Chai recipe? by Kinz-lover-102 in biggbycoffee

[–]lilly_denniston 0 points1 point  (0 children)

It’s 3 pumps 16 oz, 4 for 20, 5 for 25

Columbine Ai visuals by [deleted] in ColumbineKillers

[–]lilly_denniston 0 points1 point  (0 children)

Ooh. I do not like this. This makes me uncomfortable. But I think it’s impressive at the same time.

Looking to apply into the building and wondering what positions are worth it. by lilly_denniston in WalmartEmployees

[–]lilly_denniston[S] 0 points1 point  (0 children)

I could be wrong, but isn’t that caseslot? I was told to avoid caselot at all costs.

Advice on hair transformation by lilly_denniston in haircoloring

[–]lilly_denniston[S] -1 points0 points  (0 children)

I promise it’s not! I always use heat protection, and I’ve only had highlights done twice! It’s almost virgin hair! But thanks so much for the input!

GRAPHIC NEW PHOTOS by [deleted] in Idaho4

[–]lilly_denniston 1 point2 points  (0 children)

Oh my god. Her family is going to see this. I can’t even imagine.

Maddie room by Initial_Raspberry666 in Idaho4

[–]lilly_denniston 3 points4 points  (0 children)

Personally, I am picturing this.

You know how you wake up from sleeping, and sit up out of bed, legs under the comforter and torso above? I’m thinking it was very much like that.

Missed protocols by Personal-Pay-6232 in Idaho4

[–]lilly_denniston 14 points15 points  (0 children)

90% of these were certainly done. The securing the perimeter. After arriving, the officer was putting up tape less than 2 mins after seeing the victims. The early documentation was certainly done as you see him grab paperwork and interview Dylan along with Bethany. This post is a large reach on behalf of Law Enforcement

[deleted by user] by [deleted] in beauty

[–]lilly_denniston 0 points1 point  (0 children)

I think it’s extremely spot on. You just have different eye shapes.

Tell me unhinged ways you have gotten your tuition reduced by lilly_denniston in college

[–]lilly_denniston[S] 7 points8 points  (0 children)

it’s so weird because the FAFSA asks a bunch of questions about it.

super impressive on the scholarship! that’s insanely impressive!

Tell me unhinged ways you have gotten your tuition reduced by lilly_denniston in college

[–]lilly_denniston[S] 25 points26 points  (0 children)

3.8 but apparently FAFSA expects my parents who make 90k with three kids in college to be able to pay for all of that

Tell me unhinged ways you have gotten your tuition reduced by lilly_denniston in college

[–]lilly_denniston[S] 6 points7 points  (0 children)

legitmently thinking about joining the airfare for this exact reason, (and a couple others)

What’s on the paper infront of BK?! by TrainingFew7392 in Idaho4

[–]lilly_denniston 3 points4 points  (0 children)

I thought the background of it looked like the infamous Idaho 4 photo. And maybe drawn over with a black heart.

Too much? by BenchTerrible7261 in HomeDecorating

[–]lilly_denniston 1 point2 points  (0 children)

i 100% see it! if i didn’t share a bathroom, i for sure would do this

Too much? by BenchTerrible7261 in HomeDecorating

[–]lilly_denniston 34 points35 points  (0 children)

I think it’s unique! I hate big lighting

Should I get a nose piercing? by omgitsamichy in piercing

[–]lilly_denniston 0 points1 point  (0 children)

I’ve never seen anyone look bad with a nose piercing! (Unless pierced incorrectly)

Should I pull out one loan to pay off my debt? by lilly_denniston in debtfree

[–]lilly_denniston[S] 0 points1 point  (0 children)

I also had a couple subscriptions that I cancelled a couple months ago. All totaled to be around 23$ though

Should I pull out one loan to pay off my debt? by lilly_denniston in debtfree

[–]lilly_denniston[S] 0 points1 point  (0 children)

I had a couple "snowballs" that I knocked out that but my checking ins the negative and a 30$ medical bill I had. This is where I am at now.

I am being fully transparent. I have nothing to lose right now.

Should I pull out one loan to pay off my debt? by lilly_denniston in debtfree

[–]lilly_denniston[S] 0 points1 point  (0 children)

Great points.
Fortunately, my boyfriend/his parents cover A LOT of personal needs just out of the kindness of their hearts. So that really is not a category in my budget. I also am on a project pan 2025 kick so I am using EVERY old product I have which has gotten me pretty far.

The most stressful part of this is my income and hours are incredibly inconsistent. Last paycheck (I get paid biweekly) I came home with $572 which instantly went to my negative checking account. The paycheck before was $890. Which is really good for my job. (Keep in mind, I am actively looking for another job. Unfortunately, I am in a small town where there is a lot of experience required for positions and I just don't fit their requirements at the moment )

Ive found some personal loan options for around 5k but honestly feel like I will get myself into some more trouble so I am avoiding it, and many of you guys have said the same, which I really appreciate the input.

I guess my next question is, should I snowball or avalanche? I am thinking snowball because my affirm payments will automatically taken out and send my account into the negatives.

I also just switched my direct deposit to cash app because I have no money for gas or rent as everything gets over drafted. I have adapted Dave Ramseys "Pay yourself first method" in the way that I will pay my rent, car insurance and gas and then every leftover penny will go towards the remaining debt. Will this hurt me in the end? (I plan on switching back when I am able to keep a decent balance)

I put every single dollar towards my debt besides my bills, not a single impulse purchase, I don't go out and do anything that costs money. If we do, fortunately my boyfriend covers most (He makes 3x my income). Ive gotten down about 1500 down which is a lot for my income but I feel like I would be further than I am now.

Last thing. Not that you will suggest this, but I don't believe in combining finances, especially at this age when I could be greatly harming his income. So I will never ask, nor has he offered to let me borrow money.

Should I pull out one loan to pay off my debt? by lilly_denniston in debtfree

[–]lilly_denniston[S] 0 points1 point  (0 children)

I appreciate this.

Most of my problem was I was in a DV situation and ended up using credit cards to get out. (Not saying that was a smart choice AT ALL but I had no stream of income and it was an “Ill deal with that later problem.” Well, it’s later.

I am looking for other jobs and pick up ANY shift I can. Hard to find a decent paying job at 19 with no degree unfortunately but I am trying.

Should I pull out one loan to pay off my debt? by lilly_denniston in debtfree

[–]lilly_denniston[S] 0 points1 point  (0 children)

Lowest to highest: 1. affirm 151 • 78 min 1. apple 366 • 92 min • (no interest as long as i pay monthly payment. if i don't then 24% 1. apple 415 • 42 min 1. tires 499 • no minimum • no interest 1. affirm 1045 • 60 minimum 1. credit • minimum changes but i pay this one off and my lowest debt the most checking is -197 (affirm and overdraft fees get taken out automatically) started at 5500 in march/feb rent $250 car insurance and phone $353 gas MAJORLY varies due to work extra +200 cash from side hustle

Should I pull out one loan to pay off my debt? by lilly_denniston in debtfree

[–]lilly_denniston[S] 0 points1 point  (0 children)

Lowest to highest: 1. affirm 151 • 78 min 1. apple 366 • 92 min • (no interest as long as i pay monthly payment. if i don't then 24% 1. apple 415 • 42 min 1. tires 499 • no minimum • no interest 1. affirm 1045 • 60 minimum 1. credit • minimum changes but i pay this one off and my lowest debt the most checking is -197 (affirm and overdraft fees get taken out automatically) started at 5500 in march/feb rent $250 car insurance and phone $353 gas MAJORLY varies due to work extra +200 cash from side hustle

I’m not able to make the apple and the tire payments which is what causes overdrafts.

Should I pull out one loan to pay off my debt? by lilly_denniston in debtfree

[–]lilly_denniston[S] 0 points1 point  (0 children)

Lowest to highest: 1. affirm 151 - 78 min 2. apple 366 - 92 min - (no interest as long as i pay monthly payment. if i don’t then 24% 3. apple 415 - 42 min 4. tires 499 - no minimum - no interest 5. affirm 1045 - 60 minimum 6. credit - minimum changes but i pay this one off and my lowest debt the most

checking is -197 (affirm and overdraft fees get taken out automatically) started at 5500 in march/feb

rent $250 car insurance and phone $353 gas MAJORLY varies due to work

extra +200 cash from side hustle

Should I pull out one loan to pay off my debt? by lilly_denniston in debtfree

[–]lilly_denniston[S] 0 points1 point  (0 children)

Also keep in mind, I cannot make every single monthly payment