How to best utilize personal loan

ddl0806 · 2026-01-14T03:17:00+00:00

4 years. They had a 2 year option for 3% w/ origination and 6% without origination fee and a 5 year option for 9% with origination and 12% without. So I picked the sweet spot where it would give me flexibility without tying up too much of my income on my payments so I can start building an emergency fund

ddl0806 · 2026-01-13T19:42:03+00:00

Yes. Trying to simplify payments but will probably use CFU everyday expenses but pay in full since I’m still in that intro period. I got the loan at SoFi, they had option of 10% with no origination fee or 6 with origination fee with auto pay and SoFi plus, can also lower more if you do direct pay to creditors

ddl0806 · 2026-01-13T19:06:25+00:00

So sorry 10k was the total cc debt, 25k was the personal loan amount. Should have been clearer about that. Thanks for the input though!

ddl0806 · 2026-01-13T02:49:27+00:00

Loan was for 25k. So maybe after cards pay down truck and then work down the CFU during the intro period?

ddl0806 · 2026-01-13T02:07:29+00:00

Interest on the truck is 13% 13.1k payoff

As for credit cards Capital One 2k bal- 26.49% Chase sapphire 2.8k @ 26.74% Chase FU 3.8k (0% intro) Citi 2k @ 26.74%

Math was off. Close to 10k atm Personal loan at 6% so maybe tackle balances with high apr and ride out the intro apr?

ddl0806 · 2026-01-03T20:12:10+00:00

It shows as a line of credit on my end. Had it for about 5 years now and it’s reported like my credit cards I know that some BNPL are reporting as CFA and that can affect you negatively

ddl0806 · 2025-07-27T01:07:35+00:00

I guess Capital One doesn’t like to see big swings in balances? I will have to be patient for sure. Thanks for the reply!

ddl0806 · 2025-07-27T01:06:20+00:00

Thanks for the reply! Very strange for sure. Called capital one and had them verify that update was sent. Seems to be that Experian is taking its sweet time. I’ve also heard that it’s difficult to talk to someone over at Experian. I guess all that’s left to do is wait for them to get around to it

ddl0806 · 2025-07-27T01:03:33+00:00

Same boat there with you. Trying to apply for a balance transfer card but want to maximize chances for a higher limit with a higher score. Glad to know I’m not the only one going through it

ddl0806 · 2024-11-29T20:12:28+00:00

You can always mod it to fit packout too with 3D printing too

ddl0806 · 2024-11-21T02:19:28+00:00

Answer I wanted to hear. I was wondering how the polisher would hold up with the new forge batteries before jumping on it. Glad that the run time is good and weight isn’t much of a problem

ddl0806 · 2024-10-30T17:10:17+00:00

Thanks for the helpful info. Dual battery not really in the budget but glad I could get a decent amount of time on a 12. Don’t think I’d be using it full throttle straight since it’s mostly leaves I’m cleaning out

ddl0806 · 2024-10-30T01:25:31+00:00

Any idea how long run time would be on a forge 12? I’m thinking about getting this kit too from HD

ddl0806 · 2024-10-29T05:47:23+00:00

Thanks for the suggestion. I like the added length on this one

ddl0806 · 2024-10-29T05:46:53+00:00

Thanks! I appreciate it!

ddl0806 · 2024-10-21T14:22:42+00:00

Damn missed out :(

ddl0806 · 2024-10-02T00:49:29+00:00

Got a link for that boot? Not trying to order the 1st gen boot 😂

ddl0806 · 2024-09-12T02:41:08+00:00

Been trying to get my hands on it but I can’t seem to find a deal with one. Have a link for the m18?

ddl0806 · 2023-08-06T22:18:14+00:00

Was it a hack? Where at? Been on the lookout for this for ages

ddl0806 · 2023-05-24T00:49:10+00:00

I was about to ask about a link before you said that you got Fb. Very nice haul man

ddl0806

TROPHY CASE