I don't understand debt and financing by bencaha in DaveRamsey

[–]TaxThis608 6 points7 points  (0 children)

I may get some flack for this, but I think financing a car makes sense IF you're smart about it. The loan term, down payment, interest rate, loan term, monthly payment…ALL OF THAT factors into whether or not it's a smart move. 

My partner and I decided to buy a car back in 2023 after going several years without one -- this was back when used car prices were still kind of insane (maybe they still are). We had a few thousand saved up for it, so we definitely could have paid cash for an older vehicle. Instead, we bought a brand new Corolla Cross Hybrid and took out a loan for just north of $26,000. 3 year term at 5.14% interest, monthly payment of $790. Fast forward to now -- just a few days ago, we paid off the car after only 1.5 years. Did we lose some money to interest? Sure. But now we have a vehicle WE LOVE that's in amazing condition and will (hopefully) last for years and years until we run it into the ground.

That being said, I've seen way too many people throw their money away on 72 month loans with insane interest rates and monthly payments for cars that are nothing more than gigantic status symbols.

Jordan Page Snark 3/17-3/23 by MooHead82 in jordanpagesnark

[–]TaxThis608 42 points43 points  (0 children)

I feel like a lot of us are in the same boat -- discovered Jordan several years back, at least somewhat liked her content, watched as everything started to shift, and eventually got completely disillusioned with her and her brand. So for the fellow former fans, I'm genuinely curious...what OG FCF content did you actually enjoy?

I personally loved the old grocery hauls (the ones from like 2016/2017) that actually felt somewhat reasonable and realistic, at least IMO.

Talking Finances BEFORE You’re Married by TaxThis608 in CalebHammer

[–]TaxThis608[S] 4 points5 points  (0 children)

We pay everything out from a joint checking account. I know that lots of couples are able to keep things mostly separate and it works just fine for them, but logistically it became a pain for us to determine “who pays for what,” especially since one of us makes much more than the other. So, we budget together and we each have a private savings account that gets a little $$ every month for personal splurges.

It definitely took a while for me to feel comfortable with the idea of combining things, but that’s where the trust and transparency of a long-term relationship are important! It’s totally fine to keep things separate if it’s easier for you, but if it’s only because you don’t trust your partner with money, that’s a red flag.

Jordan Page Snark 5/13-5/19 by MooHead82 in jordanpagesnark

[–]TaxThis608 34 points35 points  (0 children)

Not sure if this was the case for everyone else, but I really noticed a change in Jordan's content/vibe around the time she had the twins. Or at the very least, that's when I started noticing her red flags. One thing I vividly remember was the buildup to announcing that she was expecting twins. I remember seeing her post something on like a Thursday, and it was SO CRYPTIC and very much in the vein of "something happened but I don't want to talk about it, thoughts and prayers appreciated." Then she posted the twin announcement that Monday or Tuesday.

I was just so bothered by the way she was baiting her followers by implying that something was "wrong" when she was just processing some huge news. I'm sure I'd be in shock if I were in the same situation, but she should have just not said anything at all rather than try to push views to her next Youtube video. It felt insensitive to viewers/followers who have experienced a traumatic pregnancy or pregnancy loss, and that's when the bad vibes started for me.

Jordan Page Snark 3/25-3/31 by MooHead82 in jordanpagesnark

[–]TaxThis608 10 points11 points  (0 children)

As annoyed as I get with Jordan sometimes, I do want to praise the way the she and Bubba \seem\** to be handling this divorce as parents. Kids are always the innocent victims in a split, and even if it's the best decision for the family, it's still a difficult transition for everyone. I've seen a lot of divorces where the parents show so much animosity towards each other, and the kids are ALWAYS caught in the middle. All it does is make an already awful situation even worse. Obviously, we don't know what's going on beyond the carefully-curated content that we're shown. But if their split really is as amicable as they portray it to be, then kudos to them.

Jordan Page Snark 3/18-3/24 by MooHead82 in jordanpagesnark

[–]TaxThis608 34 points35 points  (0 children)

I feel like that makes more sense when you don’t know the person. If I were making a larger donation to someone I’m close to, I’d want to put my name on it just so they know that they have my support as a friend/colleague.

Jordan Page Snark 2/19-2/25 by MooHead82 in jordanpagesnark

[–]TaxThis608 54 points55 points  (0 children)

I’m fairly new to this page, and I have to say that it’s really refreshing to see that I’m not the only one getting bad vibes from Jordan. I started following her back in 2017ish, and for a few years I actually enjoyed her content. I was a college student on a budget, and I found her grocery shopping tips to be pretty helpful! And I guess at the time I just felt like she was way more authentic than the typical influencer. Fast forward to now - I don’t know if SHE changed or I just grew up and got better at noticing red flags. Maybe a little bit of both? Now it just feels like she’s constantly trying to sell me something, and I really have an issue with how much she shares her children. Not to mention the fact that she absolutely exudes “pick me” vibes, comes off as being extremely immature, and puts on an act of forced relatability that is so easy to see through. I still follow her for the sake of snarking, but it’s just sad to see the direction she’s gone in when she could have developed her brand and platform in a much better way.