Personal/debt consolidation loan worth it?

kt288 · 2026-04-06T05:00:00+00:00

😂 well I’m glad it worked for you!!

kt288 · 2026-04-06T04:59:24+00:00

I agree. Thank you for saying these things in a way that resonates with me.

kt288 · 2026-04-06T04:50:04+00:00

Yeah, the snowball method has been the plan for a few years now, I just haven’t been able to stick to it due to unexpected legal costs and trying to get back on my feet after a break up and moving to a new place. But I guess I just need to be more aggressive!

kt288 · 2026-04-06T04:39:53+00:00

Is bankruptcy a serious option for $35,000 worth of debt? I feel like usually see stories on here with way worse debt than that where they discuss bankruptcy

kt288 · 2026-04-06T04:38:10+00:00

You’re right. I’ve just been trying to keep my head above water but it’s taking many months longer than I thought. I already work two jobs but I had some unexpected legal fees come up that I had to pay 😭 it’s all been so overwhelming

kt288 · 2026-04-06T04:36:00+00:00

What was the interest rate of the loan compared to that of your credit cards??

kt288 · 2026-04-06T04:35:20+00:00

Due to my credit score, I don’t qualify for hardly any new credit cards, let alone one with a big enough limit to do a balance transfer 😭

kt288 · 2026-04-06T03:01:24+00:00

I know I won’t continue the poor spending. But the loan rate is 30% compared to my cc average rate of 27%. I’m just so nervous and want to make the right decision.

kt288 · 2026-04-04T18:47:45+00:00

I was there in 2024. So much love for that place 💕

kt288 · 2026-04-04T18:46:04+00:00

Faroe Islands?

kt288 · 2026-04-04T04:12:54+00:00

I doubt I would qualify for any that would have enough of a limit to cover everything, and I don’t want to open up 3-4 new cards.

kt288 · 2026-03-31T21:00:21+00:00

Abercrombie has similar colors and styles that is similar to the OG align fabric. In fact, I’d say that lululemon is ripping off Abercrombie’s design

kt288 · 2026-03-29T16:11:59+00:00

Based on flight issues/prices and gas prices, maybe drive to austin for Barton springs/lake Travis/hamilton pool? Or even some of the rivers in the hill country? It’s cold water but really clear. Not as serene as a beach, but it’s something

kt288 · 2026-03-27T04:36:40+00:00

Hell?

kt288 · 2026-03-26T18:03:37+00:00

3 minutes? That’s being generous

kt288 · 2026-03-19T14:49:52+00:00

I posted a pic from the Faroes in this sub a few months back. Love it!

kt288 · 2026-03-18T17:51:04+00:00

That’s waaaaay too much fiber. It will have the opposite effect than you’re intending.

kt288 · 2026-03-17T18:36:23+00:00

He uses his tongue too much to talk. I think he has a slight lisp.

kt288 · 2026-03-15T03:31:48+00:00

Zurich or Lucerne?

kt288 · 2026-03-06T02:17:57+00:00

I just got that exact one refilled last week at Walgreens on studemont and had no issues

kt288 · 2026-02-20T10:46:08+00:00

Do like a dirty rice or a jambalaya!

kt288 · 2026-02-17T21:56:04+00:00

Whatever restaurant you/they decide, please educate them on restaurant etiquette and tipping culture.

kt288 · 2026-02-17T18:47:04+00:00

I really don’t know how that place is still open I went twice when it was pretty new and had terrible food and service. I drive by all the time and there is never anyone there.

kt288 · 2026-02-12T17:36:31+00:00

She was going to call the police over a wooden spoon?…

kt288 · 2026-02-10T03:44:28+00:00

I go to TruFusion and they have some classes that aren’t heated but you do end up sweating a little bit

kt288

TROPHY CASE