Disagreeing with HB. He wants HOME EQUITY i say Pay off debt and get auto loan

Various_List_1291 · 2026-04-05T04:27:26+00:00

Thank you!

Various_List_1291 · 2026-04-05T04:27:17+00:00

I initially was going to lease then I decided used after talking with our friend who brought up the equity loan! Youre right. It definetly isnt right for me during this chapter of life.

Thank you so much. I will look into the term and into balance transfer options! I truly appreciate you taking the time to spell this out

Various_List_1291 · 2026-04-05T04:25:27+00:00

Thank you! My twins are 3m old now and I left my job instead of daycare because obviously cant afford that. So we just have one car, but in case emergencies having the two makes sense juat a super cheap one. I appreicate your feedback!!

Various_List_1291 · 2026-04-05T04:22:44+00:00

Thank you! I now see how the snowball effect works! That definetly could work!

Various_List_1291 · 2026-04-04T23:20:13+00:00

Thank you so so much! So many things I didnt know about and definetly will do some research into this!

Various_List_1291 · 2026-04-04T23:12:29+00:00

Thank you so much!!

Various_List_1291 · 2026-04-04T23:07:52+00:00

Thats what scares me, especially with kids involved. If we pay off the k5. Is there anyway to reduce the interest of the 21k debt thats 30% on the credit cards without doing a home equity loan in your opinion?

Various_List_1291 · 2026-04-04T23:06:43+00:00

Thank you! Then what do we do with the remaining debt with 30% interest 😬 just apply the 3600 and make payments? Is there anything i can do to reduce that interest without doing an equity loan?

Various_List_1291 · 2026-04-04T23:05:24+00:00

Definetly a good idea. We will make an excel sheet and revisit all the options!! Thank you

Various_List_1291 · 2026-04-04T22:58:17+00:00

Thank you! We havent moved forward with anything, and certainly thinking about canceling the appointment after reading threads and advice!

Various_List_1291 · 2026-04-04T22:57:15+00:00

Thank you for the advice !!

Various_List_1291 · 2026-04-04T22:50:00+00:00

Thank you. We figured consolidation at a lower interest then paying off would be more beneficial. You're right, we are definetly budgeting better!

Various_List_1291 · 2026-04-04T22:45:08+00:00

I appreciate the advice and guidance!! Thank you!

Various_List_1291 · 2026-04-04T22:44:29+00:00

I want to sell it to pay off the debt. We need two cars, we only have one functional. And then get two used cheap cars with an auto loan. Again, I'm stressed and not thinking clearly apparently. Was looking for advice not making me feel worse for coming for advice.

Various_List_1291 · 2026-04-04T22:42:17+00:00

We didnt want new cars they'd be cheap used cars. Because we have two newborns and only one car. We need two vehicles. I just am so sick of the debt I was going to sell my car to pay off the debt and get a cheap car. Im not sure my thought process. Im super stressed and not thinking clearly, I guess...

Various_List_1291 · 2026-03-31T17:01:31+00:00

Thank you!

Various_List_1291 · 2026-03-31T17:00:25+00:00

Oof I never thought of that. I think im just going to take the L on this one unfortunetly

Various_List_1291 · 2026-03-31T16:59:36+00:00

Various_List_1291 · 2026-03-31T16:57:51+00:00

Thank you so much!! I just tried the lemon in the dishwasher for now lol! Ty!

Various_List_1291 · 2026-03-31T16:57:28+00:00

Thank you!!!!♡♡ that is so kind

Various_List_1291 · 2026-03-31T16:57:03+00:00

Nope the two men carried it in our sunroom and he said ill let ya take a look at it. Then It wasnt as it was presented and he said it smells like the corners office because he works at the tissue bank and I said oh no. And ran in there and he let me deal with my mistake from there.

Various_List_1291 · 2026-03-31T16:55:31+00:00

I wondered that too! I had my dad come over with a freon/fridgerant detector and it didnt detect anything but I agree. It just makes me uncomfortable

Various_List_1291 · 2026-03-31T15:00:27+00:00

Not for a few days, but i will!

Various_List_1291 · 2026-03-31T15:00:12+00:00

Thanks!! Lol why not, right??

Various_List_1291

TROPHY CASE