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snarf

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    Austin Texas

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  1. Thanks @IndyPoolPlayer . I thought enough of the picture was evident when I stated my savings was depleted. Which would cover unemployment periods.
  2. @IndyPoolPlayer I disagree, I just had a talk with my current contract project, and I may lose that job at the end of the month. So if I overpay these loans, what will I use to pay the mortgage next month?
  3. Due to unexpected expenses savings was depleted, Now, I can not pay more than the minimum until savings is built up. Gotta take care of me first, then unsecured debt.
  4. Actually that monthly net is 6000 before I've paid my expenses. Do you want what I have left after I've paid all my bills?
  5. @centex A student loan and a car loan added together total 12K. I'm not sure what a monthly nut is but I certainly am one on a monthly basis. My monthly net is 6000. I'm not paying more than the minimum so that I can build up an emergency fund for job loss periods.
  6. About 3-4 years / or until I have a big chunk to pay off. Whichever comes first.
  7. I have 2 loans for car at 5% and education (private) at 8% totallying around 12,000. Upon looking into consolidation loans and/or private bank loans I can not find a loan at less than 7% or 8%. My fico is at 770 and will likely go to 800 after a recent dispute. If I use 0% intro rates, this would mean I would need to continue to open new accounts after each 12 - 16 month 0% intro APR run. Should I use credit cards at 0% to transfer this debt ? What are some other options if any?
  8. Thanks centex , I will check my return if I received a tax benefit. At some point this year I will be positioned to shovel close to a grand. But in case that doesn't happen, I'm looking into options.
  9. Hi , I have $8500 in a private student loan with Aspire Servicing at a rate of 7.99%. I'm looking for ideas of how to get this rate lowered with another loan. All the other loan options I have looked into have the same rate or worse: private bank loans, other debt loands etc. I was thinking of doing a 0% balance transfer on about half. And juggling new offers for a while. My Fico is around 750. Any ideas , pointers are appreciated. Thank you.
  10. Hi , I didn't file BK. I just called and they don't do statements. I'll look into if there is a car loan forum here so I can shop around for better rates.
  11. Hi there, I've been searching but I thought I would ask: Are creditors required to give you monthly statements? And are they required to provide the interest rate to you in a way such that you don't have to call them every time to get it? (i.e. I want to log in and see it) Thanks
  12. What is is called on this platform? I'm looking for the master thread here, not on FatWallet.
  13. App-o-rama is what you call applying to multiple credit cards on the same day?? weird.

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