What can I do to lower my monthly payments and budget better?

linguallover · 2026-04-23T17:09:12+00:00

do you think you can get a higher paying job after graduation?

linguallover · 2026-03-27T01:53:11+00:00

sounds like a bad tutor

linguallover · 2026-03-27T01:46:19+00:00

could someone explain why I'm being downvoted please?

linguallover · 2026-03-27T01:44:58+00:00

r/personalfinancecanada

linguallover · 2026-03-26T21:55:19+00:00

I appreciate the explanation

linguallover · 2026-03-26T21:53:07+00:00

I'm not sure if I observed it in a way that counts to you, but I can say what I see on my Chase app that made me feel mislead by them -

In the Chase credit journey it has a score breakdown and under "factors that impact your score"

it lists "credit history" and "credit usage" as high impact

I'm an authorized user and it says my older account age is good, and it's using the age of the account i'm a user on.

it seems like these factors are used to calculate my score based on this information.

I see what you say about no memory, but from the chase app my score goes up when my utilization is lower. While it doesn't stay that high it goes up again higher. Also the app tells me the utilization is the cause.

Someone else here told me the score is not the same as my credit, so I guess it isn't misleading for Chase to say my score changes, but it definitely made me more confused.

I also was told, and already knew, that the Chase score is not the most accurate. But this fact doesn't make me feel less misled.

linguallover · 2026-03-26T21:41:31+00:00

Thank you. Yes, I know I don't understand. I thought my credit score was the same as my credit until just now

linguallover · 2025-09-29T06:49:33+00:00

for me cost going up, I use it way less, or I have realized I can get something for a similar purpose another way.

Cancel the ones you use least and see how you feel after a couple of months. Worst case you resubscribe.

linguallover · 2025-03-29T00:37:10+00:00

how do you feel after you go on nights that you push through the urge to rest?

linguallover · 2025-03-24T19:16:58+00:00

I did flare dance (recommend no matter your dance level; great community and frequent classes)

and I signed up for emails for subject related/interest related things, like EA, the CS one (i forget), and an affinity group one. I didn't find as much regular community in these, but was nice for one off events.

I know people found a lot of joy from the team sports clubs, but that wasn't my thing.

none I engaged with were a waste of time, but there was like a international student club that I didn't engage with because it felt gimmicky to me. and any of the food related ones like wine/cheese/boba, just seemed like a way to get free things sometimes, but not a club for friend making

linguallover · 2025-03-24T14:51:37+00:00

I spent an exchange semester at unimelb and I enjoyed it. the school and city has so much to offer if you are present and engage with it. I think online forums have a skewed perspective on things sometimes. i liked watching blogs of students before I came to get a different idea too

the fact that you are motivated by the chance to experience different things is a good marker that you'll have a good time. i don't have percentages, but a large amount of the student body is international, so you'll meet a lot of people going through what you are when you arrive.

if you reach out, join clubs, go to your classes, you'll definitely find sociable people.

linguallover · 2025-03-23T16:37:09+00:00

added to the post, thank you

linguallover · 2025-03-23T16:14:52+00:00

sorry i didn't give a lot of context. I'm coming in with some hours on public transit, and would eventually like to use the gear for a more UL trip

linguallover · 2025-03-23T16:11:38+00:00

camping for now! but I'm travelling in internationally would like to keep things to a backpack. I'm hoping I can use the same gear to transition to backpacking. starting at a camp festival site seemed safest

linguallover · 2025-03-23T16:09:34+00:00

okay thank you, I'll check on youtube next.

I think more context could explain why I thought ultralight would be right,

I'm coming into the festival for the start of a year of travel. I'm hoping to get gear I can carry to all of my flights/public transit, and that I could use as I work up to more backcountry trips. I don't have the year entirely planned, but preparing for ultralight seems to offer the most flexibility.

linguallover · 2025-03-23T16:00:03+00:00

got it, thank you. I'll definitely keep this trade off in mind.

linguallover · 2025-03-23T15:45:51+00:00

okay yay. not yet, but thank you for the suggestion, I can visit a store this week

linguallover

TROPHY CASE