u/Legitimate_Lychee376

I have 3 federal loans

$6k with 3.4% interest rate

$6k with 4.7% interest rate

$7k with 5.2% interest rate

I just went with the auto payment to pay them off over 10 years, so an equal amount of $230 gets dispersed to them a month. (It’s what was suggested to me by the loan website)

My first question is: should I instead be paying that $230 directly to my highest interest loan? So that it goes down faster?

My second question is: if I have some extra money saved up (maybe like $1000 every 6 months) should I spend that equally on all 3 loans, or all on the highest interest one?

If you could help me understand this in simple terms, it would be so appreciated!!

And please don’t insult my intelligence, this is not my area of expertise whatsoever 🥲…

Hello, I’m new to Duluth and have been really wanting to get my eye brow, bridge, and nose pierced over the next few years, and I’d like to go to someone that is gentle and kind, and obviously talented. If it’s lgbtq friendly that would also be a huge plus, as I’m gender queer.

Thanks!

I feel like people with darker hair can look good with literally any color streaks, but if I’m being totally honest, there’s just something off to me about light brown/dark blonde hair with the same colors. That being said, I still really want to do it 😭 and I’m not talking about light blonde, I mean I was born with blonde hair and it turned brown as I’ve aged, so it’s that in between color.

The reason I’m asking here is partly because I don’t see anyone posting pics of my hair color with colored streaks online 🫠

I would love to do hot pink, but I really don’t think that bright saturated color will look good with it, so maybe light pink? Maybe light teal? I don’t know, I’d love to hear suggestions, I’m open to anything, and if you have pictures, that would be so appreciated!

Hello! I’ve been using the $12 vibrant life crystal cat litter from Walmart for the past few months since it’s cheap, and I really like that I only have to scoop the poops and stir it, instead of scooping clumps too. It makes it a much easier task for my adhd, no clue why.

But I’ve been kind of worried, because I don’t have a sense of smell, I have no idea if it’s actually masking/eliminating the odor. I change it out every 2 weeks and clean the pan and scoop, and the litter always soaks up the urine completely, but I’m always pretty paranoid about it smelling up my apartment.

I don’t really have people over much and so I haven’t been able to ask anyone, plus people in my area are known for being overly nice, so I worry I wouldn’t even get a completely honest answer anyway…

When I try to google it, I get a pretty wide variety of opinions on it. Some people say it hides the smell completely, others don’t think so at all. I’m wondering what folks on here think about it (specifically regarding the smell).

If you have experience with using this specific litter too, I’d love to know your thoughts, since it’s not the common pretty litter brand. It’s less than half the price though, which is why I go for it.