#debt payoff

[bitchesgetriches]

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

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[realestateinvesting001]

How to Set Money Boundaries for Financial Success: Simple Tips You Can Use 🌟

Managing your finances effectively starts with one essential practice: setting money boundaries. 🛑 These boundaries act as guidelines for how you spend, save, and invest, helping you stay focused on your financial goals and avoid distractions. Whether you’re saving for a big purchase, paying off debt, or building wealth, this guide will help you create and protect financial boundaries that align…

[jess-dailylife]

Lost in My Own Thoughts

It’s been a few days since I last posted, and I’m sorry I’ve been MIA. I’ve been dealing with a flu/fever since the weekend, and I’m only now starting to feel human again. But even though my body is finally catching up, my mind feels like a tangled mess—finances, life, work… I don’t even know where to start.

I guess work is a good place to begin. My coworkers tell me my managers miss me, but let’s be real—they don’t miss me, they miss the fact that I do more than my job and make everyone’s life easier. And yet, somehow, that doesn’t translate into me deserving a raise? Funny how that works. And on top of that, I can’t seem to find a better-paying job that will actually hire me, even though I know I’m more than capable. I learn fast, I multitask, I take on more than I need to—why is it so hard to get someone to take a chance on me? I know I’d give it my all if I just had the opportunity.

Life is okay, I guess. Except for the part where my partner and I really want to afford a place of our own, but I’m struggling to save because of all the debt I’m trying to pay off. I fell behind financially after getting a place with my sister, and I feel like I can’t catch up. It’s exhausting. How am I supposed to save for a down payment when I’m barely making a dent in my debt?

And then there’s my partner. He’s carrying so much of the financial weight right now, and I hate it. I hate that he has to shoulder so much, especially when he still has to pay child support. It’s overwhelming, and I don’t know how to fix it. The only solution I see is getting a better-paying job—but we’re back to square one, aren’t we?

I don’t know. I just feel stuck.

-Just a Girl in Ontario

[prosper-path]

Navigating the Road to Financial Freedom: Practical Strategies for Debt Management

Debt. It’s a word that can send shivers down anyone’s spine. It can feel like an overwhelming burden, a dark cloud looming over your financial future. But here’s the good news: you’re not alone. Millions of people face the challenges of debt, and more importantly, millions have successfully navigated their way out. This article is your roadmap to joining their ranks and achieving lasting…

[nospendtillbrooklyn]

An Update: Three Weeks in. And I am noticing some changes...

I meant to write this post last week. And maybe the week before that. But I have been so busy, the effort needed to write this post just did not exist. But I wanted to write one today because I think it’s important to keep holding myself accountable to this No Buy experience.

As the tagline says, I have noticed some changes. My budget is still not where I want it to be, but that it is mostly because I am still getting myself organized. It’s not a skill that comes naturally to me. And I am working really hard at taking extra income and placing it towards debt and building up my savings account. To my day to day wallet doesn’t feel much different. But my mindset sure does.

I have always been someone with a slightly disordered eating habit. I tend to really make some questionable choices, and go long stretches with out eating. This would result in me being absolutely starving at random hours during my work day, and would prompt me to stop somewhere to “Grab something to go.” Usually from a gas station or grocery store. But those little things add up. So one of the first things that went into my No Buy plan was to eliminate that extra spending. And I have three weeks in noticed myself not feeling tempted to stop, to plan more ahead and to live with what is available at home (even if it’s not exactly what I am craving in that moment.) This feels like such a win to me, to notice myself easily self correcting when temptation rises.

It’s happening else where too. I was in the pet store, a place where I would often over spend to ‘treat the dogs’ to some fun stuff, and I purchased the necessary pet food I needed and rolled out the door easy-breezy. The pet store I frequent is close to a Sierra Trading Post, a place I could easily drop $50 to $100 on a given trip. Mostly on things I didn’t really need. I walked right by it.

These little changes from an outside perspective seem so small to me. But when I think about the irresponsible spending I have engaged in in the past, I feel a tremendous sense of accomplishment. It’s working. I am shifting how I view spending and shopping, not as a hobby thing to fill a void of stress or boredom.

What I have purchased the last three weeks has been 100% required. I purchased some replacement parts for my weed whacker on Amazon. I bought some supplies to print and mount some photos for the fair show locally. And next week I am having a photo matted and framed and shipped for a gallery show at an arts festival. Over all the expenses out side of necessities have been things that are not typical (the last time I bought parts for the weed whacker was two years ago.) And I am pleased that I have multiple times come up against temptations to swing through a coffee drive thru, or browse a favorite store (because it’s never just browsing…) and been able to easily redirect my thought process.

For any one considering a No Buy, I would highly recommend it. Recognizing that no two No Buys will look alike, and setting up your personal No Buy might be different from mine. For example your No Buy might leave room for eating out, while mine doesn’t. Your No Buy might allow some types of clothing or metrics on when you can purchase clothing, where as even if something breaks (outside of hiking boots of which I only have one pair) I will just have to live with it until I have nothing that can fill the void. And in my case, I have plenty that can fill the void. Your No Buy doesn’t necessarily need to require you to declutter at the same time (Though I think it’s a really good exercise in “why do I have so much stuff??”) But even just 3 weeks in, I am consciously aware of my spending and finding making choices to align with the No Buy easier and easier. It is less and less of a “no you’re on a no buy” and more of a “we don’t need that.” And that feels like a powerful place to start really commanding my finances.

Next up? A break down of debt pay-offs.

[followthroughanddoit]

[vaultsixtynine]

paid a bunch of bills

[luciphe-r]

i have been seeing a lot of really cold takes on atsv and i will say, with the risk of siding with scorsese with whom i have beef over many things but this one, that the marvel cinematic universe has completely fucked the way people consume media to the point that no one knows what strong narrative looks and sounds like. everyone has been complaining that there is no emotional payoff similar to the what's up danger sequence in atsv and like??? of course there couldn't be one, not only there wasn't one, there could! not! be! one!!!!! aaaaaaaaa

[dicaeopolis]

oh i am feeling VERY broke rn but god i am free.

[rememberedbyamark]

Fuck it, we ball [gets thousands in student loan debt]

[bitchesgetriches]

I'm utilizing the snowball method and trying to determine which credit card balance to put the most money toward. I know I should choose the one with the highest interest, but when I looked at how much interest is being charged I noticed that one with a lower APR was charging more because my balance on that card is higher than the others. So should I put money there first, or am I missing something? I'm extremely math-averse and appreciate your insight. Thank you in advance!

We gotchu, boo!

You're actually stuck in some question between the Snowball and the Avalanche method. The Snowball recommends you start with the smallest balance, the Avalanche recommends you start with the highest interest rate. And we explain how to navigate the two in the link below.

BUT YOU, my child, have an entirely separate question. Should you start with a lower APR with a high balance because that's costing you the most in the short term?

And the answer is... you decide. If you're going for mathematical efficiency, then it sounds like you have your answer. And if you're going for what will give you the most peace of mind... it's about the same answer: start with the card with the highest balance. The trick is to pick what feels right to YOU, regardless of what will save the most money.

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

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[furiouslovepolice]

Early Loan Repayment Calculator

Looking for a way to save money on your loan? The Early Loan Repayment Calculator is here to help. Early Loan Repayment will reduce a big amount of total financing costs. Whether you're repaying a mortgage, car loan, or personal loan, this app shows how much you can save by overpaying even a small amount.

[ecomrose]

DEBT PAYOFF COIN: A REVOLUTION PATH TO FINANCIAL FREEDOM

Cancel1Mortgage.info Debt Payoff Coin (DPC) is a transformative cryptocurrency designed to help individuals take control of their financial futures by eliminating debt. Unlike traditional cryptocurrencies that focus primarily on speculation, DPC is built to empower users with a real-world application: helping them pay off debt faster and more effectively. By combining blockchain technology with practical financial solutions that work for you, the Debt Payoff Coin offers a unique way for people to manage and eliminate debt while investing in their future.

Why Should You Buy and HODL Debt Payoff Coin?

DPC is not just another speculative digital asset. It serves a clear, tangible debt payment solution purpose: helping people pay off fraudulent bank and financial debts. This makes DPC an emotionally and financially rewarding investment for those who are striving for debt freedom. By Hodl DPC, you are not only investing in a currency but also in a vision of personal and collective financial independence.

KINDLY CLICK ON THIS LINK: https://pump.fun/coin/EwMbUbY3D1E9PuCp22pkKUbHLxFdTrY8kkYKjfcepump

[davidl2001]

How To Deal With Debt Going Into 2024

Photo by Tima Miroshnichenko: Not getting into debt is easier said than done for many people. Paying off debt is even more difficult because you don’t have enough money to pay for necessities and your debt. Being in debt can have a massive effect on your financial future and your mental health. However, there is some good news about this. There are many strategies that you can incorporate into…

[wealthbuilderr]

Debt-Free Dreams: Strategies for Debt Management and Elimination

The aspiration of leading a debt-free existence resonates with countless individuals. Being burdened with debt can limit financial freedom and hinder the pursuit of long-term goals.... See more