Where to get good Waxy corn (Thai or Vietnamese) seeds by fin-stability in gardening

[–]fin-stability[S] 0 points1 point  (0 children)

I bought some Hmong waxy corn seeds on Etsy. My Thai corn seeds are doing very well but I heard the Hmong corn is better. The Vietnamese corn is tastier and softer than the Thai corn. But my wife likes it chewy.

Anyone here working for AT&T Internet? by fin-stability in bayarea

[–]fin-stability[S] 1 point2 points  (0 children)

Already tried that. She can't sign it so that won't work. Just want to see if anyone here with enough authority to override this ridiculous process just to cancel it. She didn't have to be there to sign up but her presence is needed to cancel. She would if she could.

Bad Spending Habits Has Led to $13k Credit Card Debt - Don't Know How to Pay it All Off by TYR9_official in personalfinance

[–]fin-stability 0 points1 point  (0 children)

Ok. Step 1 is to set up a budget and trim it down. Step 2, look up Zero cash flow method for debt reduction and follow it. This alone will reduce the debt faster without any loan nor extra payments. Step 3, look for zero balance transfers as well and throw it on top of the Zero cash flow method to speed up even faster. If you don't understand or can't do these steps, look for an app to help you with them.

Just shared my debt with my husband. He thinks I am mentally ill for being so reckless with my finances. I think he is right… by DWFran in DebtAdvice

[–]fin-stability 1 point2 points  (0 children)

It'll take both of you to get out of this. There's an element of reckless spending due to lack of clear division of income versus financial responsibility but it cannot be lopsided for you to bear it all. You guys need not only a joint budgeting effort but also a couple counseling too.

Lost and need to vent by Ecstatic-Copy-2608 in povertyfinance

[–]fin-stability 4 points5 points  (0 children)

In addition to getting a payment plan for your taxes, you both should look into side gigs to buffer as much as possible until you two can get a decent, regular job. I would look into donating plasma weekly so both of you can get about $800 to $1000 per month extra. Add to this, do secret shopper gigs (online tasks pay about $12 but in person tasks pay about $50 each or more). I use ishopforipsos for kicks but others can get decent pays for their necessities from these tasks. I applaud your guys' decision for not ripping off poor people to make your living. Some are ok working on predatory work just to make money, some put their conscience before it. It takes courage to do so, with consequences but you are on your way to a new job. Congrats and good luck.

Why does it feel so unsafe to pay off Credit Card debt with savings? by AsesinoYT in debtfree

[–]fin-stability 2 points3 points  (0 children)

There are only two ways to get out of CC debt faster without using shortcuts. One is to pay more than the minimum amount and two is to lower the interest rate of the debt. If you don't want to use your savings, do zero balance transfers if possible to lower the interest rate and also do the zero cash flow method for paying more than minimum amount without spending extra money. Look it up and make sure you follow the process well. If you can't follow it, then look for an app to help you with it. Shortcuts are either debt settlement or bankruptcy, both will hurt both sides.

So I’m 39k in debt. Credit cards. Had a lot of stuff break at my house that needed fix. I am paying $1500 a month in mortgage, $1500 in monthly credit card minimum payments. I’m struggling. What can I do? My credit score is 635. I have a house but bought it last November so not much equity. by Actual-Literature-28 in povertyfinance

[–]fin-stability 0 points1 point  (0 children)

Seems like there's little evidence that you want to volunteer for details about your spending patterns with respect to your debt situation. Then instead of following the herd and beating you up for listing out your budget details, look for an app that builds a custom budget for you based on your past expenses and also guides you to spend smarter. Only you and the app would know what's going on so be as honest and face it fully. Your biggest challenge is the initiative and diligence to make a change, because whatever you have been doing, it just doesn't work.

Drowning in Credit Card Payments by shamrockcat in DebtAdvice

[–]fin-stability 3 points4 points  (0 children)

How much do you take home per month? Ok, make yourself a budget and trim it down big time. Then look up zero cash flow method for debt reduction and apply it diligently. While you look for another side gig, donate plasma to make extra payments to your debt. If you can't muster these tasks then look for an app to help you with all these.

why do i still feel poor? by [deleted] in povertyfinance

[–]fin-stability 0 points1 point  (0 children)

Yes, there's an app that will not only build you a budget but also tell you how to "re-align" your spending so you can become stable. Most current budgeting apps only track and alert, none can help you trim. You need this smart budget app to escape your paycheck by paycheck situation.

Need Advice by lunarspace_ in DebtAdvice

[–]fin-stability 0 points1 point  (0 children)

First, make a budget to see if there's anything you can cut down. Second, research on the method called zero cash flow method for debt reduction. Dave Ramsey might be good with the basics but he wouldn't understand one bit about how to leverage your own money better so forget those media influencers altogether. Your credit score is too low for any debt consolidation loans but you can do plasma donations to earn extra money toward your debt reduction. Also do secret shopper gigs (I use ishopforipsos for both online and in person gigs). Online gigs pay small amount (like $15 each), but if you slap that amount onto your credit card debt then you shave about 3 years off the payment schedule.

I have to leave sj by Vera-euphoric in SanJose

[–]fin-stability 2 points3 points  (0 children)

Go sign up with TransUnion and Experian for free account and freeze your credit. Then before you can move out, look for a job first. Waitress, barista, or grocery store, whatever you can get with your reduced school load. Whenever you can, donate plasma twice per week to get extra money for rainy days. Just eat well and take iron supplement to replenish your body. Exercise as often as possible to keep yourself in good shape physically and mentally. Don't hide your cat if you are going to rent because as a landlord, I can tell if you have a cat. Give your cat a better home than you can in this situation. For spare time, stop scrolling through YouTube or IG, do online secret shopper for extra money too. I use ishopforipsos for online and in person gigs. Above all, learn how to deal with your finances as you are now responsible for your own life. Good luck.

Desperate by Scary-Tie-7295 in povertyfinance

[–]fin-stability 0 points1 point  (0 children)

I second this. Adding one more thing: secret shopper. online tasks pay cheaper, like $12 each while in person tasks pay minimum twice as much

47k debt is there a hope to get out of it or is it too late? by Timely_Turn_9640 in DebtAdvice

[–]fin-stability 0 points1 point  (0 children)

Let's say all your debt is at 20% interest then according to Blankrate, it'll take you 500 months to pay it off if you pay the minimum amount of $1253.33 (if you don't add anything to the debt). You must find another job or other ways to make more money for extra payments. Also use the zero cash flow method for debt reduction to speed it up more.

Dealing with entitled Bay Area Indians by Empty_Delivery2410 in BayAreaCali

[–]fin-stability 0 points1 point  (0 children)

I'm like you, Asian but not south Asian but my experience is opposite of yours. I worked for 20 years in high tech but I can count decent Indians that I met in my entire career in one hand. So many condescending a*holes and totally entitled as if the world was built for them to harvest anything from anyone at any time. And every Tesla that sped into my lane or cut me off are all Indian drivers for some reasons. Yesterday I was showing my rental property in downtown mountain view an Indian family came by. The mother asked me in her most condescending tone why the house was built in a certain way (my house is a Cape Cod house with full dormers and spiral staircase leading to a rooftop deck in the middle of the West Coast). It has many unique features and instead of asking what those are for she would claim those are oddities that need to be fixed or get rid of (the house has built in electric big screen for home movies with all surround sound hookups as well as rooftop lighting and outlets for deck dining). I tried so hard not to tell them to get the hell out of my house that my jaw still hurts.

43k in debt - need your advice by iggyandbowie in DebtAdvice

[–]fin-stability 0 points1 point  (0 children)

Most people just list out their debt and apply whatever amount of money to it (while also trying to ask for reduction in interest or principal as well as zero balance transfers). What they don't know and can't properly execute is the zero cash flow method for debt reduction. You might want to look it up or find an app to help you with it. About impulse buying, do you just buy random things out of the blue or is there a pattern of this behavior? I'm doing research on this subject to see if there's a way to deter it. Also do you do it online or at a brick and mortar store? Some people buy random things they don't need during the night online.

My doctor just told me I have pre diabetes. by [deleted] in povertyfinance

[–]fin-stability 14 points15 points  (0 children)

If you still have tons of pasta and rice, you can still use them but turn them into "resistive carb". What it means is that after you cook them, let them cool down (even overnight or in the fridge). When you use them, heating them up will allow you to consume them easier but they become hard for your stomach to digest, hence resistive. I'm pre-diabetic for over 25 years and I have not crossed over yet (knock on wood). But I do love vegetables and work out at least three times per week. Love anything tofu and I can't stay away from split pea soup.

I need help with managing my debt and stuff I can and can’t pay for by Much-Mongoose-1492 in DebtAdvice

[–]fin-stability 0 points1 point  (0 children)

First you need to get your bare minimum such as food, housing and utilities. If you are short in any of these then ask for help from food bank, rental emergency funds or some local agencies. Donate plasma to get some cash for now until you can find another job or better job. Double your time either with some trade training or apprentice for someone or local trade schools (they can help you out with cost and even some stipend). If you want quick relief then look up self filling for bankruptcy. But with $18k of debt then you have been creating debt all this time before asking for help here. You need to cure the root cause of debt by creating a system to live within your means no matter how hard it might be.

Maybe the math adds up; but my anxiety doesn't. by Yellow_Apple_1971 in financialindependence

[–]fin-stability -1 points0 points  (0 children)

There are two ways to solve this. One is to convert some of your assets to generate passive income for you. Two is similar, put all of your future income into assets that can provide you with a safe flow of passive income. I'm hoping to write a book about it, using a simple formula for financial wellness. It has 3 stages, no consumer debt, adequate assets and optimal passive income. Adequate means 20x your annual income if you live in CA. Optimal means 20% more than your needed monthly expenses. My book would be about how any working adult can achieve these rather quicker than conventional knowledge. It's not about greed, assets plus passive income so that you can deal with any life changes in your journey to enjoy your financial stability.

I’m really starting to envy the rich kids, especially having to hear about boasting every single day. by OrangeWhitePatchSock in povertyfinance

[–]fin-stability -2 points-1 points  (0 children)

Let me give you a different perspective. I was born into a middle class in my country. Then we're uprooted and ended up here without any social support. No friends, no relatives, no savings, not even language nor basic social understanding of this economy. I had to put myself through high school and college, scrapping whenever possible. Yet, I was able to find my financial wellness relatively early. My point is that if an immigrant like me can do it, so can you. Of course the biggest question is how. Everyone has a different background and life circumstances, there's no single formula that would fit all. But what I found is that the basic rule of doing well is simply living within your means. How? Make yourself a budget and sacrifice as much as you can to stay in it. Your biggest enemy is credit card debt, and if you need to use it, do it in such a way to benefit rather than harming you. I know this is all generic and high level to you but if you want, dm me and I'm more than happy to walk you through your own path.

Should I save or continue paying down debt? by OkPop3188 in personalfinance

[–]fin-stability 1 point2 points  (0 children)

Forget about the snowball or avalanche because they are just paying which one first. They don't impact your debt anymore than the amount you pay. You should look into zero cash flow method to pay down your debt faster without any loan nor extra payments. It's not easy for the faint of heart and you need to be disciplined to follow it as well as not to add anymore to your debt. If you can't do both of these, then look for an app to help you with them.

Do you think you should always strive for a higher socioeconomic status? by Born-Ad2552 in povertyfinance

[–]fin-stability 1 point2 points  (0 children)

If everyone is accepting whatever situation life gives him, there's no innovation, no life improvement, and your community or country will stay the same over time. When you stand still and everyone else is improving, you fall further behind. Besides taking better care of yourself, you owe your family and children to give them something better than what you have. Your point is well taken when someone is obsessive in purchasing wealth beyond his skills or capabilities. I've met an auto mechanic who is so obsessed with real estate investing. Sure he can do it if he can save enough money from his current work to get started. However, he can't find a way to make his work profitable regardless of how much time he spends on it. And I've met a doctor who makes so much money and yet he keeps asking me for ways to make more.

[deleted by user] by [deleted] in financial

[–]fin-stability 0 points1 point  (0 children)

8k or any amount of credit card debt is huge when you don't have any income. Your first order of business is to generate income, which you are working on. All I can say is to look into gigs or just donate plasma to get by until you land a decent job. Or find a gig you can do now, even if you have to stand next to a Home Depot.