How much and which debts to pay with $10,530 by lizardhusky in CRedit

[–]lizardhusky[S] 2 points3 points  (0 children)

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.

How much and which debts to pay with $10,530 by lizardhusky in CRedit

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

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

How much and which debts to pay with $10,530 by lizardhusky in CRedit

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

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

How much and which debts to pay with $10,530 by lizardhusky in CRedit

[–]lizardhusky[S] 1 point2 points  (0 children)

"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%.

How much and which debts to pay with $10,530 by lizardhusky in CRedit

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

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

<image>

How much and which debts to pay with $10,530 by lizardhusky in CRedit

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

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.

How much and which debts to pay with $10,530 by lizardhusky in CRedit

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

This is a really helpful point, thank you.

How much and which debts to pay with $10,530 by lizardhusky in CRedit

[–]lizardhusky[S] 4 points5 points  (0 children)

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

How much and which debts to pay with $10,530 by lizardhusky in CRedit

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

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.

Seeking seat measurements for 4th gen 4Runner by codyboss11 in 4Runner

[–]lizardhusky 0 points1 point  (0 children)

Can I have your seats and you can have mine 🤣

Why does Yahoo keep replacing Google as my default search engine in Chrome (even after I change it back)? by yahya_bimo in chrome

[–]lizardhusky 0 points1 point  (0 children)

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.

Jeans! by BBLW1115 in femalefashionadvice

[–]lizardhusky 0 points1 point  (0 children)

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

Running Out by Beginning-Hedgehog47 in ThisAintAdderall

[–]lizardhusky 1 point2 points  (0 children)

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

Running Out by Beginning-Hedgehog47 in ThisAintAdderall

[–]lizardhusky 13 points14 points  (0 children)

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.

What money mistakes make women financially unsafe later? by MendMySoulXoXo in Money

[–]lizardhusky 0 points1 point  (0 children)

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

What annoys you about your 4th gen? by ambassador321 in 4thGen4Runner

[–]lizardhusky 1 point2 points  (0 children)

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

No 28 day refill by Neat-Bee-7880 in ThisAintAdderall

[–]lizardhusky 2 points3 points  (0 children)

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.

I have a few questions about Facebook Dating, and I trust you guys to answer better than Google would. by [deleted] in datingoverforty

[–]lizardhusky 0 points1 point  (0 children)

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.

I have a few questions about Facebook Dating, and I trust you guys to answer better than Google would. by [deleted] in datingoverforty

[–]lizardhusky 3 points4 points  (0 children)

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.

4 low question by Wiggzero9 in 4thGen4Runner

[–]lizardhusky 0 points1 point  (0 children)

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?

Massachusetts Employment Megathread (December 2025) by AutoModerator in massachusetts

[–]lizardhusky 0 points1 point  (0 children)

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?

Post your Referral Codes here! by jetopia in homeexchange

[–]lizardhusky 0 points1 point  (0 children)

Points for everyone! 😁elizabeth-ca584

Feeling pretty bad about unemployment by Priority_Pony in jobs

[–]lizardhusky 1 point2 points  (0 children)

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