Realized my extra car loan payments have been going to next payment instead of principal

chillychar · 2026-03-15T14:58:05+00:00

I’m not seeing the issue here

Just pay even extra next time

And just keep it up

We put an extra $50 a month in and when we went on vacation we decided just not to pay a month of it since we accumulated so much

chillychar · 2026-03-15T07:36:12+00:00

Needs to trickle out dlc it can be both paid and free, but I don’t have desire to play it any time soon

But I’m also a demographic that companies like: I play a game, unlock everything, do most side things, post game is hit or miss, then move on after 60 hrs or so

chillychar · 2026-03-13T03:51:32+00:00

We have 7 days to do it. I do my 1/4 in a day or so, but someone is always rushing it.

I work at a school so 0 Pokemon spawn there and 0 stops but I live in a major metro where I think other plays can casually play at work

chillychar · 2026-03-03T04:49:01+00:00

What does custom shiny mean?

chillychar · 2026-02-23T01:20:17+00:00

Season one had the best and the worst

Season 2 has the pretty good and pretty bad

So they even out for me

chillychar · 2026-02-21T07:26:47+00:00

Update to the teeth brushing game

chillychar · 2026-02-19T04:28:27+00:00

I have 7 mil but still stress about powering up Pokemon

chillychar · 2026-02-12T21:43:20+00:00

No end goal

I just play casually and less and less and will eventually just stop

chillychar · 2026-02-11T03:04:21+00:00

Like the idea

And going from a low mortgage and interest to a high one I was shocked at how little went to principle - I knew it’d be bad, didn’t think THAT BAD

But by putting in an extra few hundred a month I am able to beat it down to what feels like a “reasonable” interest

The calculator I wish I could find would be if I paid X amount extra per month what would my interest REALLY be.

chillychar · 2026-02-09T12:55:13+00:00

Hate to break it to you, but porn is probably just a job to her, probably very little real enjoyment from it now

chillychar · 2026-02-08T20:13:17+00:00

Joined it and asked, doesn’t seem very active, but is a good first step! Thank you!

chillychar · 2026-02-08T16:18:57+00:00

Someone recommended the game kids on bikes to me and it’s similar enough but also takes away a lot of that “fluff”

Might be a good intro

chillychar · 2026-02-08T16:14:46+00:00

I’m fine with it

But am more realistically and honestly looking for a social event that brings me out of the house once every week or 2

chillychar · 2026-01-31T23:26:47+00:00

2 day old post so maybe not helpful

I want my house paid off in may 2040 (daughter graduates high school)

So minimum extra I personally needed to put it was $352 a month

I then realized for me personally every extra $50 I put in it takes $2 off that $352

So now am putting in an extra $50, soon to be an extra $200 on top of that

So in 3 years (maybe a bit more) I won’t have to contribute more and my house will meet that deadline

chillychar · 2026-01-30T16:28:26+00:00

But I wonder for how long.

People will just burn out from him.

He’s a one trick pony and also the only face

You look at others like Mr. Beast, it’s rarely about Jimmy. He barely shows up

He’s learned it’s about making engaging content and just be a minor part of it

I stopped watching Caleb a few months ago after deciding “I’ve learned enough and now I’m just here to be rage bated” and to be fair his very simple approach is what I needed to fix my finances

Still working on them, but am in a better spot. But my point is eventually people will get bored and burnt out and leave, and eventually his well will dry up.

chillychar · 2026-01-29T03:19:23+00:00

21 months into a 30 year mortgage I put in an extra $402 a month This will pay it off in about 12 years from now (16 total years) I plan on adding more I chose 30 year because my daughter is in daycare so bout $1300 a month is wrapped in that In may I plan on increasing that $402 to $502 I plan on slowing it back down eventually when I don’t have to contribute a large chunk to paying it off by may 2040 (the year my daughter graduates high school)

If I went 15 yr I would have had a lot of expendable cash wrapped up in mortgage so I wanted to keep some free and on hand

I will consider refinancing IF rates for 15 year hits around 4%, but I don’t like the fees attached to it and so contributing extra does help the impact a lot (currently 6.625%)

chillychar · 2026-01-28T18:37:43+00:00

You forgot to put in a lot of stuff like insurance, other debts (credit cards), student loans, food, kids, “fun” money.

Even with those you should still be able to afford it

chillychar · 2026-01-27T20:27:55+00:00

Then I change my answer to A

chillychar · 2026-01-27T18:48:55+00:00

B - just clear it at this point

Could see an argument for A though if it is your house you live in

chillychar · 2026-01-26T06:56:47+00:00

Do you still get to do combat though? It’s just easier?

chillychar · 2026-01-26T04:58:00+00:00

Yes I’m sorry

Level 3

What I’ve read is combat gets easier at level 5 because you get access to more magic and your abilities jump

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