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Kill Your Debt Faster With the Death by a Thousand Cuts Technique
If you’ve got credit card debt, the interest is calculated on the “average daily balance.” So it’s beneficial to lower that balance as quickly as possible. And you can only lower the balance by making a payment… or payments.
The sooner you send a dollar to that debt, the less interest you’ll end up paying! It’s that simple!
Even if you can only afford the minimum required payment every month, splitting it into two payments helps. That can drastically reduce the average daily balance, and thus, the interest you have to pay. So making half of your monthly payment on the 15th of the month and the other half on the 30th (don’t @ me, February) can effectively save you money on interest. This goes for credit card debt as well as home mortgages and car loans.
Keep reading.
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🎺🎺It's donnnnne!!! 🎺🎺 For the first time since ~February 2020, all of my credit cards are finally paid off again. Between getting hit hard with covid right at the beginning of the pandemic, then being unemployed for 8 months but not actually qualifying for unemployment, then going through a series of shitty jobs that didn't actually pay a living wage, for a long time it felt like I was going to be stuck in a debt loop forever. The light at the end of the tunnel only really appeared last year after I got a promotion and raise at my current spot, and even then it still took me another year of buckling down and putting most of my additional income directly into card payments. But it's fucking done. I know that this doesn't affect anyone else but it's such a fucking relief I'm sitting here crying while I try to get ready for work and I don't really have anyone to share it with so as usual I'm just yelling it into the blog void.
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Pretty sure you’re not American so no clue how your credit scores differ but with ours when you get a new card the company runs a credit check, and that check can lower your score (batshit, I know) and it’s possible that they didn’t register the check the same. Alternatively, having a card at all can be better for your score than no card so if one company recognized the card opening before the other, it could be higher for that reason.
Good to know. I think it's generally the same. But even with this allowances there's shouldn't be a 600 point difference between the two lmao so something's going on. I just gotta work it out
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I guess i just always lived very much within my means (perks of communist parents who never explained to me what money is or how much of it we do or don't have atm) but I also got older, realized I need more than i currently have and even if it was something I could save for I have ZERO money saved (downside of having communist parents who never thought me what money is)....
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I’m really frustrated my card got locked on Friday - I’ve been going through donating $5 to roughly 12-14 campaigns for weeks now but this week it gets flagged as potential fraud? Not only that the company is closed on the weekends so I have to wait until Monday to unlock my card (if I was still living alone and had to buy my own groceries/pay for gas I would be in trouble).
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Fingers crossed bc if this does go through my life will finally start changing for the better oh my god
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Being a college student is just being spammed by loan companies telling you that “ohhh you’re so special, you’re just a special little boy,,, you’ve done what few in the past have ever been able to accomplish,,, you qualify for a student loan,,, please let us give you a loan,,,, please put yourself in debt for us,,,, URGENT: TAKE OUT A STUDENT LOAN URGENT: LET US INTO YOUR BANK ACCOUNT URGENT: IF YOU DON’T TAKE OUT THIS LOAN I’LL FUCKING KILL YOUR FAMILY URGENT: FOR A LIMITED TIME YOU CAN TAKE OUT A LOAN WITH A 24% INTEREST RATE INSTEAD OF THE USUAL 25%
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ah so uh ik donation posts are annoying but sometimes they work so i'm gonna try it cuz literally anything helps
i'm a freshman in college and recently got laid off, i found a new job but my manager still hasn't given me a start date. last week i was tboned at an intersection and the crash messed up my car's fuel line, rear axle, and door, making it undriveable. right now the estimate is ~$9,500 but that will probably increase once the car actually goes up on a lift for a full assessment. it's my parents' car but they're making me pay for it, along with the cost of a rental.
whenever i get to actually start work i'll be getting 13/hr and that's only a seasonal job.
i could really use the help. if you can't or don't want to donate then please reblog so more people see, i really hate to beg like this but i don't know what else to do.
cash app is $xdustymanx
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