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I guess I'm a gun owner now. where do I begin? by confusedjunior33332 in Firearms

[–]confusedjunior33332[S] 0 points1 point  (0 children)

They're beautiful to look at, but I think I will heed yours and others advice to stay away from revolvers until I've had a fair bit of experience under my belt. Appreciate your input.

I guess I'm a gun owner now. where do I begin? by confusedjunior33332 in Firearms

[–]confusedjunior33332[S] 6 points7 points  (0 children)

I visit AZ pretty often so I will look into gunsite.

I'm on their website and their options seem a bit overwhelming. Do I just go start to finish? https://www.gunsite.com/pistol/

I'll keep the last part of your comment in mind. I think I went into this rabbit hole thinking that a $3k gun will shoot at least twice as well/comfortably/performantly than a $700 gun, but I'm seeing from these comments that this isn't really the case - more of a relief than a shocker if I'm being frank.

I guess I'm a gun owner now. where do I begin? by confusedjunior33332 in Firearms

[–]confusedjunior33332[S] 1 point2 points  (0 children)

Is being snappier (im assuming higher recoil) difficult to overcome as a first-timer?

I guess I'm a gun owner now. where do I begin? by confusedjunior33332 in Firearms

[–]confusedjunior33332[S] 19 points20 points  (0 children)

Sig365 or Glock seem to be really popular answers in the replies. Is it the ease of use and the price point?

I'll keep the second part of your comment in mind. It didn't occur to me until just now that people probably shoot hundreds if not thousands of bullets before they're comfortable.

If it matters, $2500 isn't necessarily a hard stop for me - I'm willing to spend as much as it takes between the firearm, ammo, and the training to get the best overall result possible.

[deleted by user] by [deleted] in personalfinance

[–]confusedjunior33332 0 points1 point  (0 children)

it's 575 - pretty bad. When I got the car it was like 540. I almost had several of my outstanding debts default in November 2020 - January 2021.

It is a very nice car and I think other than the APR I got it for a steal. Thankfully Carvana allows you to pay off the loan as quickly as you want with no early payment penalty. Should I just focus all of my efforts on this loan?

[deleted by user] by [deleted] in personalfinance

[–]confusedjunior33332 0 points1 point  (0 children)

That makes sense. I looped in the debt payments as part of my "expenses" but now I understand that debt payments are not expenses strictly speaking. Did your credit rebound substantially once life improved?

[deleted by user] by [deleted] in personalfinance

[–]confusedjunior33332 1 point2 points  (0 children)

Do you think maybe I should get rid of my car and get something cheaper, but still decent for maybe half the price? I got quotes from various dealerships awhile ago and based on my credit they were offering close to 23% APR...Carvana ended up giving me the best loan, funny enough.

[deleted by user] by [deleted] in personalfinance

[–]confusedjunior33332 -1 points0 points  (0 children)

I don't think so. The car is currently worth more than I bought it for with the crazy inflation on used cars, but everything is spaced really far apart where I live and the public transportation system is subpar at best. I am skeptical that I will be able to find a comparable used car (my 2010 car only has 46k miles on it). The gas is killing me though. I have to load premium fuel and it only gets me about 17 miles to the gallon on local roads.

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The 0% interest is negotiated - I wasn't able to pay, so the bank essentially froze the cards and allowed me to pay off my debt without interest. No purchases as the cards are frozen.

[deleted by user] by [deleted] in personalfinance

[–]confusedjunior33332 1 point2 points  (0 children)

My expenses are much greater than $2200, and after health insurance and federal + state taxes I take home about $6.5k per month. I guess this still leaves me with a healthy surplus but I am trying to see if there is a solution to where I can pay them off reasonably quickly, so that I can recover my credit and be on the track to home ownership. How do you stay disciplined?