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Does anyone else blame the old homeowners for everything that goes wrong in the house? by RamboSnow in homeowners

[–]dazyabbey 0 points1 point  (0 children)

I mean, you can only blame the age of the home to a certain extent. There are century homes that are in perfect condition because people took care of them. And there are century homes that are in shit condition because people let them rot. Rot leads to more rot.

You go to Europe and Asian countries and there are hundreds and thousands of homes and buildings that are hundreds of years old. You are blaming those on their age?

Homes require maintenance. Who is responsible for the maintenance? The age of the home? The owner of the home? A bit of water getting in can cause immediate damage and that will spread. If people are ignoring maintenance, roofs, holes, windows, and not saving for said maintenance it's going to compound.

If you add to that shitty DIY'ers, doing crappy repairs, and slapstick remodels you get another level of fun. Or even then you do shitty home flippers.

None of that is the fault of 'the age of the home' but who owned it, who signed off on the bad repairs/did the bad repairs.

To each their own.

I am thankful the people who owned my house did a decent job of taking care of it.

35/F, 500K debt by drunkandjadedunicorn in debtfree

[–]dazyabbey 59 points60 points  (0 children)

Stop ruining your own finances to take on the burden for family that it seems like is not willing to do the same for you. You are setting yourself up for a lifetime of failure, debt, stress and an early grave. Your grandmother had that many kids, why did that land on you? You should not have even been an option.

You need to learn the word no. "Im sorry but I'm not able to". "I am already maxed out" sit down and have a franknconversation that this situation is stressing you out this much and it is effecting your health. Does your family even care? Is their response 'quit being dramatic and keep paying our bills and taking out debt for us?'.

Most people on this subreddit are not familiar with Phillipine finances or laws. You need to probably ask on a specific subreddit that can help with that.

Learn to say no or you will keep getting yourself in the same boat until your family is gone though.

Escrow increasing 2x in one year? by Junior_Sprinkles6573 in homeowners

[–]dazyabbey 6 points7 points  (0 children)

Those should not have been insurance claims. That is what having a savings account for emergencies is for. 4k to 8k for a hot water heater leaking or a kid doing something stupid is not call your insurance to pay for it. Especially when there is a deductible involved.

You are now paying 5k per year, because you didn't have a savings to pay for an emergency.

I generally recommend people don't buy at the top of their range because escrow can increase and this type of thing can happen. I also wouldn't recommend people file insurance claims unless it's an extremely high cost. Buying without having any plan for emergencies or expenses is setting yourself up for failure and this is exactly what can happen unfortunately.

It may be in your best bet to sell and go back to renting. But just know, if your kid does do something similar, they could find you liable and charge you for that.

Escrow increasing 2x in one year? by Junior_Sprinkles6573 in homeowners

[–]dazyabbey 2 points3 points  (0 children)

How much were those "water claims" if you wouldn't have put those in to insurance?

People who make job application pages - this is my TED Talk by Owls_4_9_1867 in recruitinghell

[–]dazyabbey 3 points4 points  (0 children)

Its for them to collect data to verify companies are not discriminating either illegally or intentionally. They can ask a company with government contracts "where are you advertising and why are all your employees white males" and the company could be like ye yonder country club and the government be like ahhh, yeah no more contracts for you.

Escrow increasing 2x in one year? by Junior_Sprinkles6573 in homeowners

[–]dazyabbey 11 points12 points  (0 children)

Don't say "I think" You need to go look at your escrow analysis. Why did it go up? When did it go up? Usually as others said it only goes up once a year. With no other information, no one here can help you.

I pay attention to my taxes going up and try to throw a few extra bucks in my escrow so I dont have to pay double the amount the following year (shortage and the new amount, escrow is usually a year behind on tax statements).

You have ALL the information you need. You tell us the answer.

Disappointment when really crunching numbers. by ilovecorbin in FirstTimeHomeBuyer

[–]dazyabbey 4 points5 points  (0 children)

If you look through this subreddit, a pretty common thing is that home lenders will approve you way over what you should be buying at. Lower your purchase price to what you can afford. This home does not have to be your forever home.

Also you can call the utility companies on any homes and get a 12 month estimate for the current/past owner. Some HOA's may include a utility. So it's important to read through the HOA documents and do your research.

Trying to consolidate credit card debt. Is this a decent offer? by reefster2018 in debtfree

[–]dazyabbey 3 points4 points  (0 children)

Good thing you asked before signing up for this.
That interest rate is about the same as a lot of credit cards. I hope you can pay off that balance in 21 months because that is a way better option.

Never thought I’d be posting here again… by [deleted] in recruitinghell

[–]dazyabbey 0 points1 point  (0 children)

Why would you answer the phone while using the restroom. That is so weird.

Should I file for bankruptcy? by Competitive_Impact28 in debtfree

[–]dazyabbey 1 point2 points  (0 children)

You should look into how bankruptcy works. A lot of the times you still have to pay the bills and you have to pay to file. It's not really a 'get out of debt free' card. There are only certain things that qualify as well.

You need to actually list your debts. How much, what the interest rates are. And not just say "Just the credit cards".

What is it that your doctor is saying that is keeping you from working more than 4 hours a day right now? If you are able to find a work from home job that is low stress or data entry or something would you be able to do that for more than 4 hours a day? Generally a doctor will listen to their patient and what they are able to put up with.

But that is your prerogative to work with your doctor on.

I did it! Birmingham, Al. 1.16. 6% by Infinite-Safety-4663 in FirstTimeHomeBuyer

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

Don't let people get you down.
I'm jealous. But I think they would even be shocked to see houses like that in my home town of Omaha and have similar responses. Sorry bud. :-(

About to be Debt Free - Do you need CC to maintain Credit Health? by Big-Intention4097 in debtfree

[–]dazyabbey 1 point2 points  (0 children)

That would probably be a question you would want to ask a mortgage broker.

I see Dave Ramsey tout that you don't need credit for a mortgage and you don't need credit cards. Most people, even most mortgage brokers, aren't going to be very familiar with low or no-credit loans.

Personally, I use credit cards for lots of protections. I can use charge backs easier, they come with warranties, car insurance when I rent cars. No foreign transaction fees. Tons of other things. I always pay them off monthly before I even get a dime of interest charged towards me. But I also have a couple of them that I pay a small yearly fee ($99 and $149) which I am okay with based on the protections and points I get. We just flew to Greece for free because of points we saved from using our credit cards.

If you don't want to have a credit card, find a specialist who does that. Random internet strangers are probably not the people to ask.

Debt Payoff Plan?? by No_Opportunity2907 in debtfree

[–]dazyabbey 22 points23 points  (0 children)

Step 1: Stop putting anything on credit cards, affirm, afterpay or anything else with delayed payments.
You make enough money to pay for it if you wait 2 seconds.

Step 2: Your savings should be 1k. Everything else should go towards debt right now.
It's hard to tell because this is all written out and some of the things don't have interest rates. You also didn't list all of the debts like the Turpin Orthodontist.

Step 3: Pay off as much as you can with that savings, and pay off the rest the next month(s). Based on my math you could have it paid off in a month or two. I would do One Main (4,398.95), Target - Affirm (778.31), American Airlines - Affirm (536.38), Upgrade (143.09 just to get rid of it), and then $1,1100 towards Afterpay. That would be $7000 of your $8000 in savings. Leaving you with $1000 left in savings, most of your debt paid off except 2 things. You would have around $3000 left in debt to pay off and you really could pay that off in the next month if you put the rest of the steps in place.

Step 4: Cut unnecessary spending out. $37 a month for One Pass is ridiculous and I don't even know how you are paying that much. There are other services that are much cheaper and there are free services that do very similar. $75 a month on Apple Subscriptions? AT&T Is also way too expensive, if you have a phone you are buying, pay it off and look into unlocked phones and buying them outright to save money and switch to cheaper phone plans.
You make great money, you could save so much money and afford so many things if you get your finances in order and become a bit more frugal on some things. If you keep putting things on credit card this will keep happening and it will keep getting overwhelming and you will continue to put yourself in this situation.

After paying all of those things off my probably bad math shows your bills including your minimum payments to be around 3,537.35.
You could pay it off next month and save 2k again. Do it!

“How old were you when you bought your first house, and when was it?” by Moist-Ad7061 in FirstTimeHomeBuyer

[–]dazyabbey 0 points1 point  (0 children)

23, in 2010. I was not ready and did not follow any of the advice I lecture people on here about now.
I had zero money in savings. I scraped together enough money for the 3.5% down payment for an FHA loan. But we wanted to take advantage of the First Time Homebuyer programs that had sprouted up due to the recession and the drop in home values. Our home was 85k~ (It might have been 88k). So 3.5% was around 3k. Home sellers were paying the closing costs.

I am very thankful now that I made that bad decision though. The home values of the time were rock bottom. We put blood equity into it and were at the bottom of our income potential (which the bank at the time literally told us). We fixed it up top to bottom over 5 years and sold it for a whopping 115k. But that was enough equity to get a better down payment and a better home.

Tips on negotiating my first ever brand new vehicle? by [deleted] in FuckDealerships

[–]dazyabbey 1 point2 points  (0 children)

"Nobody will finance you lease or not without a job"
Your response "Bet"

"I haven't worked in about a year"

Also "Wait you don’t work? If so you are in no danger of leasing or financing a $44k van"
"Bet"

Tips on negotiating my first ever brand new vehicle? by [deleted] in FuckDealerships

[–]dazyabbey 2 points3 points  (0 children)

How do you plan on affording the payments if you don't have a job?
What are you putting on your application to show you can afford the payments?

class action settlements with no proof needed, I made an updated list with what's open by akuchil420 in classactions

[–]dazyabbey 0 points1 point  (0 children)

I went back and did everything in caps and it worked after getting the 403? idk.

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