u/Sphinx951

So we just purchased a king sized Beautyrest series 4 xcs and were super excited but we want a quality sheet set to put on it.

We’re going to go Percale for the coolness and crispness and we’ve narrowed it down to these 3.

1. Coyuchi
2. Boll & Branch
3. LL Bean.

Which do you prefer and why. If there are any other recommendations please let me know.

Im currently using a Sonos setup. ( beam gen 2, sub mini, and 2 era 100 surrounds.

What turntable should I get? Do you lose quality vs a wired or running the high quality streaming from Apple Music or the Sonos app?

Thanks in advance for the help!

I know I don’t have to endorse it and I have to write the full account number on it.

I’m going to mail it certified, but do I mail it to the regular payment office or the overnight?

There isn’t a way to take it to my bank and wire it over is there?

I really need advice before taking the next step.

So we have some really bad debt and we’ve started Ramsey plan of not using credit cards anymore. We have the opportunity of using our homes equity to pay off all this and start fresh. We have learned from our mistakes but I’m wondering if we should do this new option or just really grind it out.
We have all of our paperwork done and we just have to close if we go through our cash out refinance. We make after taxes, healthcare, and 12% 401k contribution around 70-75k. 6-6500 monthly net.

If we do this, I’d have everything paid off except the student loan, the interest free debt, and 1 car and of course the new mortgage. We would have 15k in a hysa and around 3k in investing or I could pay off the $10598 in interest free and save the other $7000.

We feel like we’re drowning and we want to make the best decision going forward. We have no savings atm besides our 401k.

New mortgage is 210k @6.75. $1596 payment with escrow.

We have a 160k mortgage @6.625%. $1340 payment with escrow.

We have a personal loan of $21,652. $684.35 a month for almost 3 1/2 more years.

Interest credit cards (25%). $6,740.90

Interests free for 17 months. $10598.24

One car. $1500 left

One car $20000 left.

Student loan. 8k. $100 a month.

I really need advice before taking the next step.

So we have some really bad debt and we’ve started Ramsey plan of not using credit cards anymore. We have the opportunity of using our homes equity to pay off all this and start fresh. We have learned from our mistakes but I’m wondering if we should do this new option or just really grind it out.
We have all of our paperwork done and we just have to close if we go through our cash out refinance. We make after taxes, healthcare, and 12% 401k contribution around 70-75k. 6-6500 monthly net.

If we do this, I’d have everything paid off except the student loan, the interest free debt, and 1 car and of course the new mortgage. We would have 15k in a hysa and around 3k in investing or I could pay off the $10598 in interest free and save the other $7000.

We feel like we’re drowning and we want to make the best decision going forward. We have no savings atm besides our 401k.

New mortgage is 210k @6.75. $1596 payment with escrow.

We have a 160k mortgage @6.625%. $1340 payment with escrow.

We have a personal loan of $21,652. 13.99% 684.35 a month for almost 3 1/2 more years.

Interest credit cards (25%). $6,740.90

Interests free for 17 months. $10598.24

One car. $1500 left 2.99%

One car $20000 left. 2.99%

Student loan. 8k. $100 a month.

So we have some really bad debt and we’ve started Ramsey plan of not using credit cards anymore. We have the opportunity of using our homes equity to pay off all this and start fresh. We have learned from our mistakes but I’m wondering if we should do this new option or just really grind it out.
We have all of our paperwork done and we just have to close if we go through our cash out refinance. We make after taxes, healthcare, and 12% 401k contribution around 70-75k. 6-6500 monthly net.

If we do this, I’d have everything paid off except the student loan, the interest free debt, and 1 car and of course the new mortgage. We would have 15k in a hysa and around 3k in investing or I could pay off the $10598 in interest free and save the other $7000.

We feel like we’re drowning and we want to make the best decision going forward. We have no savings atm besides our 401k.

New mortgage is 210k @6.75. $1596 payment with escrow.

We have a 160k mortgage @6.625%. $1340 payment with escrow.

We have a personal loan of $21,652. $684.35 a month for almost 3 1/2 more years.

Interest credit cards (25%). $6,740.90

Interests free for 17 months. $10598.24

One car. $1500 left

One car $20000 left.

Student loan. 8k. $100 a month.

It was my wife's grandmothers house. It appraised for 350k. We bought it for 162k. Gifted equity

The new loan would be 225k. That pays off our personal loan and original mortgage.

We then get back 34,510. I'd use around 15000 of that to pay off the credit cards and the car we owe 1500 on.
That leaves us 15000 to put into a hysa for emergencies and 5000 to put into an index fund to start investing.

The only payments we would have then would be. $1694. New mortgage
$698. Last car.
$100. Student loan.
That's 2492 out of our 6000-6500 net income.
Wife is a waitress so it's not exact.

That puts at around .41 dti or .38 dti but we would have a safety net.

Is it worth doing?

It was my wife's grandmothers house. It appraised for 350k. We bought it for 162k. Gifted equity.

The new loan would be 225k. That pays off our personal loan and original mortgage.

We then get back 34,510. I'd use around 15000 of that to pay off the credit cards and the car we owe 1500 on.
That leaves us 15000 to put into a hysa for emergencies and 5000 to put into an index fund to start investing.

The only payments we would have then would be. $1694. New mortgage
$698. Last car.
$100. Student loan.
That's 2492 out of our 6000-6500 net income.
Wife is a waitress so it's not exact.

That puts at around .41 dti or .38 dti but we would have a safety net.

Is it worth doing?

Every calculator is different and they’re giving us mixed vibes. We make 75-85k combined and we currently have a mortgage of 162k( house appraised for 350k. Its her grandmothers old house) We have around 40k of debt though(20k before and 20k of fixing up the house) and we’re looking to do a cash out refinance.

Could we afford the 225k?

Int would be 6.75%
Taxes and insurance is equal to 2800 per year.
Total payment would be $1694.

That amount pays off everything and allows us to have 20k for savings. We’re planning on putting into a hysa @4.5%.

We could also not get the extra and take 210k but would only have around 2k extra.

We bought our house from my wife’s grandmother last year for 161k at 6.625 rate. We now owe 158k. The house appraised for 350k

We make 80k combined but we have a ton of debt from before the mortgage and we’ve taken on more since just getting the house on better shape.

We’re looking to do a 225k cashout refinance that would pay off all of our debts and allow us to also put 20k into savings/cds etc. The new rate goes up to 6.75%. And our payment(p&i, escrow, and pmi) $1320 would go to $1694(p&i, escrow, no longer have pmi).

Our debts are
$694. Personal loan($22k)
5 credit cards totaling $8k
1 balance transfer ($8500) good for 16 more months.
Student loan(10k) $100 a month
1 car. (20,700)$698 payment.
1 car (1500) $229 payment.

We’ve stopped using the cards but the damage is already there.

What should we do?