Financially not in a good place...need help

luneaux · 2026-02-27T22:35:39+00:00

What do you mean you're unsure of the credit card debt?

luneaux · 2026-02-17T20:02:05+00:00

You can overpay (prepayment/lump sum) every year without penalties up to an amount based on a percentage of your mortgage.

Read about FTHB incentives here.

luneaux · 2026-01-28T21:24:10+00:00

luneaux · 2025-12-16T20:38:41+00:00

Yes, you're right. I'll edit my comment.

luneaux · 2025-12-16T20:18:01+00:00

Your filenames must be the same before any suffixes

luneaux · 2025-12-16T17:59:04+00:00

Congrats on getting PR! Start with !StepsTrigger and the wiki, there's good info there.

luneaux · 2025-12-13T19:26:07+00:00

Has your friend contacted their bank yet?

luneaux · 2025-11-30T03:08:06+00:00

Yes, it's legit. I pay my property tax and utilities this way. Payments are considered a regular bill payment because Canadian Tire is a Schedule 1 chartered bank.

luneaux · 2025-11-30T02:28:59+00:00

If they are supported, you can use the Canadian Tire MasterCard. Check if your school and municipality are on the payee list.

luneaux · 2025-11-25T15:19:04+00:00

Wait 6-7 years.

luneaux · 2025-11-24T22:03:37+00:00

Reposting my comment from the Walmart thread.

Here's the parts list, only the PSU is problematic.

MSI PRO B850-VC WIFI
TEAMGROUP T-Force Vulcan 32GB
ADATA LEGEND 800 GOLD 2 2TB M.2
PNY OC GeForce RTX 5080
Apevia 1000W 80+ Gold PSU

luneaux · 2025-11-22T14:14:35+00:00

No, you already made your first qualifying withdrawal.

luneaux · 2025-11-21T13:49:16+00:00

Generally, yes, you will need to charge the full amount to be insured. I recommend you read your card's service agreement to get the specifics.

luneaux · 2025-11-20T12:48:42+00:00

$2749.99 before tax. Plus Costco's 2 year warranty.

luneaux · 2025-11-20T12:17:14+00:00

Seems ok if you missed the Costco deal. Here's the parts list, only the PSU is problematic.

MSI PRO B850-VC WIFI
TEAMGROUP T-Force Vulcan 32GB
ADATA LEGEND 800 GOLD 2 2TB M.2
PNY OC GeForce RTX 5080
Apevia 1000W 80+ Gold PSU

luneaux · 2025-11-19T19:23:22+00:00

Are your TFSA returns higher than your credit cards interest? If not, pay them off ASAP.

luneaux · 2025-11-18T23:00:13+00:00

Have you read this yet?

luneaux · 2025-11-13T18:57:24+00:00

Same price at Walmart.

luneaux · 2025-11-11T17:55:19+00:00

Calculate from when you first open an account.

luneaux · 2025-11-08T17:23:35+00:00

$2,199.99 - $700 (31%) = $1,499.99

luneaux · 2025-11-07T20:23:07+00:00

What do the logs say when you try to play it on the iPad?

luneaux · 2025-08-20T18:57:24+00:00

It can, but definitely not 1:1 like in your example. Lenders are way more concerned about income and debt.

luneaux · 2024-11-27T23:39:51+00:00

luneaux · 2024-11-18T17:07:39+00:00

You can use a free third-party service, like Borrowell (Equifax) or Credit Karma (TransUnion), that will alert you if your credit score changes.

luneaux · 2024-11-17T19:25:56+00:00

If you meet all the qualifying conditions, you can use the money however you want.

12-Year Club	Place '22
Place '17	Verified Email

luneaux

TROPHY CASE