#paying off mortgage

[pumpkin-daydreams]

(Down, down, down the witches' road.)

[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????

[bananonbinary]

also just to continue my "fuck dave ramsey" posting, his most famous idea is the "debt snowball." first off, this assumes you like. actually have the spare income to pay off tens of thousands of dollars in debt in like half a year, so lets just ignore how stupid that is.

but the idea is, you list all of your debts from smallest to largest, and pay off the smallest one first. then you take the minimum payments you were making towards that one, combine it with the next smallest one, and pay THAT one off, until you've paid off everything.

we're also ignoring that this presumes you won't be getting any MORE debt, so like. just don't have any medical issues or broken appliances or car crashes or whatever i guess.

but the thing that gets me. that REALLY pisses me off here.

is that ITS NOT EVEN GOOD ADVICE????

like, sure, it sounds nice. it looks clean on paper. and it feels pretty good to say "i've paid off six different credit cards!" but it's focusing on the completely wrong thing. you SHOULD be paying attention to *which debt has the highest interest rate.* it doesn't mean shit if you pay off your $200 debt but your fastest-growing debt has accrued $300 more in the meantime.

i haven't even gone to accounting school yet but like basic math says if you want to save money in the long run, you should try and find ways to actually shrink the TOTAL amount of debt, not just the NUMBER of debts you have.

[hesitantalienpicturedisc]

props to dan and phil for trying but christ that game they were sent is so boring

[occasionalklance]

alright i'm gonna end it all, everyone

[theloveinc]

my roommate is dating the son of one of the richest families in my city and is crying bc me and my other roommate told her to get a prenup and figure out who is paying the mortgage on the house she's trying to move into with him

[lucydacusgirl]

you’re obsessed with not hurting me I’m obsessed either way

[eulaliasims]

[benechillax]

man i think i’m 5 seconds away from a mental breakdown

[queenerdloser]

so i grew up in apartments. always apartments - if we were lucky, my parents got a duplex, but those trickled away as i got older. and not like nice condo apartments, but the mid-tier paying too much for slightly shabby accommodations apartments. the apartments where you couldnt do anything to them if you wanted your deposit back and if you are a day late with rent you under the threat of eviction.

i was recently talking to a coworker about home ownership - one of our other coworkers (younger than me) bought her first house with her spouse and we were chatting about it. and this coworker is older, in her 60s, and was fretting about how this young couple might regret buying a house and how much WORK it is and how they couldn't possibly anticipate how difficult home ownership is and on and on.

and i tried to explain to her that like - for my generation, home ownership is this unattainable dream for a lot of us. and after living my entire life in transience - always moving, always aware that my living situation wasn't permanent, always worried about doing something against my lease that would get me evicted, constantly hemmed in by what my landlord said i could or couldn't do with my own private living space - that yes, i would take the extra work of home ownership if it meant stable permanence. i can't begin to describe how dreamlike that feels to me - a place that belongs to me, that i can do whatever i want with, that i can stay in for years and years. yes, the upkeep can be a lot with houses. yes, the responsibility for everything will fall on me. my coworker brought this up repeatedly after i affirmed i didn't care, as if i just wasn't hearing her. but the fact is, i would take a lot more hardships if it meant i could live permanently and i just. genuinely don't care about the additional work in light of that. and i think anyone who grew up in a house or largely lived in permanent residences is going to have trouble seeing eye-to-eye with me on that, bc this is 100 percent coming from a place of always always always living in apartments.

[orodrethsgeek]

In the year of our bullshit 2024 can we as an internet stop assigning strangers’ gender and sexual identities based on the media and characters they like please and thank and get all the way fucked

[tittyinfinity]

when you're disabled, being financially abused by your parents never ends

[strohller27]

.

[wttcsms]

women with “20s” in their bio with “MDNI” banners all over their blog, please try this fun new challenge called leave minors alone (challenge level: impossible, apparently)

[ragsandrascals]

That is not the face of a boy

[jakeperalta]

spent weeks psyching myself up to stand up to my mum and then immediately got shot down by her 😃👍