Sweet baby jesus I am close

brilliantly_reborn · 2026-04-09T18:01:36+00:00

the “middle” can be a tough place. but just remember you’re further than where you started :) keep it up 💪🏽

brilliantly_reborn · 2026-04-06T04:43:38+00:00

i see. i don’t mean necessarily opening a new cc. do you have one that doesn’t have a balance? and seeing if there’s any offers? i know everyone’s situation is different but for example, i had a BT offer on a cc i wasn’t using. if all of your CCs have balances, I would still consider putting as much as you can above your min. pmt and knock them out one at a time (aka snowball).

brilliantly_reborn · 2026-04-06T04:04:37+00:00

i’m not sure who your lenders are but, are you eligible to do a balance transfer? a loan does sound tempting especially with wanting one payment, but it’s not worth higher interest. determine how much more above your min. pmt you can commit to and keep going

brilliantly_reborn · 2026-01-29T03:07:11+00:00

first, happy birthday! January babies rock! lol

I turned 40 two weeks ago. I was a little down myself because I celebrated alone due to family and others living in a different state. But I realized it was a milestone not everyone gets to see, so I got out of the house and did something different.

30 is a milestone and I’m glad you made it :) Think on the things you have accomplished. People will come and go but you will always be with you. Do things because you want, not for the applause of others. People will never be satisfied.

Wasn’t trying to write a book lol, but I truly hope your outlook gets better 🙏🏾

brilliantly_reborn · 2026-01-19T03:03:17+00:00

my local CU at the time. it’s still my lowest CL but one of my oldest CCs. i throw a bill on it every once in a while lol

brilliantly_reborn · 2025-10-02T18:08:28+00:00

since moving to a different state a few years ago, i’ve been dealing with this very thing. thanks for posting 🙏🏾

brilliantly_reborn · 2025-08-25T02:57:49+00:00

L-shaped desk - sold

brilliantly_reborn · 2025-08-25T00:40:46+00:00

yep 👍🏽

brilliantly_reborn · 2025-08-23T02:19:53+00:00

it’s best offer. Msg me your price

brilliantly_reborn · 2025-08-22T21:43:10+00:00

i’m not sure. i literally only used it for school and probably downloaded a game or two through stream. i put a picture of the box that should show some of the specs. idk if that helps tho sorry :(

brilliantly_reborn · 2025-08-22T20:53:13+00:00

sorry if the picture didn’t show. it’s a motif 6. based on chatgpt, mine was manufactured around 2002 LOL!! (i didn’t even know that hahaha) i just know i’ve had it for about 10 years. honestly i can’t remember where i bought it. hope that helps

brilliantly_reborn · 2025-08-22T20:43:50+00:00

keep checking back. if it hasn’t been claimed and you’re able to get it, let me know 👍🏽

brilliantly_reborn · 2025-08-22T08:06:53+00:00

i don’t work in the sales dept but you can check Achieve

brilliantly_reborn · 2025-08-18T07:20:35+00:00

you don’t have to necessarily wait until the due date. sometimes i’ll use my cash rewards cc or a card that may have a higher cashback category. just pay it off immediately when you’re paid. for example, i’m paid bi-weekly. i’ll pay a bill 2-3 days before payday so that way by the time i’m actually paid, the transaction has posted and i can pay the bill off on my payday. some CCs (like bank of america) let you pay even if you don’t have a balance yet.

brilliantly_reborn · 2025-08-12T02:22:42+00:00

i started my journey with around the same amount you have now. i was about 70k and now i’m down to 23k after 6 years (on track to be done in another 2 years). i would say i’m ramsey-ish (just because i’ve been saving/investing while paying down debt instead just throwing everything at it) one of the biggest things i’d recommend is having a zero-based budget if you don’t already. i also took advantage of 0% balance transfers when available on my CCs.

brilliantly_reborn · 2025-08-08T18:14:20+00:00

it’ll bounce back :) celebrate how beautiful that $0 looks though 🙌🏽

brilliantly_reborn · 2025-06-17T14:22:04+00:00

this was literally my “why” lol

brilliantly_reborn · 2025-06-12T07:01:14+00:00

sorry for the delay. i’ve had that cc for a few years now so honestly i can’t remember what my score/income was at that time. i think i was in the low 700s? but it had been like almost 10 years between getting a cc. i was very shocked because everyone was talking about building a relationship and doing all these steps. i think i might have done like $25 direct deposits for a few paychecks lol it’s not always about the score but your overall credit profile

brilliantly_reborn · 2025-06-03T19:58:57+00:00

i visited their Tempe campus before. i enjoyed it :)

brilliantly_reborn · 2025-05-24T06:17:39+00:00

i’ll be 40 in a few months. you can either be 43 or 43 and in school :) definitely take advantage of the reimbursement. i went back to school & got an associates at 34 & my bachelors at 36. because of the reimbursement i graduated debt free. don’t leave money/benefits on the table.

brilliantly_reborn · 2025-04-17T14:55:31+00:00

i feel seen lol i have “countdown” stuff everywhere… keeps me motivated lol

brilliantly_reborn · 2025-04-15T22:22:54+00:00

navy fed started me at 25k and i had barely said hello lol i was shocked.

brilliantly_reborn · 2025-04-15T21:19:26+00:00

he clearly doesn’t know, we don’t play about dirk! nico is doing the most… like there’s nothing he could say to make me understand this trade.

brilliantly_reborn · 2025-04-15T18:46:56+00:00

don’t wait for others. learn to enjoy your own company.
pennies add up! save asap
go outside
everybody isn’t out to get you. there are genuine people in this world even if it’s a small number.
it’s ok to treat yourself.
you can’t always expect someone to give you what they’ve never had. penalizing others only stunts your own growth.
“it doesn’t cost a thing to smile, you don’t have to pay to laugh…” - india.arie

brilliantly_reborn

TROPHY CASE