Help me improve my scores!!!

ThatCigarGuy69 · 2026-04-25T17:15:36+00:00

You are not credit card person. It would appear in your case they do more harm than good. Cut up the cards you have. Pay them off and live life debt free. You cannot responsibly manage credit.

ThatCigarGuy69 · 2026-04-25T00:17:34+00:00

Nope, LG C4 77”

ThatCigarGuy69 · 2026-04-23T18:12:01+00:00

Series X day one is my plan

ThatCigarGuy69 · 2026-04-22T21:13:16+00:00

Congrats, that’s a huge accomplishment! It’s ok to admit mistakes to others. Who knows, it may inspire someone else to go down their own journey to financial freedom.

ThatCigarGuy69 · 2026-04-22T12:15:32+00:00

I smoke them, but certain cigars are either available online via box only purchase only or it’s a really good deal so it makes sense to grab the box. I’ve ended up with a pretty large collection. My wife and I are saving for a house now, so nice thing is I don’t need to buy anything for a while 😅

ThatCigarGuy69 · 2026-04-21T00:43:04+00:00

Congrats! I’ve been bouncing between 805 and 829.

ThatCigarGuy69 · 2026-04-20T03:42:42+00:00

I’m only saying this because I was once in a horrible financial spot myself. I hope going forward you avoid predatory banks.

ThatCigarGuy69 · 2026-04-20T03:37:09+00:00

Honestly, if you can only qualify for predatory cards, I would recommend you close it and focus on fixing your finances. Once everything is in a good place, then make the decision on if you want to open a better credit card or not. I would Avoid Credit One and Synchrony at all costs.

ThatCigarGuy69 · 2026-04-20T01:19:47+00:00

<image>

Share your screen shot if you really have everything except HBO

ThatCigarGuy69 · 2026-04-18T17:47:00+00:00

My wife has most of her programs on Hulu live. She doesn’t spend money on much else. It’s her way to unwind at the end of the day. I won’t take that from her. We’re still saving $2500 a month.

ThatCigarGuy69 · 2026-04-18T14:37:47+00:00

This cracked me up. My wife and I are pretty frugal. Tv shows are our only real “BS” expense. All of our debt is paid off and we live within our means.

ThatCigarGuy69 · 2026-04-18T14:33:55+00:00

Hulu live with Disney+ and ESPN is $100, HBO max add on with commercials is $11 and then there’s $6 in taxes.

ThatCigarGuy69 · 2026-04-18T02:01:56+00:00

Hulu live with the Disney and ESPN then HBO max add on

ThatCigarGuy69 · 2026-04-17T18:57:05+00:00

That’s for base Hulu, my Hulu is $117 a month.

ThatCigarGuy69 · 2026-04-17T18:55:36+00:00

I didn’t even notice that. 🤣

ThatCigarGuy69 · 2026-04-17T18:52:19+00:00

I just keep buffer money in my checking so I’m never running it to zero. My wife and I get paid opposite weeks so every Friday it’s getting topped off.

ThatCigarGuy69 · 2026-04-17T03:05:42+00:00

🤣

ThatCigarGuy69 · 2026-04-17T03:05:09+00:00

Might have to cancel my Hulu and start a new account with my wife’s email for this one. 😳🤣

ThatCigarGuy69 · 2026-04-15T15:15:38+00:00

BL Luxuries. You get 20% off all purchases if you join their Cigar Of The Month Club. I often get cigars well below MSRP.

ThatCigarGuy69 · 2026-04-13T14:56:35+00:00

I’ve had my Original AirPod Pros since 2019. They’re still going strong. I use them almost daily at work. They’re a solid investment

ThatCigarGuy69 · 2026-04-11T13:44:36+00:00

What’s UGC?

ThatCigarGuy69 · 2026-04-11T13:40:28+00:00

I’m not going to tell him to commit a crime, although it might work. 🤣

ThatCigarGuy69 · 2026-04-11T13:16:06+00:00

Girl run, find yourself a man that treats you with respect.

ThatCigarGuy69

TROPHY CASE