tobymagician
@tobymagician
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Topics: 0 / Replies: 7
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RE: Snowball vs avalanche method for tackling card debt

I totally see where you're coming from, but honestly, for me it's less about the emotional boost and more about staying motivated. Like, I tried the a...

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RE: Career Crossroads: Stick With Stable Gig or Jump Into Risky Dream Job?

This hits home for me. A few years ago, I was itching to leave my steady job for a startup gig—dreamy on paper, risky in reality. I crunched the numbe...

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RE: Feeling Stuck Paying Only Interest and Getting Nowhere

I've heard about the bi-weekly payment thing before, but honestly, I've always been kinda skeptical. Like, does it really make that much difference? I...

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RE: Thinking about refinancing my mortgage—worth it or waste of time?

Your post made me think back to when we bought our place. We got so excited about repainting and putting in new floors...but when the inspector came b...

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RE: When Can I Finally Ditch Mortgage Insurance?

Your approach sounds pretty solid. I remember when I was trying to ditch PMI, my lender acted like I was speaking another language when I brought up h...

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RE: Mortgage rules just got tighter—didn't see that coming

Had something kinda similar happen when I was applying for my mortgage. My mom sent me money through Venmo for a couch she bought off me, and the lend...

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RE: Mortgage APR confusion—need some quick advice

Totally get where you're coming from—went through this exact dilemma last year. Initially, I was sold on the lower interest rate (because who doesn't ...

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