Better lighting is coming next week, haven’t decided on plate storage, and I’m waiting for a decent Olympic barbell on marketplace. But I’ve been training at home for the last week and it’s been an excellent change of pace!
I (30m) am not wealthy, but my parents (70m, 58f) are quite poor, well below the poverty line, and they do not spend on ANYTHING to improve their quality of life. Dad is retired/on disability, mom works part-time and takes care of dad and the house. Their anniversary is coming up, and I’d like for them to have a few items that just makes things a little bit better every day.
What cheap (sub-$50) things do you use on a regular basis that genuinely make your life better?
A good bath towel?
Brand-name laundry soap?
A coffee maker that just fucking works when you plug it in without finagling the doohickeys?
Hit me with your recommendations, I’m hoping to bring a bit more everyday joy to their lives.
Thanks!
A couple weeks before my birthday, I read that with current life expectancies, “middle age” starts around 38, which is crazy because I still feel like a young, silly goose making my way through the world.
But turning 30 hit me really hard!
So for anyone younger than me - what do you do on the daily? For the older folks, what’s it like being a freaking geezer?!
Let’s yap. Keep my mind off the existential dread. I swear I’m interesting! I’ve got a degree, I did a World Championships of something, I’m from a “remote” part of the world… just yap at me.
Thanks gang
I had about $7,000 in credit card debt at 12.99% when I received an offer from a new bank for a new Mastercard with a 0% interest into rate. I’m trying to find the best way to pay less interest across that 0% card and my 10% vehicle loan and be out of debt sooner.
Current debts to repay:
Truck: $22,000 at 9.9% ($570/mo minimum), payoff mid 2030 on the minimum payments.
Visa: $0 at 12.99%
Mastercard: $5,500 at 0% until December 2027.
Monthly funds available above minimum: $540
This new card gives 18 months at 0% on all transferred balances, credit limit of $5,500, 1% transfer fee. I transferred all that I could onto the balance transfer ($5,500 minus the 1% transfer fee). Using some rainy day funds, I paid the remaining balance on my 13% card off to $0. This $5,500 at 0% is my only remaining credit card debt, I’m just wondering how best to tackle it. And of course, no, I’m not spending on either card anymore.
I’ve set aside about $540/month to pay off my credit card and vehicle loan (over and above the monthly vehicle payment), and I’m just wondering if it makes more sense to pay the 0% card off ASAP and then start attacking the truck loan, or if I should treat that 0% card as though it were an instalment loan for the term of the 0% promo. I already set up automatic recurring payments so that the entire balance will be paid juuuust before the promo rate runs out (about $330/month). I put the rest of my debt budget on automatic payments against the principal of my truck loan.
What’s the best way to do this? Obviously the Mastercard costs me $0 in interest, but I don’t want to let it ride, I want to take advantage of that 0% so that debt doesn’t cost me any more money. I could put my entire debt budget against my truck, but it won’t be paid off before the Mastercard starts accruing interest.
Thanks gang!
I had about $7,000 in credit card debt at 12.99% when I received an offer from a new bank for a new Mastercard with a 0% interest into rate. I’m trying to find the best way to pay less interest across that 0% card and my 10% vehicle loan and be out of debt sooner.
Current debts to repay:
Truck: $22,000 at 9.9% ($570/mo minimum), payoff mid 2030 on the minimum payments.
Visa: $0 at 12.99%
Mastercard: $5,500 at 0% until December 2027.
Monthly funds available above minimum: $540
This new card gives 18 months at 0% on all transferred balances, credit limit of $5,500, 1% transfer fee. I transferred all that I could onto the balance transfer ($5,500 minus the 1% transfer fee). Using some rainy day funds, I paid the remaining balance on my 13% card off to $0. This $5,500 at 0% is my only remaining credit card debt, I’m just wondering how best to tackle it. And of course, no, I’m not spending on either card anymore.
I’ve set aside about $540/month to pay off my credit card and vehicle loan (over and above the monthly vehicle payment), and I’m just wondering if it makes more sense to pay the 0% card off ASAP and then start attacking the truck loan, or if I should treat that 0% card as though it were an instalment loan for the term of the 0% promo. I already set up automatic recurring payments so that the entire balance will be paid juuuust before the promo rate runs out (about $330/month). I put the rest of my debt budget on automatic payments against the principal of my truck loan.
What’s the best way to do this? Obviously the Mastercard costs me $0 in interest, but I don’t want to let it ride, I want to take advantage of that 0% so that debt doesn’t cost me any more money. I could put my entire debt budget against my truck, but it won’t be paid off before the Mastercard starts accruing interest.
Thanks gang!