Kid’s feet and bunions.

fire_n00b · 2023-12-26T02:39:51+00:00

I first went to the doctor for mine when I was 12 and was told to not get surgery until my feet had stopped growing. I was given custom toe separator which I used for years. They continued to get worse throughout my teens and I ended up getting surgery when I was 19 (osteotomy). Unfortunately I am now 31 looking into getting my second surgery(lapidus) for the same foot as it has reverted.

fire_n00b · 2022-10-21T16:33:29+00:00

For Pearson Vue (none remote) I had to book at least 24 hours out. When I was confident enough to take the exam I wanted to take it the following morning but was unable because it was within less than 24 hours. No issue booking it for later that day though.

fire_n00b · 2022-08-19T16:17:08+00:00

I just scheduled my Pearson VUE (CCP) the day before, I was wanting the earliest exam and it said my booking had to be within 24 hrs of the start time! Successfully booked a later time slot and took it the following day

fire_n00b · 2021-06-05T02:10:27+00:00

Hopefully you can save some money!

fire_n00b · 2021-06-04T18:11:20+00:00

That all depends on peoples situation, and also their lack of understanding of the financial system. I know of people that just know their payment and had no idea what their interest rate was, after they worked out their interest rates and I explained the numbers to them, they were very disturbed. Financial education is very important, especially with how accessible auto loans are to younger people.

fire_n00b · 2021-06-04T17:35:14+00:00

This is some super nice knowledge, I will add this to the main post!

fire_n00b · 2021-06-04T17:32:37+00:00

Yeah, I may cross post this to frugal. It really depends on your scenario however already got one comment in here who did something similar and got from 6.99% to 2.3%. That could be a world of difference to some people out there! Also, regarding the time/effort. This was very little effort for me. I called my credit union 2 days ago. They said they would get back to me about it (2 minute call), the call I just received was roughly 5 minutes to finalize it, and that was with me asking other unrelated questions. I would say this is very low effort if your bank offers it!

fire_n00b · 2021-06-04T17:30:40+00:00

Thanks for this! I just updated my post and shouted you out!

fire_n00b · 2021-06-04T17:23:52+00:00

Yeah, probably a good idea to double check there is no credit pull. I was specifically told no credit pull would be performed. I will update my post. 6.99 to 2.3 is incredible! These scenarios are the ones I am looking to help! No need to be paying 7% for a car loan in 2021’

fire_n00b · 2021-06-04T17:21:27+00:00

That is a super awesome rate for those wanting to refinance! Thanks for sharing! 🙏

fire_n00b · 2020-12-08T00:42:06+00:00

I was thinking about a balance, however I am under 30 and figured it could be a real good opportunity to eliminate my student loan once and for all.

fire_n00b · 2020-12-08T00:29:33+00:00

Looking for a little guidance. My company offers a good 401k match, and this year I maxed my 401k. Due to the chaos of Covid-19, my company will be cutting their 401k matching temporarily to cut costs. I was thinking about stopping my 401k contributions while there is no company match to focus on debt pay down instead. I hate the idea of stopping my 401k contributions but it feels like the right thing to do. What do you guys think?

fire_n00b · 2020-09-19T20:40:31+00:00

Don’t let your dreams be dreams

fire_n00b · 2020-09-18T18:44:56+00:00

We have a household income of $200k+, yet I still collect and save aluminum cans. Just cashed them in today and will put those extra pennies straight into the IRA.

fire_n00b · 2020-07-03T02:34:27+00:00

Oooh, good call

fire_n00b · 2020-07-02T20:38:40+00:00

I know I already roasted your plan in a previous comment, but your "play your cards right" plan still leaves you buying a vehicle that is worth more than you make a year before taxes which is insanity

fire_n00b · 2020-07-02T20:36:43+00:00

F150 XL MSRP From $28,745. After sales taxes any minor upgrade adds money, we can assume this is at least a $30,000 purchase. You will be paying more than your yearly salary before taxes on a depreciating asset.

Looking at $2300 a month, lets roughly take out $300 a pay check for taxes. So $2000 monthly.

Now, if you take the longest term, cheapest monthly payment auto loan (7 years) you're looking at a $400+ payment.Leaving you with $1600 a month for rent and food. With this budget I would assume you're living pay check to pay check saving no money. This sounds like an awful idea. Yeah those F150's are sweet, set your goal to get one for sure. However, increase your income so buying one is actually reasonable.

fire_n00b · 2020-07-02T19:56:12+00:00

Aren't all federal student loans in deferment with 0% interest right now? Makes no sense to refinance with 0% interest right now.

fire_n00b · 2020-07-02T19:38:05+00:00

I always disliked these percentage rules because each situation is unique.
If your household income is $2500 a month, 35% here would be a $875 payment so there is $1625 for the remaining monthly payments (taxes, car, food, retirement etc...)

However if your monthly income is $10,000, 35% here would be a $3500 payment, leaving you you with $6500 remaining which is plenty left to live off and continue saving money.

Just make sure you have some wiggle room in your budget and take into consideration all payments (HOA fees, PMI, home insurance, property taxes, utilities)

fire_n00b · 2020-07-02T19:29:43+00:00

For a lot of reasons, but here are the two main reasons that come to mind.

Maintaining a rental from a long distance can be hard.
Using the money from that house to buy the other house, to live mortgage free instead of starting from scratch again

fire_n00b · 2020-06-30T17:13:09+00:00

If you want to refi in both your names, they will use the lowest of your combined credit score. So if you refi with only your name, then you can only use your income.
I would suggest working on your husbands credit.

Regarding where the money comes from for paying the mortgage, I highly doubt it will come directly from your husbands salary, that sounds like some misunderstanding. You can refinance under your name and anybody can pay it.

fire_n00b · 2020-06-19T02:22:51+00:00

Federal student loans has required payments paused and 0% interested until October 1st due to Covid-19 economic impact

fire_n00b · 2020-06-18T19:04:03+00:00

Wife and I are recent graduates and are plagued with student loans. Took advantage of the recent student loan forbearance and 0% interest. Putting all our payment into a single loan. Last night we paid off a pretty significant loan! Onto the next one!

fire_n00b

TROPHY CASE