More progress.... :)

[Irisa]

I had a feeling this was going to happen   

Congrats on the new loan and lower rate!

[tcbofade]

Thank you.

Why do I feel like I'm in trouble?

[Irisa]

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@tcbofade wrote:

Thank you.

Why do I feel like I'm in trouble?

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You're always going to be in trouble when you jump the fence, but we still love ya lol

[SnackTrader]

No one is in trouble, in my opinion. As long as these actions are moving you forward (NO NEW DEBT!!!), I support leaving the Garden whenever it benefits.

[09Lexie]

I agree!

[djc1puno]

congrats!

[_jb_]

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@tcbofade wrote:

1.6 to pay off current loan.

4.6 paying off various credit cards.  (SIX of them!)

1.1 that I ain't decided yet! 

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Congrats. My only question is about that $1.1k that you have not decided how to use yet. Is there other current debt with higher interest that you could apply that towards (car loan maybe)? If not, you might think about just making a $1.1k payment back to the loan, otherwise you are borrowing for nothing at 14.99%.

[tcbofade]

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@_jb_ wrote:

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@tcbofade wrote:

1.6 to pay off current loan.

4.6 paying off various credit cards.  (SIX of them!)

1.1 that I ain't decided yet! 

---

Congrats. My only question is about that $1.1k that you have not decided how to use yet. Is there other current debt with higher interest that you could apply that towards (car loan maybe)? If not, you might think about just making a $1.1k payment back to the loan, otherwise you are borrowing for nothing at 14.99%.

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Good point.  The car loan is at 4.7%, so I'm not going to prepay that...I'm sure that the other 1.1 will end up reducing util on some other card, I just don't know which one yet. 

[tcbofade]

Oh yeah... I just discovered...they did NOT pull my credit... I noticed that the score was the same as it was last month when they refinanced the car...that'd be because they used the same pull!

NO INQUIRY!  Woooooooooooot!

[SnackTrader]

No INQ means a few more points on the score!