I can empathize Pizza: I am finally getting around to paring down some too.
Paid off the Alliant loan even though it had a few months to possibly run on it, I have SD'd Fido, Barclays whatever it is now, my Penfed PLOC, and the Discover card until I get the "closed by credit grantor" which may not come anytime soon. I am also going to be closing the Costco card before February when the membership comes due again, just never really used the Costco membership as much as I should've and given how busy my life is going to be working two gigs one of which still has me up in San Francisco every so often, well, don't see my kicking my restaurant habit anytime soon.
The BCE is seemingly held open by my $10 a month on the Zync (recurring donation to the local NPR station) and my occasional use of the biz SCP potentially, both of which I'm keeping anyway.
The USAA card has been SD'd for years but I don't think that's going anywhere given all my insurance is through them.
So 5 accounts either closed or in process of being closed/ignored till closed, and another couple permanently in the SD and if I lose it ain't no big thing. Maybe I will get antsy and just close them all at the beginning of the new year... oh the First Tech card that I got for international incidentals via C+P (which exists nowhere in Asia that I found) has yet to be used not once and I'm not running out to use that either so that I suppose is another.
Sigh, all these useless accounts other than padding my aggregate CL, I should do better... just my entire relevant financial life is run through Chase now and I'm not really thinking diversification either at this point.
@Revelate wrote:I can empathize Pizza: I am finally getting around to paring down some too.
Paid off the Alliant loan even though it had a few months to possibly run on it, I have SD'd Fido, Barclays whatever it is now, my Penfed PLOC, and the Discover card until I get the "closed by credit grantor" which may not come anytime soon. I am also going to be closing the Costco card before February when the membership comes due again, just never really used the Costco membership as much as I should've and given how busy my life is going to be working two gigs one of which still has me up in San Francisco every so often, well, don't see my kicking my restaurant habit anytime soon.
The BCE is seemingly held open by my $10 a month on the Zync (recurring donation to the local NPR station) and my occasional use of the biz SCP potentially, both of which I'm keeping anyway.
The USAA card has been SD'd for years but I don't think that's going anywhere given all my insurance is through them.
So 5 accounts either closed or in process of being closed/ignored till closed, and another couple permanently in the SD and if I lose it ain't no big thing. Maybe I will get antsy and just close them all at the beginning of the new year... oh the First Tech card that I got for international incidentals via C+P (which exists nowhere in Asia that I found) has yet to be used not once and I'm not running out to use that either so that I suppose is another.
Sigh, all these useless accounts other than padding my aggregate CL, I should do better... just my entire relevant financial life is run through Chase now and I'm not really thinking diversification either at this point.
@Revelate, I dont like it when you work 2 contracts !! But, I understand, gotta strike while the $$$$$ is hot, like you need it though, LOL. Sure miss you! 
@pizza1 wrote:@Revelate, I dont like it when you work 2 contracts !! But, I understand, gotta strike while the $$$$$ is hot, like you need it though, LOL. Sure miss you!
*hug* Worst case you know where to find me 
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Not at walk away money yet my friend and so while I don't need it immediately ostensibly, I do need it longer-term; however, decided to be a good boy and not buy the Tesla Model 3 and instead first pay off the residual CC expenses, then airstrike the languishing HELOC balance, and if the market is still awkward just start throwing free cash flow at the mortgage.
It's simple finances I guess, but when I get to the point I don't have a housing payment which might be sometime in the next 3-4 years if I really hardcore start paying down my mortgage while just maxing out the 401k and the traditional IRA (even if not deductible) as far as long term savings go, this all gets really easy from a financial perspective as it doesn't look like I'm going to have a massive burn rate increase and that literally drops nearly 2k/month straight to my bottom line, which cuts my monthly expenses nearly in half.
Being utterly out of debt though is still like ~240k away (post-tax) and that happens a lot faster at 80 hours per week than 40, long as I can keep my poop in a group at any rate but I think I can manage both of these together fairly easily, only real pain point is the travel up to SF occasionally but what the hell, might take the Medellin marketing approach and as long as I'm doing well at the one that wants to be my one and only (the lower income and ostensibly more work of the two), just make more upside for them than the downside heh.
Course now the one in SF has an SVP sniffing around as to what it would take to get me to move to the Bay Area... I know, first world problems hahaha.
