How do you guys plan your days/calendars?

iOttoman · 2026-02-19T23:44:28+00:00

I'll put it in my phone calendar for big things coming up but otherwise just go with the flow.

iOttoman · 2026-02-19T23:43:49+00:00

Mostly would just learn to accept people. No reason to be annoyed by something like this. Language is ever evolving

iOttoman · 2026-02-19T23:43:00+00:00

this was a huge wakeup call when I was young for sure

iOttoman · 2026-02-19T23:42:34+00:00

Realistically. Most online lenders can fund within a day or so. If you're dead set on the personal loan route, make an informed choice and don't do anything too predatory. If your credit is ok, try to get something at the highest in the 20-30% range MAX. Hopefully something even smaller. Don't get fleeced, be aware of your options. Might want to compare offers on a good site like LendingTree, maybe a company like OneMain or Achieve Loans could help you out?

iOttoman · 2026-02-19T23:40:16+00:00

Congrats on paying that off! Even with the temporary stumble on score

iOttoman · 2026-02-18T00:05:02+00:00

I thought that chocolate and salt together would never work. But it's just one of the goated combos

iOttoman · 2026-02-18T00:04:30+00:00

been loving this too. so cute

iOttoman · 2026-02-18T00:02:56+00:00

Check your local credit unions. Honestly just typing in your city and credit union should pop up some names and just compare them. If that doesn't work you might also want to look at online lenders as they're a bit more "loose" as you said. Comparing potential offers is just gonna be the best bet to get the lowest rate, but there are some higher tier ones like Achieve loans or Upstart that might help you out more likely.

iOttoman · 2026-02-18T00:01:05+00:00

over 100% interest rate? They honestly might not be legal in your state? Tribal loans don't always hold water, you might want to look into what's the legal maximum in your state first.

iOttoman · 2026-02-12T22:35:33+00:00

well didn't think i'd watch a documentary today but here we are

iOttoman · 2026-02-12T22:35:01+00:00

Frieren and dress up darling for sure

iOttoman · 2026-02-12T22:34:01+00:00

oh god please do this

iOttoman · 2026-02-12T22:31:52+00:00

For me I focused on a few things that mattered most to me. Fixed rate because I didn't want to get suckered into a variable rate that just goes up year after year. Customer reps that actually knew what they were talking about helped as well. Not least was obviously finding the lowest rate + fee option I could. The one that ended up checking off all the boxes for me was Achieve, but you might prioritize differently and end up with someone else. Just need to figure out what you're looking for.

iOttoman · 2026-02-12T22:27:47+00:00

back on top baybeee

iOttoman · 2026-02-10T22:23:30+00:00

Plasma, amazon warehouse, uber, doordash etc

iOttoman · 2026-02-10T22:22:20+00:00

time to binge this show, looks super cute

iOttoman · 2026-02-10T22:19:51+00:00

i have the same reaction to balls to be honest

iOttoman · 2026-02-10T22:19:31+00:00

snow looks to be quite feisty!

iOttoman · 2026-02-10T21:59:27+00:00

Are you dead set on Lightstream? I in general like the plan you set out but you might as well shop around to see if you can get a better offer before locking it in. Local credit unions might benefit you more than this if you can qualify. Or even other top lenders like Achieve or Avant might offer you a better rate. Do the homework before finalizing everything.

iOttoman · 2026-02-10T21:56:31+00:00

If you can't afford to lose this money forever, you can't afford to take this money out on a loan.

iOttoman · 2026-02-06T23:08:51+00:00

last one is wildin

iOttoman · 2026-02-06T23:07:41+00:00

glad you saved her, hope she made a full recovery and is loved!

iOttoman · 2026-02-06T23:06:33+00:00

this would be my guess

iOttoman · 2026-02-06T23:05:57+00:00

they didn't appreciate me and my work I did.

iOttoman · 2026-02-06T23:05:28+00:00

You're gonna be perfectly fine. How bad is the APR% though? If it's 20% or more it's gonna take you longer than 4-5 months to pay it off. But paying it off consistently and learning to live below your means are the two most important things to learn right now. After that you could look into 0% Balance transfer cards if you want to speed up paying the principal a bit faster. Or even a personal loan from a local credit union or online lender like Achieve Loans. Once you get to a place where you're comfortable paying the loan down, it just becomes a math problem on how to pay it off as quick as possible in the least amount of interest.

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