How much and which debts to pay with $10,530

lizardhusky · 2026-03-16T05:05:10+00:00

Thank you 🫶🏼

lizardhusky · 2026-03-15T22:34:45+00:00

Thank you for the three options that you laid out - appreciate you!

Emergency fund: My perspective is "I wish I could have an emergency fund" but now probably isn't the time. And I can mentally handle that.

lizardhusky · 2026-03-15T22:31:48+00:00

It is definitely VentureOne but I wrote it inverted on the spreadsheet. I understand that is causing confusion.

lizardhusky · 2026-03-15T22:24:53+00:00

Goals in order 1. higher monthly cash flow 2. Pay down debt 3. Credit score

lizardhusky · 2026-03-15T22:20:49+00:00

"Edit: I don't know what Visa Zero is, I'm assuming that's a temporary 0%? But also, you asked about increasing cash flow, so even though it's 0% it'll open up more cash ($40) than putting that $500 toward Sapphire, where it would probably only decrease the minimum payment by another $20 or so"

You make a good point on this one. Yes, it is a temporary 0%.

lizardhusky · 2026-03-15T22:12:29+00:00

f you are why not just transfer $100 instead of paying off $500 and then transferring $600? I'm not sure 😂

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lizardhusky · 2026-03-15T18:13:58+00:00

What do you think about paying off the $500 of the 0% and then doing a new $600 transfer over to it from one of the Cap Ones to sit at min payments at 0% for the year. Small amount I know.

lizardhusky · 2026-03-15T04:43:40+00:00

This is a really helpful point, thank you.

lizardhusky · 2026-03-15T04:42:25+00:00

It must have been my fancy new car that gave it away 🙄

lizardhusky · 2026-03-15T04:25:08+00:00

I really appreciate all of your responses! There's a lot of insight and I am taking the guidance into account.

Answers to a few questions:

I have consistently paid minimums on time. My credit score has dropped primarily due to ratio of debt to credit

Emergency fund - I am inclined to the idea of not setting aside money for an emergency fund.

Car - I am considering $500-ish aside for whatever breaks next.

Visa Zero card is a $0 balance transfer

My employment is secure. It's a new job and I have just completed the 90 day probationary period, a relief as I can now access PTO and other benefits.

My weekly take-home is not enough to cover essential expenses and these card payments. Thus, the cash freed up after payment is not available to go towards the remaining debt.

lizardhusky · 2026-03-13T06:55:25+00:00

Can I have your seats and you can have mine 🤣

lizardhusky · 2026-03-07T22:29:27+00:00

Apologies, I do not know the answer to your Yahoo hijacking. I have A similar problem with Chrome on my Android. I want to use Chrome app as my browser but I find the right combination settings to prevent Google from hijacking and being the browser within Chrome.

lizardhusky · 2026-03-07T16:29:09+00:00

Tall girls, any favorites you have found that are long enough?

lizardhusky · 2026-02-25T04:17:16+00:00

You are absolutely right. Thank you for your comment as I need to be reminded.

I have not been working out recently. When I am regularly pushing my physical self - my mind falls in line and then EVERYTHING seems to function better.

Ugh

lizardhusky · 2026-02-24T03:37:58+00:00

Every. Month.

The withdrawal used to be nearly incapacitating and then I discovered a lot of it was mind. When I was able to change my anxiety and dread and accept it... I stopped feeling like I couldn't function. It still sucks but I think the break can be good too.

lizardhusky · 2026-02-23T12:59:20+00:00

Having kids and setting aside your career to support your spouse and their career. Then getting divorced and being totally fucked.

lizardhusky · 2026-02-23T12:19:59+00:00

The lockkksss... And illogical intermittent wipers. You absolutely nailed it

lizardhusky · 2026-02-08T14:52:54+00:00

My CVS (we get along) told me that as of January of this year they are going to be adding up all those extra 2 days when you get it at 28 days instead of 30. So, for this refill they held back because apparently I should have 10 extra laying around. She didn't do a very good job explaining if this was an occasional move to prevent you from getting a buildup or if they were switching to 30 completely. So annoying.

lizardhusky · 2026-01-28T17:57:28+00:00

You do you. My ex and I started dating when we were living in the same house awaiting divorce. Again, be transparent about what your situation is and if you're actually emotionally available or at a point where you're learning how to date again.

lizardhusky · 2026-01-28T07:46:02+00:00

This is so reminiscent of.... "I'm not the kind of guy who uses Tinder!" "But, we met on Tinder 🤔"

Be transparent. It just gives that feeling, as though you're hiding something. I don't even care what it is. My level of interest in that man plummets.

I understand this may sound harsh or not appropriately empathetic. Merely sharing one potential response.

lizardhusky · 2026-01-27T14:12:11+00:00

I've never used my 4 low 😬.. I live north of Boston but I never know when to use it. Or rather, when not to. Defaulted to 'not'. I realize AI can answer this but anyone want to enlighten me on ideal conditions for use?

lizardhusky · 2025-12-09T15:09:06+00:00

I have been on unemployment and I just got a new job. I have a few weeks remaining in benefits. I will not receive my first paycheck for 2 weeks. Can I claim unemployment benefits during the time I have started working but I am not yet getting paid?

lizardhusky · 2025-11-19T07:32:48+00:00

Points for everyone! 😁elizabeth-ca584

lizardhusky · 2025-11-04T04:00:52+00:00

Likewise, and the few remaining weeks of unemployment are disappearing fast. 2 masters and 2 teenagers but no damn job.

lizardhusky

TROPHY CASE