u/No-Percentagetaken

Has anyone used a 0% APR card to build then massively pay it all back with rent savings?

Short story:

• Pay $1430/mo in rent currently ($17k+ year)
• Get 0% APR cards
• Build a BASIC cabin, solar, rain catchment, etc with cards
• Move to land (no rent)
• Pay $1200 etc on cards/mo (even when interest ends)
• Basically a mortgage for 2 or 3 yrs

I can't get a loan. The rent is too high. Already tried.

My rough cost thus far is 40-50k. Can pay down $17k a year on it.

Had anyone done this before? It's all preliminary and getting costs so far.

It feels a bit dangerous, but there's families getting 1 million dollar homes and could get fired tomorrow. Plenty of jobs in Ohio is shtf scenario.

P. S. I already have the land.

Edit: I have 80k in credit cards I could use with 22% APR. Obviously screw that. Almost 800 credit score. You can't get a loan when they see almost 40% or so in rent.

After I move tho with zero debt. An extra $1430/month is practically rich in Appalachian Ohio with no wife or kids.

Seems hard to pass up tbh.

What supplies did you have when you first bought land? Here's what I bring. Mostly making trails, trenching, figuring out future location of things, etc before septic goes in next year.

It’s honestly so fun to just build your property however you want. A very freeing feeling. ​

Edit: Water. Lots and lots of water.

I purchased 2.5 acres a few months ago. It's basically sloped land with this bench. Trees upon trees. Sloped. All there is to it.

Recently the driveway has started to get rained out and losing some gravel. Water doing what it's gonna do.

I have 2 options in my mind. Both options lead to a drainage ditch and or a small dry creek bed most of the time.

1. Make a small trench on the left side of the driveway to steer the water. Then a small swell so it connects from the slope runoff up top. In theory done. See what happens. Drains to drainage ditch. Perfect.
2. Make a swell at the base of the slope. Along the whole thing. (Left side with the pic in the car) and take it behind the car and keep going downhill into the dry river bed.

What's worse? What's best?

I'm new to permaculture and wanted a few opinions. Thank you.

I'm not gonna write a book review of each, but I'll write WHY these three are a must read (on Audible). The EXACT reason imo.

Nothing against the normal Aliens 1-4, but If you've watched the movies 60 million times like we all have. Nothing new is in the books. These aren’t Harry Potter books. There's differences, but if you've seen the movie a million times the books are just a retelling.

Alien: The Cold Forge - This story is great for 1 reason. Nothing else. The bad guy is so fucking bad. Like evil. Just hates human beings. Whole job is to just fuck people's lives up. Then the Aliens get loose.... he gets EVEN.FUCKING.CRAZIER. Aliens are ruthless killing machines right? The bad guy in this story is a 1 to 1 copy of them. Ruthless. Absolutely brilliant. You can't stop reading just because what will happen to him. It's in space on a "Cold Forge" messing with embryos and shit per usual. That's your atmosphere.

Alien: Out Of The Shadows - The "twist" at the end is magnificent. *chefs kiss*. ​It starts with Ripley being asleep in space on the Narcissus. It ends the same way. It happens after Aliens and before Aliens 2. This could 100% be canon tbh. Ash is involved. Yes....THE Ash and he is running amok as usual. Everything in between is great, but seeing Ripley and Ash fighting again feels special. Plz read this book.

Aliens: Phalanx - It's basically Aliens vs Humans with sticks n' shit. (They got more then sticks, but that's what you envision reading it). They literally call them Demons because they don't even know what they are. They are absolutely scared of them and live in essentially holes. Good twists and turns. Big battle with "sticks" at the end. Good story because it's vastly different. No Marines, Weiland, Space, etc etc. ​

Just some books that I liked. Which are you favorites? Or have you read these?

New piece of property. Almost 2.5 acres. Hilly sloped land. New to land owning.

Water is draining onto the driveway into a small creek bed. This was fine for months and don't want it to get worse of I do nothing.

My thoughts were to just dig a trench on the left side near the bank. The water will simply flow into the trench and into the creek bed. Nothing too wide, but certainly better than the water washing out right where my wheels will be.

Some other ideas:

- crown the driveway a bit so water doesn't pool in spots. Not a problem so far.

- make a small swale? ​(depression) on the pad above so when the water comes from above it flows into here then the trench.

I don't have any heavy equipment and not looking for a 15 year fix. Need something now vs buying gravel every 3 weeks if it gets washed out. Literally me and a shovel or whatever would make this easy. I'm time rich, money poor.

Thank you for ideas.

Got this FS 120 yesterday. Used of course. I am brand new to Stihl or gas trimmers so I'll explain what happened. Would like to know if this is fixable vs buying a new one.

- Bought it yesterday and started on the 2nd pull from previous owner

- Not an expert so spent a good 30 min getting it started and understanding how these work

- Got it started with a 3 forked brush cutter attachment

- Shakes like hell. I have nothing to compare it to, but it honestly hurt to even hold it. I don't know if this is normal, but I assume having rub marks from after use is bad? I don't know.

- Did a bit of trimming tho as you can see in the pics

- Started to smell a bit and get hot and looked around at the motor and saw it detached

That's all I know.

Preferably I'd like to fix it, but what did I do wrong? Thanks!

I've recently bought a few acres in Southern Ohio. The normal network would not work down here. For an additional $10/month (and 2 months free). I qot a new number that works on here. Took 10 minutes and can change it in seconds thru my phone esim.

Wonderful service. Pics for fun. :)

Went from the T mobile network to Verizon essentially on the property. Whatever network those are called on here.

I would like to make this pad bigger. Currently the part behind the car is very small. I would like to be able to drive in and turn the car around without having to drive in and back up. Also make the right (in front of the car) bigger too for a cabin.

What equipment or considerations should I keep in mind? Where do I put the fill dirt? Just keep throwing it off the edge? Haul it out?

My main concern is destabilizing the slope if I take too many trees out. Or erosion, etc etc

Do you all have any thoughts? Thank you.

I would like to make this pad bigger. Currently the part behind the car is very small. I would like to be able to drive in and turn the car around without having to drive in and back up. Also make the right (in front of the car) bigger too for a cabin.

What equipment or considerations should I keep in mind? Where do I put the fill dirt? Just keep throwing it off the edge? Haul it out?

My main concern is destabilizing the slope if I take too many trees out. Or erosion, etc etc

Do you all have any thoughts? Thank you.

2+ acres. Electric and water at road. Near a smaller town of 500. Appalachian Ohio.

It has been named Mount Olympus BTW. Of course gotta buid on it. Will be a homestead of sorts.

I posted this earlier, but just got the pics. EXCITEDDDD

Looking at some land. It's hilly. Appalachian area. Ohio. I know I need a percolation test etc.

I'm more concerned if it is even possible to build septic on here. Previous owners scraped out a pad. I know nothing about septic and will hire a professional after looking at it. Does this look TOO hilly though or the pad is just completely not enough room?

County said it must follow guidelines blah blah with a primary and replacement system. I know they are the actual guardians here.

Over 2 acres. Goes from 800ft to 860 feet at the very top. It would have a 1 bedroom, 1 bath cabin on it at the very most.

Thank you.