Card is 4100 at 22 percent, car loan is 9800 at 6 percent with four years left. Income is stable, no other debt, and I have about 800 in savings. The 300 a month is genuinely spare after everything including a small…
Built it to 2000 three separate times over two years. Gone on two new tyres, a flight for a family thing, and a laptop when mine died. All of those were real and I do not regret any of them, but I am now two years in…
Cleared 2300 on a card I had had for nine years, then closed the account because I did not want the temptation. Two weeks later the score is down 19. Everything else is the same, no missed payments ever, one other card…
First time buying, and the estimate has an origination charge, prepaid interest, and something called an escrow or impound reserve. When I ask, I get told they are standard. I understand they are standard, I want to…
Six weeks in and I have 340 put away against monthly essentials of about 1450. At this rate it is roughly six months, which feels absurd for what everyone describes as the easy first step. Not looking for encouragement…