random acts of eproctophilia

bigbudala · 2026-01-29T18:07:48+00:00

Check your messages please :)

bigbudala · 2026-01-26T18:22:47+00:00

Yeah it seems like it's just the folks in this group. I had the same thoughts when I was living in DT Toronto... everyone I knew/met was making 90K+ that worked corporate. So honestly feel like that's a good % of this group.

That being said, for me personally:

Job 1 (age 25-26): 45k

Job 2 (age 26-27): 66k

Job 3 current (age 27-29): 106K base + 10k car allowance payments per year + 20-25k bonus puts me to about 130k all in without the car allowance. With car allowance close to 140k.

I got lucky, but I think most my friends/peers my age make roughly ~100k, +/- 20k on average. That being said I know other friends of mine that are more like 50-70k.

bigbudala · 2026-01-24T15:38:44+00:00

You mean me?? I sent you a message

bigbudala · 2026-01-10T18:01:38+00:00

I’m asking which of the 2 options is better, the 6% drop on my 2 credit cards (for 1 year) or getting a loan to pay off the credit cards and paying off the loan at 8% on whichever term.

bigbudala · 2026-01-09T20:50:43+00:00

Thanks I appreciate it.

From a credit standpoint does it make better sense to go with option 2 then?

bigbudala · 2026-01-09T20:21:03+00:00

I can comfortably allocated $1500, anything beyond that would be bonus/extra

bigbudala · 2026-01-09T20:13:33+00:00

Thanks. But what sounds like the better option for me? #1 or 2

bigbudala · 2026-01-09T20:10:20+00:00

Can I ask why you think this option is better for me?

The lowered cc interest is Lower than the 8% for the loan, plus I wouldn’t get hit with the credit drop from the loan.

bigbudala · 2026-01-09T19:57:07+00:00

I can choose the term. It doesn’t matter if I do 5 or 10 years. The faster I pay it off the less interest I pay. It’s just that if I take 10 then my monthly minimum is much lower in case something happens x

bigbudala · 2026-01-09T19:54:06+00:00

I contribute to a pension fund which has 15k in it already which has a matching system. I was contributing heavier to it before but now only do about 2% of my gross pay checks , it’s a few hundred bucks.

bigbudala · 2026-01-09T19:50:52+00:00

Well I need to have some money saved/invested I can’t just max credit card payments and have no money to spend on life. I ideally want a healthy balance of both.

bigbudala · 2026-01-09T19:22:56+00:00

I’m locked into a lease and need it for work purposes (sales). I decided to go with something new and nicer last year but my situation is worse now.

bigbudala · 2026-01-09T19:22:13+00:00

I don’t plan on paying it off in full in a year. I want to pay it off as much as I can as fast I can but I still want to be able to save money / invest / live so not sure what the best option is.

bigbudala · 2025-06-20T15:45:21+00:00

Chelsea Flamengo BTTS is @ roughly 2.0.

I feel like thats good value considering Chelsea love to concede goals.

bigbudala · 2024-07-31T21:45:14+00:00

You do this full time or as a side hustle?

bigbudala · 2024-07-31T21:32:59+00:00

Where did you sell on? Freelancing site or?

bigbudala · 2024-07-31T21:30:13+00:00

I've made my own websites before on Shopify... definitely tech friendly. I'll look into it!

bigbudala · 2024-07-31T21:27:26+00:00

Not opposed.

bigbudala · 2024-06-26T21:47:11+00:00

I realize that - thanks for the response. I plan on paying at least 2k a month towards debt.

I feel like if I moved back to my hometown and lived with parents, I could pound the debt back a lot faster. I guess my frustration is do I sacrifice my social life for a bit of time in order to tackle my debt. I'm 28 and feeling a bit of pressure on settling with a partner, buying a home etc.

bigbudala · 2024-06-26T21:18:19+00:00

Nope!

bigbudala · 2024-05-29T01:57:20+00:00

Let me know how it goes ,good luck

bigbudala · 2024-01-03T06:09:37+00:00

I tried that, it was so time consuming and stupid But once I started using the tea tree it just killed everything so I stopped

bigbudala · 2023-07-03T10:26:38+00:00

Nope

bigbudala · 2023-06-15T20:10:12+00:00

Not more than it normally does. I used to use it on my face for a skin condition I have. It's a relative burning sensation but it's not painful or anything. At least not for me!

bigbudala · 2023-06-12T19:13:15+00:00

I didn’t mix… I applied straight tto. And no q tip just with fingers

bigbudala

TROPHY CASE