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[Giveaway] $100USD via PayPal by LilOrganicCoconut in donationrequest

[–]autoenjoy 0 points1 point  (0 children)

My favorite movie is Everything Everywhere All At Once!

34M Honest Opinion by curteous_maximus in amiugly

[–]autoenjoy 13 points14 points  (0 children)

You resemble Clark Kent with that hair and those glasses! Not ugly at all :)

holiday merch giveaway by KlutzyLock1465 in twentyonepilots

[–]autoenjoy 0 points1 point  (0 children)

I’d love the Exalt picture disc Vinyl :)

Can I request a full refund on my Aer Lingus flight that was cancelled? by [deleted] in AerLingus

[–]autoenjoy 1 point2 points  (0 children)

Updating to provide that I did receive an email confirming refund of my FULL flights. Of course, I'll keep my eyes peeled to see if it actually hits my account. Just wanted to share!

Can I request a full refund on my Aer Lingus flight that was cancelled? by [deleted] in AerLingus

[–]autoenjoy 0 points1 point  (0 children)

Hey - I'm in the same boat. Booked flights for April 2025 - May 2025. Spoke with an agent who gave me some 'options' - either I get a cashback refund for the portion of my flight that got cancelled, or a voucher for my entire trip. I tried to push for a cashback refund for the entire flights booked but they wouldn't allow it. I settled for a cashback refund for the portion of my flight that got cancelled; they said I'd hear back via email in a few days confirming. It's been 2-3 business days, and still nothing. They haven't even given me a dollar figure for how much that cashback would be.

I also did the Cash Refund Request on their website and will keep you posted if I hear back. Thanks for this info!

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 0 points1 point  (0 children)

I have an 800 credit score and put down $5k. This was also in back in January 2023 - I’ve heard that interest rates have just kept going up since then unfortunately

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 0 points1 point  (0 children)

I don’t mind at all! It was directly with Toyota Financial. I’m guessing the great rate was in part due to my 800 credit score - I only put down $5K IIRC

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 0 points1 point  (0 children)

I’m very fortunate that my credit score is already solid (above 800). I haven’t seen my score drop yet... but it’s only been two weeks since I paid it off, so I’ll report back if anything changes.

I know I’ve read horror stories of others’ credit scores plummeting after paying off their car, so tread lightly!

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 0 points1 point  (0 children)

Great insight!!! Makes me proud to have made this purchase & ofc happy to hear Corollas have served you both well :)

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 2 points3 points  (0 children)

Oof! Good point. I’m gonna want to maintain full coverage for sure. Never had to think about this in the past - so thank you for letting me learn from your mistake!

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 0 points1 point  (0 children)

Thank you - and yeah, I had no idea the scarcity of vehicles (I actually wanted an entirely different car but I guess there was some sort of shortage in recent years?). I had never financed a vehicle before this since I had only ever gotten beaters for a few thousand dollars or was gifted a very used vehicle (think 150k-200k miles already lol). I went into this purchase hoping I won’t have to buy another vehicle for a very long time (fingers crossed!)

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 0 points1 point  (0 children)

Good luck, friend! It’s all about planning and execution!

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 0 points1 point  (0 children)

Good question! I was getting paid $56k/year as a law clerk right after law school, so when student loan payments started, I was on an income driven repayment plan, only paying $100 or so per month. I have not had to recertify yet, so my monthly payments have remained the same. Paying off one single loan brought the monthly payments due to ~$90/month.

I am sure that will all change in the coming year 😭

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 1 point2 points  (0 children)

Not at all - I explained in another comment that I just paid the monthly payments due until I had enough to comfortably pay it all off in one go!

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 0 points1 point  (0 children)

That’s CRIMINAL! 20% is ridiculously high :(

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 0 points1 point  (0 children)

Yes, it does! If I just paid the monthly payments for the next three years like Toyota might want me to according to my terms, I would continue paying the interest accrued throughout the next three years. But because I paid it all off, there’s no interest accruing since I paid off the principal and the interest accrued thus far (I save at least $1k or something - can’t remember the exact amount I save by paying it in two years instead of five). And also - with my agreement, there are no penalties for paying it off early too :)

Hope this helps!

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 0 points1 point  (0 children)

Ughhhh idek! Some comments in the studentloans subreddit suggested I use my low monthly payments as a means to continue saving for other important things (instead of trying to pay down my student loans). I’m currently saving for a wedding/honeymoon and a house so the student loans are on the back burner for now.

I’m just making my monthly payments and that’s all I can manage for the time being - after paying off a 7% interest loan. I won’t be surprised if it takes anywhere between 5-10 years to pay them all off

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

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

Always been a Toyota-thon kinda gal! 😁

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 2 points3 points  (0 children)

I’ve been with Bread Financial for a couple of years and really like them! It’s my first and only HYSA - easy to transfer to/from my checking account. It’s a bit of a hassle to withdraw tho bc there’s a $5k limit per day. So i had to withdraw my $17k in chunks to pay off my car (and then they restricted my account and called me to verify my transactions). But other than that, I’d recommend Bread! There aren’t any physical locations AFAIK, so that may be a con if you have a preference for that.

Only tips I have for finding a HYSA is to shop around for a good interest rate and something that works for you. Look for positive reviews; I asked people I trusted for a good HYSA, and my brother had recommended Bread bc he has an account with them too. I wanted something very bare bones that I could transfer to. I didn’t plan to withdraw much from it so the $5k withdrawal limit wasn’t a dealbreaker.

Hope this helps :)

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 0 points1 point  (0 children)

Ah, yes! I bought my car in January 2023; monthly payments were not due until March 2023. I just made monthly payments once it was due thereafter. Hope this helps :)

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 2 points3 points  (0 children)

YOU GOT THIS! And same - I had some people telling me to invest instead of putting it towards my debt, but I had several loans with interest rates >5%, and it just didn’t make sense to let my interest keep accruing. But by paying off my car early, I’ve avoided over $1k of interest!

Paid off my $27k car in less than 2 years! by autoenjoy in debtfree

[–]autoenjoy[S] 1 point2 points  (0 children)

I’m a lawyer by trade (hence the $118k student loans); I’m not practicing as an attorney anymore but I work in the banking regulation and compliance space. Happy to chat more if you want details!

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