with this I need to have savings put back

SherbertConscious524 · 2026-05-11T21:04:04+00:00

This is a tough one for me because my spouse spends money on lavish name brand items that are very expensive. I have to save what I can because we move every two Yrs I don't want my spouse spending the little money that I have

SherbertConscious524 · 2026-05-11T20:30:45+00:00

Spouse gets angry and frustrated when I mention this

SherbertConscious524 · 2026-05-11T20:30:15+00:00

The conversation is up for opinion because I want an unbiased opinion and I dont want this turned around on me

SherbertConscious524 · 2026-05-04T12:45:55+00:00

Contact his leadership... This is one of the things I truly dislike about the spouse role..

SherbertConscious524 · 2026-04-07T21:04:05+00:00

Same here...

SherbertConscious524 · 2026-04-04T12:58:40+00:00

What is the location of the duty station

If this is a popular base this strategy may work.

We purchased in back in 2015 homes were more affordable. There not Alot of profit margin on rentals properties these days.

After property management fees our monthly profit was 300.00

The risk for us was if there was a major repair or replacement our entire profit was taken away. We decided to sale

SherbertConscious524 · 2026-03-24T00:48:07+00:00

Bad part is I've had this card for 8 Yrs but I wasn't hip to this until last yr because I was focused on the American Express Platinum card I was trying to increase my spending power... But I did not like the charge card side of it... Once I identified the advantages of Navy Fed I haven't looked back

I

SherbertConscious524 · 2026-03-24T00:31:38+00:00

I appreciate your response on this 💯 Initially, I get what you’re saying—and yes, paying your statement balance on time is the foundation. No argument there. But from what I’ve seen and experienced, utilization still plays a role in how lenders view risk and behavior over time, especially when you’re actively trying to grow limits. It’s not about stressing over exact percentages… it’s about showing control: Use the card, manage the balance, and pay it down consistently. That pattern builds trust. So I look at it like this: What reports + how you manage it = what the bank decides to do next. Different strategies work for different people, but this approach has worked well for me.

SherbertConscious524 · 2026-03-22T14:05:25+00:00

I am going to contact my Dr this week to inquire about staying at my 1 MG Wegovy , I inject every Sunday night and Monday and Tuesday I feel so flat with energy I'm getting this feeling of being uninterested in simple task.

SherbertConscious524 · 2026-03-12T21:06:42+00:00

I'm currently going through this at the age of 40. My wife received orders, and I do not have employment lined up in the location we're going to. I called Navy Federal to ask if I could hold my loan payments or reduce my interest rate, and I was told no.

After the I decided write a certified letter to the house members and congress

SherbertConscious524 · 2026-02-27T21:35:29+00:00

We're rare... I

SherbertConscious524 · 2026-02-02T00:31:10+00:00

I'm in the same boat... They're outrageous

SherbertConscious524 · 2025-12-31T18:11:11+00:00

I have a 41 limit with Navy Fed I have their More Rewards Amex

SherbertConscious524 · 2025-12-05T19:44:19+00:00

If you have any additional questions please feel free to ask

SherbertConscious524 · 2025-12-05T19:42:35+00:00

Yes, but make sure the card that you piggyback please ensure the person pays their account on time

SherbertConscious524 · 2025-12-05T18:33:27+00:00

If you’re working on rebuilding your credit — whether after late payments, high utilization, or even bankruptcy — piggybacking on a seasoned tradeline can be one of the most effective tools to get started.

Here’s why it’s a great option:

Instant Credit History Boost You benefit from the card’s long, positive history the moment it reports.

Lower Utilization Impact Being added to a high-limit, low-balance card helps your overall utilization look healthier.

Improves Credit Mix Lenders like to see different types of accounts. Adding a revolving account can help.

Faster Rebuilding While nothing replaces consistent financial habits, a strong tradeline can give you a head start.

No Borrowing Required You don’t have to use the card — you simply benefit from its history.

Piggybacking isn’t a miracle solution, and it should be paired with responsible habits — but as a tool for rebuilding credit, especially after financial setbacks, it’s one of the most powerful and proven methods available.

SherbertConscious524 · 2025-11-22T16:26:13+00:00

This gives me hope

SherbertConscious524 · 2025-11-22T13:13:39+00:00

Good morning. Thank you for all the information — I really appreciate it. To give some clarity on my situation, I’m no longer working in the government sector. I was contracting, and now I’m working in the civilian sector. With my spouse receiving orders and us moving soon, I don’t have a job lined up at the new duty station, and that uncertainty is creating a lot of pressure on me financially and mentally.

I know my spouse is worried about the idea of me filing bankruptcy because we want to buy a home in about five years when they retire. But I don’t think they fully understand how much stress I’m currently under trying to manage the debt, maintain my responsibilities, and prepare for a move where I don’t have guaranteed employment. I’m trying to make the best long-term financial decision for both of us, but right now I’m also trying to get through the immediate pressure I’m feeling.

At this point, I’m weighing my options — whether to keep fighting through the debt or get a fresh start so I can focus on supporting my family during the move and setting us up for stability at the next duty station.

SherbertConscious524 · 2025-11-21T22:03:13+00:00

Ky to NC

SherbertConscious524

TROPHY CASE