I loved reading your diary, thanks for sharing! You seem like a great person and very involved in your community. Also I’m glad Trippy Black Style 98 T shirt are people here reading and contributing that are not in the 25-38 avocado toast cohort (said with a ton of irony and definitely including myself there)I think it’s admirable that you give so much when you have other things you can be doing with the money. Really shows where your heart is at. Also I just caught my husband signing us up for terribly expensive life/disability insurance from a “friend” claiming to be a financial advisor but just an uncover sales agent. After a some research and a ton of reading on personal finance sub reddit, thankfully I ended it right before our application was approved. it may be worth looking into if you can end the contract.This was an interesting one, thanks for sharing! Given the equity in your house, would u consider a refi with cash out OR a home equity line of credit to wipe out your credit card debt?
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I agree with this, honestly. Mortgage interest rates are so low right now, you might find a refi option that works for you that doesn’t change your payoff timeline much And still enable you to pay off that credit card debt. I’d recommend at least looking into your options.I’ve thought about it, but we’re so close to paying it off, which will cut our payments by 2/3 (still gotta pay those Nassau County taxes). We’ll put that $ into paying off whatever card(s) are Trippy Black Style 98 T shirt – hopefully it will just be one by then. It’s not a bad idea, though.Congrats on being so close to paying that off!! A HELOC might work especially well since it is flexible and there arent (typically?) any closing costs. HELOC interest rate is variable and higher than a mortgage rate but so much lower than a credit card.Your life sounds really well balanced, and you have a plan for where you are and where you are going. I’m so impressed by how much you donate and how unselfish this is. A reminder I need to do better from now, not when I’ve paid off all my own debt
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