u/queerharveybabe

i’ve been dating this chick for a while. We texted for a month before meeting up , and we’ve been going on dates for about a month . It’s so in total, maybe two months

Any ways she’s deaf. We haven’t really talked about her deafness. All I know she has a cochlear implant, but doesn’t like to use it. I’ve never seen her use it. And that’s about it.

I know that there is a wide variety of hearing impairment.

Honestly, the biggest issue that I wanna know is , when I’m loudly singing in the car, can she tell how bad of a singer i am? cause I kind of love that I get to drive and sing with her. And I low-key don’t wanna lose that.

so would it be rude to ask her how much she can hear?

Financial Progress & Credit Score Transformation

Timeline: October 2024 – June 2026
Total Debt Reduction: Decreased from $25,568.00 to $16,095.00 (A total of $9,473.00 paid off).
Credit Score Increase: Surged from 609 (Fair) to 810 (Excellent)— +201 point improvement.

October 2024
Citi Card 1: $8,348.00

Citi Card 2: $8,060.00

IRS Tax Debt: $3,920.00

Capital One: $2,858.00

Aspen National Collections: $1,837.00

Celtic: $545.00

Total Debt: $25,568.00 * Credit Score: 609

March 2025

Citi Card 1: $8,373.00

Citi Card 2: $8,095.00

IRS Tax Debt: $3,920.00

Capital One: $2,714.00

Celtic: $131.00

JPMCB Card: $18.00

Aspen National Collections: $0.00 (Paid Off) * Total Debt: $23,251.00 * Credit Score: 665 (+56 points)

June 2025

SoFi Bank Loan: $18,500.00 (Used to consolidate and clear high-interest credit card debt) * IRS Tax Debt: $3,920.00

Capital One: $1,224.00

Citi Card 1: $953.00

Citi Card 2: $13.00

Celtic: $0.00 (Paid Off) * JPMCB Card: $0.00 (Paid Off) * Total Debt: $24,610.00 * Credit Score: 751(+86 points)

September 2025

SoFi Bank: $17,856.00

IRS Tax Debt: $3,920.00

Capital One: $16.00

Citi Card 1: $6.00

Citi Card 2: $0.00 (Paid Off) * Total Debt: $21,798.00 * Credit Score: 814 (+63 points) — Credit score officially crosses into the "Excellent" range.

January 2026

SoFi Bank: $17,068.00

IRS Tax Debt: $3,920.00

Capital One: $95.00

Citi Card 1: $6.00

Total Debt: $21,089.00 * Credit Score: 813 #### March 2026

SoFi Bank: $16,717.00

Capital One: $38.00

Citi Card 1: $6.00

IRS Tax Debt: $0.00 (Paid Off) — Major milestone achieved by completely wiping out the government tax debt. * Total Debt: $16,761.00 * Credit Score: 815

June 2026 (Current Status)

SoFi Bank: $16,095.00

Capital One: $0.00 (Paid Off) * Citi Card 1: $0.00 (Paid Off) * Total Debt: $16,095.00 * Credit Score:810 ---

🧾 Account Progress Summary
Citi Card (Account 1): Reduced from $8,348.00 to $0.00 (100% Paid Off)

Citi Card (Account 2): Reduced from $8,060.00 to $0.00 (100% Paid Off)

Capital One: Reduced from $2,858.00 to $0.00 (100% Paid Off)

IRS Tax Debt: Reduced from $3,920.00 to $0.00 (100% Paid Off)

Aspen National Collections: Reduced from $1,837.00 to $0.00 (100% Paid Off)

Celtic: Reduced from $545.00 to $0.00 (100% Paid Off)

JPMCB Card: Reduced from $18.00 to $0.00 (100% Paid Off)

🚀 Future Outlook & Next Steps
Upcoming Move: The money currently being saved up to handle the next major financial milestone is officially being redirected to cover relocation expenses for an upcoming move in a couple of months.

Budget & Direct Deposit Optimization: A new, budget is now in place. Direct deposit settings have been adjusted so that any income earned above the weekly budget threshold is automatically swept into a separate, designated bank account to maximize savings.

September Pay Raise: An upcoming promotion/raise in September 2026 will increase take-home pay by approximately $5.60 per hour after taxes.

Projected Earnings & Debt-Free Target: God willing, with everything remaining on track, this hourly raise will generate an additional $11,600.00 in income next year. With these combined strategies, the clear target is to be 100% completely debt-free by the end of next year.

is it rude to ask about someone’s deafness?

settled the debate; she’s an overall

The bunnies are really out to get us!!

Debt payoff progress