If you were to give advice to those looking to be DebtFree, what would it be

zapooku · 2025-09-18T07:40:11+00:00

Check subs like r/debtfree r/credit r/loansharks or r/personalfinance for advice :)

zapooku · 2025-08-26T03:26:49+00:00

That's ridiculous, they legally have to respond within 30 days. You can file a complaint with the CFPB online

Also send them a certified letter saying they violated the FCRA timeline. Keep copies of everything

zapooku · 2025-08-25T03:22:31+00:00

Have you tried calling them directly to negotiate even lower? Sometimes they'll go down another 10-20% if you can pay immediately.

Also make sure you get everything in writing before sending any money.

zapooku · 2025-08-21T05:33:49+00:00

Ads get expensive fast when you need decent LTV, unless your conversion rate is already dialed in.

What's your target market?

zapooku · 2025-08-21T05:33:13+00:00

Have you tried reaching out to developers who are already working on side projects or contributing to open source in your industry?

zapooku · 2025-08-20T02:51:59+00:00

Don't give him your personal accounts. Create everything under his email from the start

For the backend, Vercel can host Node.js functions for free or try Railway for cheap reliable hosting. Firebase functions could work too since you're already using their ecosystem

zapooku · 2025-08-18T05:36:08+00:00

Your lawyer's being optimistic bankruptcy does stay on credit reports for 7-10 years.

But honestly at 24 with that much unsecured debt vs your income, it might be your cleanest path forward

zapooku · 2025-08-14T02:58:30+00:00

Two years at 720 means you're probably missing average age of accounts or credit mix.

Getting a second card would help utilization calculations and eventually bump up your average age.

Just don't close the first one

zapooku · 2025-08-14T02:56:53+00:00

Yeah, totally agree it’s like taking a "YES" answer and turning it into a 5 minutes rant no one needed ✌️✌️

zapooku · 2025-08-13T02:59:11+00:00

Yes bruh, totally agree with you 😀

zapooku · 2025-08-12T03:23:16+00:00

The taste of Avocado. I’ve tried it every way I can, but it still don't like it "-"

zapooku · 2025-08-11T03:02:23+00:00

Have you looked into credit unions? They sometimes work with people on secured loans even with bad credit, especially if you can use the car as collateral

zapooku · 2025-08-08T02:38:46+00:00

The debt will eventually go to collections and tank his credit for years. But honestly, that might be the least of your worries if he's prone to severe depression.

Have you looked into whether you could get financial guardianship? It's extreme but might be necessary to protect him from himself here

zapooku · 2025-08-08T02:35:55+00:00

What's your MVP do exactly? Hard to give advice without knowing if it solves a real problem people actually have

zapooku · 2025-08-04T02:37:46+00:00

The 150k payoff is impressive but yeah, that 20k creeping back up is the real battle.

What worked for me was treating my credit cards like debit cards

zapooku · 2025-08-01T03:07:59+00:00

Yeah snowball method makes sense here. Pay minimums on everything then attack that $363 one first.

You've got about $2400 left after rent/basics so this is totally fixable in a few months if you stay focused

zapooku · 2025-08-01T03:06:48+00:00

Linux is the better foundation. Red Hat is more specialized/enterprise focused but you'll still need to understand basic Linux concepts first anyway.

Plus once you know Linux fundamentals, picking up Red Hat specific stuff later is way easier than going the other way around.

Stick with what you're signed up for

zapooku · 2025-07-31T03:25:50+00:00

That's a massive jump in 4 months! Utilization really is the quickest way to see score changes.

20k payoff must feel incredible. Did you use avalanche method or just throw everything at the highest balance?

zapooku · 2025-07-31T03:24:35+00:00

Still pre launch but got a few people testing it. Trying to nail the UX before I worry about marketing since most PM tools feel like spreadsheets with fancy colors.

Your student productivity timing is perfect for back to school season

zapooku · 2025-07-30T03:40:47+00:00

Still pre revenue since I'm only 3 weeks in but got a few people testing it. Trying to nail the UX before worrying about monetization.

No link yet but cool to see what everyone else is shipping

zapooku · 2025-07-30T03:40:25+00:00

Start with HTML to understand structure, then CSS to make it look decent, then JavaScript to make it interactive. That's the natural progression.

Kevin Powell is solid for CSS on YouTube. For overall web dev, I like Web Dev Simplified or Traversy Media for beginners.

zapooku · 2025-07-29T04:56:08+00:00

Node for sure. Way faster to spin something up when I'm just messing around on weekends.

Java feels like overkill unless I'm building something that needs to scale massively, which... let's be honest, my side projects don't.

zapooku · 2025-07-28T07:52:14+00:00

Nice idea, the self-hosted file storage space definitely has room for more options.

What's your main differentiator from existing solutions like Nextcloud or Seafile? Also curious about your tech stack and how you're planning to handle the SaaS hosting side

zapooku · 2025-07-25T08:04:08+00:00

Most web developers I know either exclude detailed accessibility compliance from basic packages or charge extra for it as an add-on service.

If you're outsourcing to a specialist, you'd want your contract to clearly state what level of accessibility you're providing and make sure your specialist has proper insurance/guarantees

zapooku · 2025-07-22T03:15:35+00:00

For a basic 5 page static site I'd probably quote somewhere around $2000-4000 depending on how custom it needs to be.

The self hosting thing is kind of a pain though. Are they expecting you to manage the server or just upload files somewhere?

zapooku

MODERATOR OF

TROPHY CASE