Good evening. For reference - I am a licensed behavioral consultant who is attempting to transitioning from IBHS to school only. I have a current caseload of 12 school aged children. I applied for a new job that would be one school only and I wouldn’t be driving hours between clients. I applied to the new job today so hoping to hear back about an interview tomorrow. If I were to transition to the new job, is two weeks notice enough time to transition off of my caseload?

long story short I graduated in May of 2020 with my masters but, due to having a criminal record, was not able to get a new job and start collecting my hours towards my BCBA. At this point, I’m very comfortable being a LBS but am interested in becoming a BCBA. How awful would it be to do a bridge program and start towards a BCBA? How many additional classes would I need? Any advice would be greatly appreciated!

I am just starting to save the $1000 (step 1) and will be taking $125 out of my next 8 paychecks to achieve baby step 1. When I start baby step 2 (debt snowball), do I put a part of each paycheck to my lowest balance or do I pay the lowest balance once a month?

I just got a 12k personal loan to pay off my CC’s which the interest was killing me. I did the math and, if I put an extra $106 to my smallest debt and snowball it, I’ll be debt free in ten years. My goal is to be debt free by the time I’m 40 (I’m currently 32) so I will have to put a little extra but I feel more motivated now than I have in years. Wish me luck 🫡

edit: people are saying 8-10 years is way too long. how realistic is it to pay 93k of debt in 5-7 years?

I just got a 12k personal loan to pay off my CC’s which the interest was killing me. I did the math and, if I put an extra $106 to my smallest debt and snowball it, I’ll be debt free in ten years. My goal is to be debt free by the time I’m 40 (I’m currently 32) so I will have to put a little extra but I feel more motivated now than I have in years. Wish me luck 🫡

I took a big pay cut and had to switch jobs about 1.5 years ago. I racked up 12k in CC debt with the interest rates being between 19-29%. The interest is brutal. pros and cons to getting a personal loan to pay off the CC debt and then paying off that person loan quicker than I would the CC loan?

I took a big pay cut and had to switch jobs about 1.5 years ago. I racked up 12k in CC debt with the interest rates being between 19-29%. The interest is brutal. pros and cons to getting a personal loan to pay off the CC debt and then paying off that person loan quicker than I would the CC loan?

Let the games begin

I just wrote out all of my debts after dreading so for years. Total debt - $92,303 (highest total was $110k+). The following are all of my debts:

Capital one - $5,196

Discover - $6302

Citadel - $422

Sallie Mae - $18,646

Sallie Mae - $13,437

Sallie Mae - $2,567

Nelnet AB - $2,259

Nelnet AI - $21,448

Nelnet AE - $5,126

Nelnet AF - $2,200

Nelnet AG - $5,109

Nelnet AH - $2,081

Nelnet AC - $4,240

Nelnet AA - $3,270

I’m starting with the three credit cards then the rest are student loans. Any advice? I’m doing the avalanche method because I need to pay the CC’s off first. I can’t wait to post in ten years when all of these are zero!

I just wrote out all of my debts after dreading so for years. Total debt - $92,303 (highest total was $110k+). The following are all of my debts:

Capital one - $5,196

Discover - $6302

Citadel - $422

Sallie Mae - $18,646

Sallie Mae - $13,437

Sallie Mae - $2,567

Nelnet AB - $2,259

Nelnet AI - $21,448

Nelnet AE - $5,126

Nelnet AF - $2,200

Nelnet AG - $5,109

Nelnet AH - $2,081

Nelnet AC - $4,240

Nelnet AA - $3,270

I’m starting with the three credit cards then the rest are student loans. Any advice? I’m doing the avalanche method because I need to pay the CC’s off first. I can’t wait to post in ten years when all of these are zero!

Hey everyone! My wife and I are huge Disney fans and want to take our daughter in May of 2027 since she will still be free. We also plan on having a newborn by then / hoping the newborn will have their two month vaccines.

I finally convinced my wife that doing Disney with two little ones, in the summer, would be awful so I’m thinking mid May will be our best bet (our anniversary is 5/31 so we could combine it all).

My question is really looking for advice of how to survive Disney with two little ones / any tips or tricks to making the experience magical would be great!

Hey everyone! I saw this company post an LBS job in Malvern, PA and wanted to see if anyone knows anything about the company or has worked for the company? it would be a nice pay raise so wanted to see if there are any opinions on the company.

I’ll be in the market for a new car soon as my current car is on its last leg. I’ve had my current car for over 10 years and bought it when I was in college. When I was in high school, my dad promised me his Nissan Altima and he would buy a new car but my sister totaled the car. Ever since then, I’ve always wanted to own one and now I feel like the time is right. When I began googling about them, I saw lots of people say how bad the transmissions can be? Has anybody found this to be true? I have a 2015 ford fiesta that has a slipping transmission so not super excited about buying a car that might have transmission issues.