u/Disastrous-Brick-412

I was looking through IEQ videos and I found a bunch for P&C and some that had the same stuff on the title. Should I be going through every single video or what videos did you all watch. So far I made flashcards on the general lines audio where she repeats it but is there more for P&C like that where she repeats it. I bought Kaplan and I’m not really interested in buying another course. I just want some help so I can actually pass and get out of healthcare 🥲 I also can’t find any videos for KY which is the state I’m testing in so is there any other KY state videos I could watch that break it down like she does

I’m struggling with all the stuff I have to remember I’ve started doing flash cards but oh my goodness it’s alot of terms. How can I successfully remember them to pass and what helped you remember all the terms? I’m in KY doing property and casualty

I’ve been trying to hammer down. Courses and watch the insurance exam queen but I been watching alot of TikTok’s with people using ChatGPT to study and generate test accurate questions. How do I get my chat gpt to give me those accurate test answers? Or have yall used GPT to study? If so how?

So I’m about halfway through the Kaplan KY P&C course and I was wondering if anyone else who is in KY or took the KY test could tell me exactly what’s on the actual exam so I know what to study extra of. And what to study but not into too much depth right now I feel like I’m just getting through the chapters almost copying the chapters word for word in notebooks. If anyone who has took the KY P&C already can yall help me out what was on the actual exam and what Can I do to make sure I lock in so I can pass. 😌

As much as I loved the Jovi protein powder, coffee, and the flavor brownie batter I just can’t with the price $39 for a small bag, one that doesn’t even last me 2 weeks because I drink two coffees a day even with TT, it still is super expensive. I know it’s supposed to be healthy and good for you but is there any cheaper alternatives? I just can’t be dropping $30-80 on-coffee bags. Anyone have any good reviews for cheaper ones

Well, I'm back.
I was making good progress paying down my credit card when life threw me a curveball. I had to have a cyst removed from under my breast, and the medical costs ended up maxing my credit card out again.
Between that, everyday bills, and a lot of personal stress, it feels like I've been getting hit from every direction lately. It's discouraging to feel like I was making progress only to end up right back where I started.
Trying to stay positive and avoid stress spending, but honestly, it's been hard. Just wondering if anyone else has had their debt payoff journey set back by unexpected medical expenses. How did you keep going? ❤️

So I came home after a 16-hour workday, still in my scrubs, (icu nurse) completely exhausted. My husband had been home all day. He made dinner for himself but didn't make me anything, which already kind of hurt.
When I got home, the sink was piled high with dishes. There were dishes on the counter too. We don't have a dishwasher, so everything has to be hand washed. I asked him if he could do the dishes, and he told me he didn't want to.
So there I was, straight from work, washing a mountain of dishes because they needed to be done. And he gripes about them being stacked in the sink. The thing is, this isn't a one time issue. I've asked him probably 3–4 separate times before this if he could help out by doing the dishes occasionally, and he never does them. In the entire time we've lived together, he's only washed dishes once, and even then it was just one dish and it wasn't cleaned very well. Now I'm sitting here wondering if this is somehow my fault for asking in the first place. Am I expecting too much? I feel frustrated and honestly a little resentful, but maybe I'm overreacting. If your spouse was home all day and you came home after a 16-hour shift to this situation, would you be upset too?

really know where to put this, I just need to get it out.
My dog passed away from cancer two years ago, and I still don’t feel like I’ve ever fully recovered from it. She was my everything. Like my comfort, my routine, my little shadow. Losing her genuinely changed me in a way I didn’t expect to still be feeling this strongly about years later.
Lately, I’ve been feeling this really heavy sadness and emptiness again. I keep thinking about getting another dog because I miss having that kind of love and companionship in my life so much. It’s not even just “I want a pet,” it’s like I miss herand the feeling of having a dog in general.
But my boyfriend isn’t on the same page right now. He works night shift and says it wouldn’t be fair to bring a dog into the house when he’s gone so much and the schedule wouldn’t be consistent. I understand where he’s coming from, and I don’t want to pressure him or make him feel bad. I know he’s thinking practically about it.
It just makes me feel kind of stuck. Like I’m grieving something that’s already gone while also trying not to push for something new that I feel like I need emotionally. And I feel guilty for even wanting it this badly when I know he’s not ready.
I don’t really know what the answer is. I just miss having a dog so much it hurts sometimes, and I don’t know how to sit with that feeling without spiraling into sadness.

Today’s my 24th birthday and honestly I’ve been emotional about it all day. Me and my husband both had to work, which I know is normal adult life, but for some reason this birthday just hit differently. I’ve never really celebrated my birthday much as an adult, so I don’t even know why this year hurt my feelings so badly.
I didn’t really acknowledge it myself, didn’t get myself anything, and my husband didn’t get me anything either — which I never expect him to do, so I’m not angry at him. I think it’s just the realization that the day came and it felt like just another regular day. Wake up, work, come home, sleep, repeat.
Maybe I just wanted to feel a little special this year or like the day mattered to someone besides me. It’s such a weird feeling because I know birthdays aren’t everything, but I can’t shake how sad I’ve felt today over something that normally wouldn’t bother me this much.

Has anyone successfully saved money while preparing for a career change? I’m trying to figure out the best way to save while also paying off debt without feeling completely overwhelmed. I feel like every time I make progress, something else comes up financially.
What are some things that actually helped you save money easier? Did you use cash envelopes, separate savings accounts, no-spend challenges, meal planning, side hustles, deleting shopping apps, etc.?
I’d also love advice from people who changed careers while still trying to stay financially stable. How did you budget during that transition and keep yourself motivated?
Trying to be smarter with money this year and build a better future for myself without burning out in the process 🫶

So me and bf bought a new stove it was a clearance stove but brand new we paid $739 for it. The cashier said he’d get one from the back and we waited 3-4 mins and he brought the display one out. Why did he bring the display out and not a in box one?? Not mad just wondering why he didn’t get the ones from the back that was in stock since he told us there was 3more including the display one we was given. And why did he tell us there was 3 more including the display if he was just going to give us a display. And why did we get the display one

Note I asked for one that was packaged in the back. I didn’t ask for the display. I just moved out on my own at the age of 20. I didn’t know I was supposed to ask certain things I don’t even work for Lowe’s I work in healthcare. So please don’t leave nasty comments I’m just trying to figure out life. This was my first ever appliance I ever bought.

So today I found out my mom hasn’t been paying my medical bills since I was 16. And I still owe $656.00 in a couple more medical bills. How TF did I never know about this?? I just so happened to ask the desk how much my previous bill was and they said I had collections from when I was a 16yr old child that my mom would never pay. I decided to pay it off with my paychecks by splitting it into 2 and paying $328.00 at a time but still why was I never notified until I asked???

I’m honestly so tired of living paycheck to paycheck and never having enough money for the things I actually need. Every time I think I’m getting ahead, something comes up or I realize I’ve spent money on stuff that didn’t even matter, and I’m right back at $0.00 after bills and groceries.

I want more than this. I want to be able to afford classes, build a better career, purchase things for my NEW HOME and not feel stuck in the same cycle over and over again.

Today I went through my closet and got rid of so many clothes and shoes I bought but never even wore. It was frustrating seeing how much money I’ve wasted, but also kind of eye-opening. I don’t want to keep doing that to myself. I also have been keeping a wish list in my notes app for online shopping when I look on Amazon and if I don’t buy it I take it off the list

I’m posting this to hold myself accountable. I want to make better choices, stop the unnecessary spending, and actually start building something for my future instead of constantly playing catch-up.

If you’ve been here before, how did you break out of it? What actually helped you stick to better habits when motivation fades?

I’m coming back to this post when I feel stuck or unmotivated.

I also am taking all the shoes and clothes I urged out of my closet to the nursing home I work at where I know people can wear these things

I’ve made a wishlist on my notes app so if I’m scrolling through and see something I want I put it with the link on my notes app and if I ever come across the money to purchase it I do if I still want it. And every 4-5 weeks I’ll go through the list and see if it’s something I still want if I do. I keep it if I don’t I delete it. (Picture in comments)

Is there any nice free budget apps you all use that help you plan out what parts of the paychecks go to what? That way I know what goes to where and to see how much overspending I’m

Doing