morpheus0327 on his journey

[Kat58]

Meanwhile, Chase gave me an auto CLI on my Freedom Unilimited.

From $11099 to $13600, that is an increase of $2501.

 

Same Chase, the one company that stabbed my life about 12 years ago. And others followed suit.

Now a history. Thanks CB.

 

Wow!!! An auto increase! They must REALLY like you (now)

[morpheus0327]

 

Wow!!! An auto increase! They must REALLY like you (now)

 

 

Such a tremendous change... only effective mentorship can bring.

Once enemy, now thinks me as friend.

Magical of you, and how stupid of them.

[cv91915]

I feel a little dirty watching the CLI orgy in the last several posts.

[morpheus0327]

I feel a little dirty watching the CLI orgy in the last several posts.

 

Haha! Baby steps to '850^3' pornstar'tude... giving credit where due.

[morpheus0327]

Yet another CLI -> AMEX.

Raised from 4.5K to 12K

With that, my cumulative credit line crosses $100K!!! 

 

Also, In a few minutes I will be on my way to pay down a car loan and remove bank as lien.

[cv91915]

17 minutes ago, morpheus0327 said:

Yet another CLI -> AMEX.

Raised from 4.5K to 12K

With that, my cumulative credit line crosses $100K!!! 

 

Also, In a few minutes I will be on my way to pay down a car loan and remove bank as lien.

There, that's better!   

 

Congratulations!!

 

And you're paying off a car?  

Edited August 31, 2018 by cv91915

[morpheus0327]

4 hours ago, cv91915 said:

And you're paying off a car?  

Ya! 

[morpheus0327]

4 hours ago, cv91915 said:

There, that's better!   

 

Congratulations!!

🙂 thank you. For showing the way.

[cv91915]

30 minutes ago, morpheus0327 said:

Yet another CLI -> AMEX.

Raised from 4.5K to 12K

With that, my cumulative credit line crosses $100K!!! 

 

Also, In a few minutes I will be on my way to pay down a car loan and remove bank as lien.

 

17 minutes ago, cv91915 said:

There, that's better!   

 

Congratulations!!

 

And you're paying off a car?  

 

14 minutes ago, morpheus0327 said:

Ya! 

 

  

 

Beautiful!!!!!

[morpheus0327]

4 hours ago, cv91915 said:

 

 

 

  

 

Beautiful!!!!!

Thank you!

 

Also thanks for setting up the fundraiser for Breeze. 👍

[morpheus0327]

Hi Ya'll!

 

Been about 8 months since I last posted in this thread - a lot has changed.

OP got a new job! Good one!

Total credit line has gone up to $150K. Can't believe, what a few years can do. Just three years ago, in April 2016, it was $24K with over 90% utilization. Today the utilization is less than 10%.

Equifax says 802 - Experian 786, TransUnion 792, so... almost there.

Plus OP is mercilessly cutting down the debt. Wants to be debt free in less than a year and it seems doable now.

 

Preparing to buying a home or maybe will move to a bigger apartment - this one is ridiculously small - will be reading a lot about mortgages, renting vs buying, property taxes et al. in the next months. Any suggestion(s) on what to read will be highly appreciated.

 

Present job and left-over work from previous job hardly give time to research much about home-buying. Also want to start a small business. Don't have much idea but will figure.

 

That it - great to see this board doing awesome service. Heart still feels heavy for Breeze, but I'm sure she'd be at a much better place.

[cv91915]

9 hours ago, morpheus0327 said:

Hi Ya'll!

 

Been about 8 months since I last posted in this thread - a lot has changed.

OP got a new job! Good one!

Total credit line has gone up to $150K. Can't believe, what a few years can do. Just three years ago, in April 2016, it was $24K with over 90% utilization. Today the utilization is less than 10%.

Equifax says 802 - Experian 786, TransUnion 792, so... almost there.

Plus OP is mercilessly cutting down the debt. Wants to be debt free in less than a year and it seems doable now.

 

Preparing to buying a home or maybe will move to a bigger apartment - this one is ridiculously small - will be reading a lot about mortgages, renting vs buying, property taxes et al. in the next months. Any suggestion(s) on what to read will be highly appreciated.

 

Present job and left-over work from previous job hardly give time to research much about home-buying. Also want to start a small business. Don't have much idea but will figure.

 

That it - great to see this board doing awesome service. Heart still feels heavy for Breeze, but I'm sure she'd be at a much better place.

Outstanding update!!

 

Take a look at this rent vs. buy calculator...  it's the most comprehensive one I've seen:  https://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html

 

Save up the minimum down payment that will let you avoid PMI and/or an inflated interest rate.  

 

Usually that's 20%, but some portfolio lenders will do less than that.  

 

Also make sure you have enough emergency savings to cover one or more unexpected big ticket repairs (roof, HVAC, major plumbing incident, etc.). 

 

Aside from that, you have great scores, so the rest is choosing the best mortgage product, which is just math.  And you can obviously do math.