u/BoxRemarkable4784

Personal loan and refinances to lower payments/apr's.

Good evening everybody.

Would it be possible to get a personal loan from a different bank than the one I'm currently using to move all of my finances to that bank?

My example, I would take the money from the personal loan to put down on a vehicle loan, pay off existing personal loan, a refinance of a snowmobile loan, paying off a remaining balance on a trailer and a credit card through the same bank. So it would be moving loans from 3 separate banks into one. The APR would be better on the personal loan than the one it currently has a this new bank. The vehicle APR would be lower at the new bank. Snowmobile, same thing. All of which would lower my monthly payments by quite a large margin, and the money saved could be put back into the personal loan to pay it off much quicker, saving more money from interest.

I'm not sure If this makes sense, but somehow it does in my head and would love to see if somebody could help me out!

Thank you and have a great evening!

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u/BoxRemarkable4784 — 7 days ago

Hello everybody.

Diagnosed two years ago with Bipolar, then got a few other diagnosis that were different from bipolar. Went on a slew of 6 different medications. Started with lithium, didn't like the zombie effect. Was then prescribed two separate anti-psychotics that had the worst side effects I've ever experienced. Some others that I wasn't too sure off. During that time, I was smoking marijuana. Ive since quit the Mary Jane, been off it now 4 months and truly want to chase a normal life.

What medication worked best for you? I'm currently in two separate forms of therapy, trying to journal more, be more active, etc. Would love to hear what medications have worked for others.

For my diagnosis, I'm not sure if it was Bipolar 1 or 2, but I experience some mania not so often, more depression, no motivation, SI, regret, etc.

Thank you!

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u/BoxRemarkable4784 — 16 days ago

Hello everybody. Not medicated, been in therapy for 3 years.

I got a possible diagnosis of Bipolar a few years ago, tried medications but nothing seemed to work or make me feel better so I've been unmedicated for some time.

Two years ago, I broke up with my girlfriend. We had been together for about a year and a half. She was my peace, she was truly wonderful. Helped me through some very hard times. I found every reason to leave and I believe I was going through a manic episode. 5 months afterwards, I started to see another woman. I went to leave the relationship because I wasn't happy with how things were, uncovered some lies. She kinda used her child against me to stay in my opinion. I was going to go back to my ex. But I told myself I wouldn't leave because I was tired of going from relationship to relationship, and I convinced myself that leaving her was the right choice. I also didn't want to be seen as going back to her again, and because of what she told me about her child and how she loves me, it made me stay.

I've been with the new woman for a year and a half. We've had a child together, live together and I help her raise her own child. I constantly think about my ex girlfriend. Every day. Out of no where it invades my brain. Since I've done research with Bipolar disorder, I realize what I was going through when I broke up with her and the regret I feel is immense.

Does anybody else experience this? How do you work through this? I go to therapy, I journal and try to keep up with my daily activities. I just want to feel like I'm not alone with this, and that what im feeling is normal as this has never happened to me. I've left relationships due to toxicity, been cheated on, physically abused, etc. But this has never happened where I've truly had invasive thoughts of my ex.

Sorry for the long rant, thank you for reading.

reddit.com
u/BoxRemarkable4784 — 17 days ago