#car loan refinancing

[carparloan]

[bestandfree]

Can you refinance a car loan with the same bank

Can you refinance a car loan with the same bank

Can You Refinance A Car Loan With The Same Bank If you want to refinance your car loan with the same bank, you’ll first need to determine how much you can borrow. Car loans typically have variable interest rates, which means that the interest rate can change over time. If you have a good credit score, your interest rate may be lower than if your credit score is lower. When refinancing, be sure…

[kentuckybats]

How to handle a Repossession on a credit report for FHA Loan Approval?

Tags: bad credit fha loan, collections fha loan, Credit score, FHA loan, fha mortgage car repo, fha mortgage loans, First-time buyer, Kentucky, louisville, Mortgage, Mortgage loan, Refinancing, repossession car FHA loan approval, USDA, VA loan, va mortgage and car repo, Zero down home loans Repossession on a credit report for FHA Loan Repossession on a credit report for FHA Loan

[triplemfinance]

The Process of Refinancing a Home Loan

The process of refinancing a home loan is similar to the initial mortgage loan approval process, though often easier and faster. Borrowers will go through the same underwriting steps to verify things like income, debt burden and credit history. Once approved, the lender will offer specific loan terms and repayment options to choose from.

During the mortgage refinance process, you'll replace your current loan with a new one that can come from the same lender or a different one. The new loan will take the place of your existing mortgage, and you'll be bound by the terms of the new contract until it is repaid in full. This is a big commitment, so it's a good idea to make sure you can comfortably afford the monthly payment.

You may be able to get a better interest rate on your loan or shorten the term of your mortgage to reduce the total amount of money you'll pay. You might also opt to do a cash-out refinance and withdraw equity in your home. Refinancing can be a great way to improve your financial situation, but it's important to consider all of the costs involved before proceeding. Ideally, you should only refinance if the monthly savings from the lower interest rate will offset the fees paid to close the loan.

A key part of the process refinancing a home loan is a thorough home appraisal to determine your property value. Lenders will need this to make sure you're applying for a sufficient loan amount based on your home equity and the new terms of your mortgage. Depending on the lender, the appraisal could be automated or performed by an in-person professional.

In addition to an appraisal, you'll have to supply your lender with a comprehensive portfolio of documents. This includes things like proof of income (W2s, tax returns and paycheck stubs), bank statements and a list of assets and liabilities. It's a good idea to gather these documents before starting the refinance application, so you don't have to resubmit them later. It's also a good idea to shop around with several lenders to find the best deal and minimize the impact on your credit.

Once you've provided all the required documentation and completed a home appraisal, you'll go through underwriting, which can vary between lenders. The underwriter will review your documents and verify everything from your credit report to the amount of equity you have in your home. Underwriting can be quick or it can take weeks, depending on the lender's volume and the complexity of your application.

Once your mortgage refinance loan is approved, you'll be able to finish the closing process and start making payments on your new loan. Before you close, however, be sure to familiarize yourself with your lender's disclosure document — the Closing Disclosure. This document will outline all of the important details and costs related to your new mortgage loan, including the loan term, interest rate, monthly payment, fees, real estate taxes and more. The document will also include a three-day period during which you can back out of your loan.

At Triple M Finance, our experience and a wealth of industry connections allow us to assist you with your application from start to finish and make the process simple. We take the time to get to know each and every client’s indvidual needs and circumstances to ensure we provide you with your ideal financial solution.

[curlycue216]

The good news: i paid off my car today.

The bad news: the money that WOULD have been used to continue my car payment had i decided to continue doing monthly payments instead of just paying off the last 2 grand in one go, now gets to go to my student loans.

Eventually, I will be debt free!

[montayfinance]

How to buy a used car?

Arguably, after a home or land, a car is the second biggest investment anyone will make in their life. Also, as a depreciating asset, it is not an easy decision to make. Let me try to make the car-buying process easy. I have been selling cars for over a decade, and I can tell you that it is not an easy decision to make for most customers. It’s not only the limited product-knowledge but spending their hard-earned money on a depreciating asset and they have to choose from over a million options. Here are a few tips to prepare yourself before entering any used car showroom and make sure that you drive out with the right car. I call it a five-step process for buying a car:

Usage/Shape – You need to ask yourself,     “what do I need the new car for?” Some people buy it as their first car or     a second car, for dropping kids to school, buying groceries, for a commute     to the office, etc. Remember, if you try to kill two birds with one arrow,     chances are that you will end up buying a car that you will come to regret     soon. For example, you need a 7 seater car thinking that you have some     guests coming next month or need extra seats occasionally, and at the same     time, you need this car to go to office daily. Yes, it serves both     purposes; however, sooner or later, you will hate using that car to go to     the office as it is too big or consumes a lot of fuel in traffic, etc. There     are many similar scenarios

Colour – It sounds like an     unconvincing factor, but it is imperative as most car-buying decisions are     emotional. I suggest you keep your options open by deciding what colour     you would NOT buy. Yes, you read it right. Eliminating the colours that     you do not like will give you a few options to ponder upon, and you will     have a better list of cars to choose from

Fuel consumption – With the rising cost of     fuel and Government’s initiatives to reduce CO2 emissions globally, you     need to choose a car that solves the purpose and does not hurt your pocket     at the same time. Remember, the best comfort and luxury comes at a price.     You will notice that the most comfortable and stylish cars commonly come     with a bigger engine. If you compare the prices, they are not much     expensive than most economy cars. The reason is simple, you can buy that     high-end luxury car at a reasonable price, but keep paying the high fuel     bills for the following years. I am not demotivating you from buying those     cars, but do your math before making a commitment. Once you have made a     choice based on the fuel consumption, your list has further narrowed down     to a finer selection

Safety – Checking the safety rating     before buying a car is increasingly becoming crucial. Government charges     you less road user charges if your car has better safety ratings as it     reduces the chances of accidents and fatality as well. Always ask for the     safety ratings of the car from the seller or do your own research at https://rightcar.govt.nz/ Better safety ratings of the car not only saves     you in an accident, but avoids accidents altogether. There is no harm in     paying a little more for the safety of your family and yourself

Budget – Most people will argue that     this should be the first criteria for selecting the vehicle, but if you     have followed the first four steps thoroughly, most of the filtered     options will fall into your budget or at least they will give you an     estimate on what your budget should be. Remember, you have to be     reasonable at this. Do not expect everything for nothing. If you are a     cash buyer, then your budget will be a figure for the car; however, if you     want to finance the car then work out on the weekly budget. For more     information on financing, keep following my blogs or contact montayfinance.co.nz

For Original Website:

https://www.montayfinance.co.nz/how-to-buy-a-used-car/

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Credit and Credit Cards

Understanding credit

Dafuq Is Credit and How Do You Bend It to Your Will? 

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash?

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

Ask the Bitches: What’s the Difference Between Credit Checks and Credit Monitoring? 

When (And How) To Try Refinancing or Consolidating Student Loans

Season 3, Episode 7: “I’m Finished With the Basic Shit. What Are the Advanced Financial Steps That Only Rich People Know?”

Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name 

Using credit

How to Instantly Increase Your Credit Score…For Free 

How to Build Good Credit Without Going Into Debt 

Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt 

Season 1, Episode 3: “My Parents Have Bad Credit. Should I Help by Co-signing Their Mortgage?” 

Season 3, Episode 2: “I Inherited Money. Should I Pay Off Debt, Invest It, or Blow It All on a Car?”

Season 2, Episode 2: “I’m Not Ready to Buy a House—But How Do I *Get Ready* to Get Ready?”

Credit cards

A Hand-holding Guide To Getting Your First Credit Card 

63% of Millennials Are Making a Big Mistake With Credit Cards

Let’s End This Damaging Misconception About Credit Cards

The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche

Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick 

Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?” 

Here’s What to Do With Those Credit Card Pre-approval Offers You Get in the Mail

We’ll periodically update this masterpost as we continue to write tutorials and answer questions on credit. So if there’s anything you’re confused about, keep the questions coming!

And if we’ve helped you increase your credit score or pay off your credit card debt, consider tossing a coin to your Bitches through our PayPal. It ensures we can pay our lovely assistant and keep bringing you free articles and episodes like those above.

Toss a coin to your Bitches on PayPal

[lmaonade]

god. my fucking car payement got taken out twice again this month. they're refunding the second one, but it's literally a 20 day process. i need help clearing the negative, i don't get paid until next week. im refinancing my loan next month and this should not happen ever again. thank you for all the help i've already gotten and i'm sorry to ask for more but this is urgent

paypal

[kn-1013]

reigen definitely strikes me as the kind of guy who wants to take care of everything, and i think it's largely because he doesn't have any adult friends. even when serizawa comes in, serizawa is an adult but he doesn't know how to do a lot of adult things because of the way he lived for so long before working for claw and then working under reigen. i don't think he understands how insurance works, or credit, or taking out a loan, or refinancing your car or a mortgage or any of that shit.

because of this, he really does see himself as The Responsible Adult in most situations, so he takes care of everything. because once again, 99% of his friends are the gaggle of teenagers that mob brings around, *of course* they don't understand insurance, they're like 14 years old *max*.

he sees himself as The Responsible Adult, leading to situations like what he was trying to do with the members of claw before mob accidentally transferred his powers to him--he was trying very hard to leave the kids out of it so they didn't have to deal with these grown-up freaks, because he knows damn well kids shouldn't have to deal with things like this, of course adults should be more responsible than this. and that's another reason he tried to get mob and everyone to run away, even if that was nowhere near a viable option for them.

this is part of what draws me to reigen, the way he switches in and out of situations, what makes him such a multifaceted character.

to himself, he's a responsible adult, or an adult that should be more responsible because he's an adult. he's also a liar, a conman, a cheat. i don't think he genuinely sees himself as a good role model. he probably views himself in a shade of grey, but closer to the black side. i think he carries a lot of guilt and shame for that, and he tries to make up for it, but it never feels like enough to him.

but to mob, he's a person who made some mistakes because he wanted to put food on the table and do/be something interesting, because he doesn't realize how cool he is without having to lie. he's also, despite that, both smart and wise and can be so genuine when he's trying to motivate mob. he's an amazing teacher, not necessarily for his psychic powers, but more so for guiding and leading mob through life when he struggles to understand people and social situations and can be gullible and anxious.

to the former members of the seventh division of claw, he is one of the most powerful psychics in the entire world, who is just as wise as he is powerful, with the kinds of perspectives on life that they couldn't even comprehend. he's someone that deeply humbled them and their childish dreams of world domination, motivating them to strive to be better people, to get involved in their communities instead of chasing after nonsense, helping them realize they're no better than anyone else. that if they're nothing without their powers, then what are they really?

to serizawa, he's one of the guys that helped get him out of claw and into the real world, where he and mob showed him that while his former boss helped him, he wasn't a good person. to serizawa, he's smart. despite being a conman, reigen is someone that serizawa can look up to. even if their methods are somewhat fraudulent, serizawa now has the power to make up for past pain he's caused by helping everyday people with their everyday problems, and even their not-so-everyday problems, and that can get him out of bed in the morning with confidence. to serizawa, reigen was one of the first real friends he's ever had.

reigen definitely doesn't see himself the way that other people see him.

edit: undoubled the last bit T0T

[briarpatch-kids]

Do you have a tag specifically for the homeowning/getting a home while disabled type posts? Me and my partner really need a place to live, but we can't afford average rent of 800-1000 and my last job left me "more" disabled (heart problems and spine made worse) so now only one of us can work entry jobs, any info on it helps so much.

I don't, I'm sorry but I'm really bad at tagging. I'm always happy to answer any questions though.

When we first bought our house at 100k, the mortgage, including taxes and fees, was $574 a month and we needed to pay about $6500 in fees when we bought it. My credit sucked at the time, so we originally had my husband only on the loan and I think he was making about $12 an hour full time.

When we refinanced, I had fixed my credit and he was making $15 an hour, and the house raised enough in value that we were able to borrow $85k, which raised our mortgage to $1000 a month including taxes and fees, but we used that money to pay off debts and buy a car and get a new roof, cedar siding repaired, all the outgoing plumbing redone, and the house painted, along with a bunch of other stuff we needed so it was worth it and we could afford the payment. Unfortunately we had someone in the house who used us and a significant chunk of the money went to that person, but that means a lot more could be done with that money in different circumstances and you should consider that too.

Now we're kind of slowly doing cosmetic things like tearing down 4+ layers of wallpaper and removing carpet and painting it candy box colors as we can afford to. A $30 gallon of paint here, a box of plaster patch there... it's a bit embarassing when people see it under construction, but the young couple spending decades restoring a broken old house is kind of a type of Guy so it's more socially acceptable than I thought.

[fundrraustralia]

https://fundrr.com.au

Business & Personal Loans | Mortgage Broker - Fundrr Australia

Fundrr Australia offers a wide range of financial solutions, including consumer car loans, commercial car loans, personal loans, refinancing options, insurance, and more.

[thedeviljudges]

ok so maybe a tl;dr kinda post. it's me just writing down my thoughts about the apartment stuff.

tagging @clawbehavior @technitango in case yall wanted an update too!!

so i technically started my apartment hunt last year when i thought i was moving, and while i did realy love two places (owned my the same company so the floor plans were the same) - mainly bc of the amount of light it had from window set up, for the amount of sq ft you got for the price, it just didn't and still doesn't make sense.

but with those in mind and also touring apartments with my friend who was planning to move in this month, there's been a lot to choose from. there's another apartment on my list that another friend lives at, but i think ultimately it's similar to the two above where the price you get for the space isn't the cheapest, especially for what i need.

which led me two the last two apartments i toured today. starting with the second one:

the price is fantastic for the space (ideally need a 2 bedroom or a 1 bed with den/study; i'm hybrid for work). the place was fine. gated and really close to a major area of shops. the biggest issue is the visitor parking - it's all at the front of the complex, and there's only about 25 spaces to which the leasing agent said they're full most of the time. i also didn't get the wow feeling with it. it was just okay. i really wish i would've loved it bc on paper, it would've been great.

but the first place we toured? it's the apartment that had a great unit for the perfect pricing that someone snatched up two days ago (that i posted about a few days ago), and i'm so upset about it because this place is perfect. that unit was a 1 bed with study, but there's no more available so my next option is a 2 bedroom. i can afford it, technically, but it also means with utilities, my car note and other expenses, i won't have much left over each month for casual spending, etc.

which isn't necessarily a bad thing. so many people are in that position right now given the economy. and this wouldn't be that expensive if i didn't have my car note - so my options are to suck it up and go for the space and just be extremely frugal for awhile - with the intention of moving my banking to a credit union and try to apply for refinancing there, which would hopefully lower my interest rate and loan payment on my car.

i'm also inclined to go for this space because i truly fell in love with it. it's exactly what i need; the community is great. it's gated and safe, and i love everything about it, and it's one of the only properties that i truly felt i could live there and enjoy it. i'm also someone that is very intuitive, and this just feels right - like deep down i think i know i won't really be that happy anywhere else. and i hate to hype it up so much bc i know i could move in and end up hating it, but i truly think this may be it?? i'm just so hesitant because of the price. i feel really stupid for even considering it because i feel like what i should be doig is being more sensible, find a smaller place and save money - especially bc if i go with the bigger unit, it also leaves me with not very much to put into savings.

i have a quote, but i've seen the prices online fluctuate, so i'm going to test my luck to see if it'll drop down to a lower rate. if someone nabs the unit before me, then i'll probably forfeit the need for a bigger space, go smaller and then see if i can move into a bigger unit the following year. i would hate to do that because i really want to separate my work from my personal space (this is a big deal for me given my last toxic work environment), and it's easier to do that with a den/study or two bedroom, but i really love the place enough to consider a year there with a smaller unit and then potentially move within the same complex. like, it will suck not having the space i want and not being able to completely remove work (my desk would either have to go in the living room or bedroom, and bc my desk is in my bedroom right now, that's also a big no. i highly do not recommend putting work where you sleep). but i think i could hold out for another year bc i think i'll just be excited to have my own space.

so that's where i'm at right now tbh. i think i'm set on the apt complex; now it's just choosing the unit.

*i should also note that if i got a 2 bedroom unit on the 2nd or 3rd floor, that would be cheaper. my ideal is the first floor bc i've lived on the first floor in my current place, and i'm so used to it. i could possibly do a 2nd floor unit since it'd be less stairs to climb, but it's also not ideal.

[tedoculus]

When you have a childhood friend that you've known since 1st grade and co-owned your high school friend group with and he is your exact opposite because he has a wife and a house and kids and two cars and he makes six figures and you know he probably has around $40,000 just sitting in a savings account in addition to his 401k and retirement portfolio and life insurance and you ask to borrow $1,500 so that you can know without a shadow of a doubt that when it's time to close the refinancing loan on the $40,000 second mortgage that your mother took out in 2017 with a 5 year term to pay off unsecured credit card debt and you have to pay the closing cost fees and current per diam interest which will be around $1,500 and if you don't have that cash on hand the loan won't be refinanced and the bank will begin foreclosure proceedings on the house where you and your mother and grandmother live but now because your friend loaned you that you know you'll definitely at the very least have the cash on hand to close the loan so that you don't become homeless because you finally found a medication that has fixed the problem you've been struggling with your entire adult life and you just need another 8 or 12 months to re-enter the workforce with your shitty resume that has multiple gaps longer than 12 months and when you asked if he had $1,500 just lying around like it was a joke and he said with full sincerity, "yes, I will send you that right now if it means your family not losing their house" and you are definitely not crying.

[many-but-one]

Going to add some things if OP doesn’t mind:

If you are in America or a place where college isn’t free, do your best to not take out private loans for college. Federal loans have very good repayment options, with payments even as low as $0 for people on low income. Private loans or bank loans do not and they will take you for everything you have. Refinancing private loans on a low income is nearly impossible as well.

If you live in America where credit scores exist (smh) DO get a credit card, but BE CAREFUL. If you are worried you’ll be impulsive with it, only use it for gas and pay it off every month when it is due. You *can* pay it off right away, but it actually is better for your credit score if you wait until the day your credit bill is due to pay it off. Having a high credit score will make it easier to take out loans for whatever comes up. Buying cars, sudden large expense that you can’t afford, getting an apartment, etc. On that same note, NEVER let the hospital convince you to take out a loan for medical bills. EVER. If you cannot afford your hospital bills, all public hospitals have programs where if you fill out how poor you are on some paperwork they can forgive a lot if not the entire thing. You CANNOT do that for a loan and if you don’t pay it, it will go to collections and if you don’t settle it with collections, the agency can garnish your wages and/or sue you and take you to court to pay the costs.

Food Banks are useful. Use them. You’re not “taking resources away from other people who might need it more.” Their funding is based on how many people use their services. More people take food, the more funding they get for more food/better food. A lot of places even have drive-up options so you don’t even have to get out of your car if you’re feeling embarrassed about it.

If you are wanting to make a big purchase on a non-necessity (like headphones, fancy clothes, a TV, or a new videogame, etc) save enough to buy it twice. You don’t *actually* have to buy it twice, but having the extra money saved will make it much less devastating when you finally go to pay for the thing.

Always have someone look over your resume for errors before sending it in. If you don’t have anyone you know who can help, job search places (physical locations, I mean) often have people who can help beef it up and make it sound good. Also, lie on your resume so long as you have the skills to back up said lies. (Don’t say you’re an astrophysicist if you don’t know shit about it. But like, tell them you did volunteer work at a place YEARS ago or if you know how to cook or serve tables, look up restaurants that closed down years ago and if it’s a place you could have worked, put it down. You can easily say you don’t have the manager’s personal number and if the place is closed, they won’t have any way to verify you didn’t work there. Restaurants are a great option because there’s often a high turnover rate in the restaurant business and it’s very unlikely that even if they DO find a way to try and verify you worked there that the manager would remember every employee that walked through their door. Try not to do this for family owned mom-and-pop type places though, they often hire people they know well and that might be hard to get away with.) Say you have Microsoft office experience even if you don’t. Googling how to do something in Microsoft office is easy peasy and they’ll never know unless they’re breathing down your neck. And if they are doing the latter, just say it’s been a while since you had to do a specific function and then move on. Doubtful they’ll fire you over that and if they do then they probably would have been a shit employer anyway.

Never start smoking or vaping. It is one of the hardest drugs to quit just by sheer availability alone, though I’ve heard testimony from multiple people that have used hard drugs (meth, cocaine, heroine, etc) who still smoke nicotine products because it’s so addictive and so easily and readily available basically anywhere. Similarly with alcohol. Nothing wrong with having a drink or a few for holidays or special occasions, but if you see yourself having more than five drinks a week, you are an alcoholic and it is important to get intervention as early as possible. If you’re non-religious or have religious trauma, I’d avoid AA. There are other, better programs out there for quitting alcohol and a lot of those go pretty heavy on the religious stuff.

Do not move in with a best friend or partner unless you know you have very solid communication skills. It’s the quickest way to lose a friend or break up. On a similar note, if you have a long term partner and are planning on getting married to them, live with them for at least a year or two before you get married. Living with someone is a quick way to see if you are ready for that level of commitment.

*Also* if you do get married, consider having two separate bank accounts and one joint account. This gives you better opportunity to get out if you have to get out. As well, if you keep only bill-related money in the joint account, personal spending money can be kept in the personal account. If they are overbearing about your personal finances for no reason, they will eventually become overbearing in other areas of your life too and that’s a red flag. Contrary to popular belief, there are some things you’re allowed to keep from your partner. They don’t have to know every location you’re in (so long as you’re not doing nefarious things behind their back), they don’t have to know every dollar you spend (unless you’re hiding nefarious things behind their back), and they don’t have to know all your friends or be friends with all your friends (unless you’re doing nefarious things behind their back). If you have a history of any of the things above it would be normal for someone to distrust you and you should be aware of that and either not ever do that to begin with or be willing to give up some of that more personal information until they know they can trust you again. If they never feel like they can trust you again to the point of never letting you have personal privacy again, then you need to have a conversation about that with them. And if they aren’t willing to let you have personal privacy again despite proving you can be trusted again for a good while, it may be a good time to consider they may not be right for you anymore.

Also, your partner shouldn’t be going through your phone, especially if you’ve never given any sort of reason to do so (like, you have a chronic problem with infidelity). You don’t have to give up your personal privacy for anyone. If someone doesn’t trust you out the gate and demands to go through your phone when you haven’t done anything wrong, that’s a major red flag. It doesn’t matter if they have trust issues from past situations, they need to be willing to take you at your word if you’re not doing anything wrong. If they can’t, they aren’t the right person for you.

If you have to use coin op laundry, don’t forget to set a timer

Keep a physical map of your city/state/province/country in your car in case GPS fails you or your phone dies while you’re out on the road.

If you have to sleep in your car, keep a weapon near you. If not a knife or a firearm for personal safety reasons, a baseball bat or even a shovel will do the trick.

If you find yourself having troubles with your mental health, reach out to someone you can trust as early as you can. It’s better to reach out sooner than later when you feel yourself in crisis. If you don’t have anyone you can trust, find out if your town or city has a mental health safehouse you can either go to or have a warmline you can call. They can be hard to find so you may have to ask around at larger mental health facilities like a mental health hospital or a therapy office, but many bigger cities DO have resources like that available so you can avoid hospitalization and can get the help you need. They are often peer-run by volunteers and they can be a real lifeline if you struggle to trust doctors or mental health professionals.

If your friends judge you for what you wear or the things you like, you need new friends. Bad friends can almost be worse than no friends, and you will find people that will accept you for who you are.

Making friends as an adult is hard, but having them is important. Adulthood is very lonely without people you can trust, or mostly trust. Even if you aren’t sharing your deepest darkest secrets with them, even if they’re just an acquaintance and nothing more, find a way to spend time with people outside of online spaces. It is worth it, even if it’s scary. And this is coming from someone who is hyper-independent with trust issues😭

Try not to make suicide jokes or “hating yourself” jokes. I know it can be hard, but it very often makes people uncomfortable and many people Will worry about you, even if they don’t voice it. If that’s what you want/it’s a cry for help, then tell someone overtly that you need help. Don’t try to get people to figure out you need help. On that same note, you can’t assume people will always understand you if you’re just dropping hints about being upset/struggling with mental health. If you want someone to take you seriously, say it upfront. If they don’t, find someone who will. There will be someone who takes you seriously and will care about you.

(As an aside, if you have a group of friends who knows you’re not being serious that’s a different story but even then, there are much funnier things to joke about than suicide or self hatred. One of the best ways we were able to work through our self hatred and suicidality was by not making those jokes anymore and actively trying to encourage our friends to do the same. This also makes it easier for people to take you seriously when you really ARE struggling. They won’t assume you’re just trying to make another suicide joke.)

Don’t try to date people more than 10 years older than you until you’re at least in your mid to late 20s. No, that 30 year old does not think you as a 19 year old is actually mature. They see you as someone easy to manipulate and if they can’t find a partner their own age there is a reason for that.

Always cover your drinks at bars. Bring saran wrap and jab a straw through it. Never accept a drink from anyone unless you watch the bartender make it in front of you and hand it to you directly. Even if you know them well and feel like you can trust them. I’ve known people who have gotten date raped by people they’ve been dating for months because they thought they could trust them and realized they couldn’t too late. They don’t have to use typical date rape drugs either, so those little self test kits don’t always work. Even copious amounts of eye drops poured into an alcoholic beverage can take someone the fuck out. Be so careful and be so safe everyone, of all genders and sexual orientations.

You didn’t hear this from me, but if you’re considering doing something illegal, don’t keep your phone on you (leave it at home) and don’t have identifying stickers on your car. While yes, a license plate is personally identifying, it’s harder to read that as you drive away than it is for someone to see that you have an anime girl or political sticker on your car’s back window.

On a similar note to above, try to avoid having political stickers or stickers on your car that could be considered subversive for the place you live in if you plan to eventually sell your car. Trans pride stickers are great until your car gets keyed and it destroys the trade in value for your vehicle. If you live in a place that’s highly accepting of trans folks that’s different, but you live in a small conservative area, your car’s paint may not be the only thing that ends up damaged. Slashed tires/smashed windows are expensive, and worse still it could end in a hate crime and your safety is so much more important than a sticker. I know you shouldn’t have to hide and it hurts to do so, but this is unfortunately the climate a lot of people live in and your personal safety should always come first.

things i wish i had known when i escaped my family household and couldn't ask my parents for help

invest in a good mattress early on. there are many other ends you can save on - sleep is not one of them. this is key to how much energy you'll have throughout the day

you don't need a bedframe but you do need a slatted bed base (even if it's just pallets)

opening a bank account is easy

there's youtube tutorials for everything. how to install your washing machine, how to use tools, fixing stuff around the place. channels like dad, how do i? are a godsend

change energy provider as soon as your old deal runs out. you'll get better offers elsewhere and avoid price gouging

assemble a basic first aid kid at home: painkillers, probiotics, alcohol wipes, bandages, tweezers, antihistamine tablets - anything you might need in a pinch

and an emergency toolkit: flashlight, extra batteries, a utility knife, an adjustable wrench, multi-tool, duct tape

set your fridge to the lowest temperature it can go. the energy consumption is minimal in difference and it'll give you +4/7 days on most foods

off-brand products are almost always the same in quality and taste, if not better, for half the price

coupons will save you a lot of money in the long run

there's no reason to be shy around employees at the bank/laundromat/store; most people will be happy to help

vegetarian diets are generally cheap if you make food from scratch

breakfast is as important as they say

keep track of your budget in a notebook or excel file - e.g. rent, phone and internet bills, food, leisure so you'll have an overlook on your spending over the months

don't gamble

piracy is okay

stealing from big stores and chains is also ethically okay

keep medical bills and pharmacy receipts for tax returns

also, file your tax returns early

take up a hobby that isn't in front of a screen. pottery, music, going for a run every now and then, stuff that'll keep you busy and sane

and most importantly... you're allowed to get the stuff you want. treat yourself to the occasional mundane thing. a good scented candle. a bath bomb. that body lotion that makes you feel like royalty. the good coffee beans.

you're free and you deserve to be happy.

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about How to Pay off Debt

Understanding debt:

Let’s End This Damaging Misconception About Credit Cards

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

Dafuq Is Interest? And How Does It Work for the Forces of Darkness?

Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market

How to Build Good Credit Without Going Into Debt

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

It’s More Expensive to Be Poor Than to Be Rich

Making Decisions Under Stress: The Siren Song of Chocolate Cake

How Mental Health Affects Your Finances

Paying off debt:

Kill Your Debt Faster with the Death by a Thousand Cuts Technique

Share My Horror: The World’s Worst Debt Visualization

The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche

The Debt-Killing Power of Rounding up Bills

A Dungeonmaster’s Guide to Defeating Debt

How to Pay Hospital Bills When You’re Flat Broke 

Ask the Bitches Pandemic Lightning Round: “What Do I Do If I Can’t Pay My Bills?” 

Slay Your Financial Vampires

Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?” 

Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt 

Student loan debt:

What We Talk About When We Talk About Student Loans

Ask the Bitches: “The Government Put Student Loans in Forbearance. Can I Stop Paying—or Is It a Trap?”

How to Pay for College without Selling Your Soul to the Devil

When (and How) to Try Refinancing or Consolidating Student Loans

Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?

Season 4, Episode 4: “I’m $100K in Student Loan Debt and I Think It Should Be Forgiven. Does This Make Me an Entitled Asshole?” 

The 2022 Student Loan Forgiveness FAQ You’ve Been Waiting For

2023 Student Loan Forgiveness Update: The Good, the Bad, and the Ugly 

Our Final Word on Student Loan Forgiveness 

Avoiding debt:

Ask Not How Much You Should Save, Ask How Much You Should Spend 

How to Make Any Financial Decision, No Matter How Tough, with Maximum Swag

Your Yearly Free Medical Care Checklist

Two-Ring Circus 

Status Symbols Are Pointless and Dumb 

Advice I Wish My Parents Gave Me When I Was 16 

On Emergency Fund Remorse… and Bacon Emergencies

Should You Increase Your Salary or Decrease Your Spending? 

Don’t Spend Money on Shit You Don’t Like, Fool

The Magically Frugal Power of Patience

The Only Advice You’ll Ever Need for a Cheap-Ass Wedding 

The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It 

3 Times I Was Damn Grateful for My Emergency Fund (and Side Income) 

Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name 

Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick 

Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash? 

The Bitches vs. debt:

I Paid off My Student Loans Ahead of Schedule. Here’s How.

I Paid off My Student Loans. Now What?

Hurricane Debt Weakens to Tropical Storm Debt, but Experts Warn It’s Still Debt

The Real Story of How I Paid Off My Mortgage Early in 4 Years

Case Study: Swimming Upstream against Unemployment, Exhaustion, and $2,750 a Month in Unproductive Spending 

That’s all for now! We try to update these masterposts periodically, so check back for more in… a couple… months??? Maybe????