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You open a new card for the $200 welcome bonus while carrying the $4,100: the bonus costs $385.51
alapha888 profile

You open a new card for the $200 welcome bonus while carrying the $4,100: the bonus costs $385.51

#showdev #personalfinance #debt
Comments
4 min read
You split an $800 purchase into 4 BNPL payments while carrying $4,100 on the card: the "free" plan costs $544
alapha888 profile

You split an $800 purchase into 4 BNPL payments while carrying $4,100 on the card: the "free" plan costs $544

#showdev #personalfinance #debt
Comments
6 min read
You paid the $4,100 card late once: the $30 fee is the cheap part — the mark stays 7 years
alapha888 profile

You paid the $4,100 card late once: the $30 fee is the cheap part — the mark stays 7 years

#showdev #personalfinance #debt
Comments
7 min read
You take a $200 advance from your paycheck app to pay the $4,100 card: the $8.99 fee costs more than the interest it saves
alapha888 profile

You take a $200 advance from your paycheck app to pay the $4,100 card: the $8.99 fee costs more than the interest it saves

#showdev #personalfinance #debt
Comments
6 min read
The discharge clears the $4,100 in 4 months. Rebuilding the file takes 2 years — here's the month-by-month math
alapha888 profile

The discharge clears the $4,100 in 4 months. Rebuilding the file takes 2 years — here's the month-by-month math

#showdev #personalfinance #debt
Comments
7 min read
A $1,000 credit-builder loan while carrying $4,100 at 18.9%: the tradeline costs $121 — or $220 if you pay for it from the card payment
alapha888 profile

A $1,000 credit-builder loan while carrying $4,100 at 18.9%: the tradeline costs $121 — or $220 if you pay for it from the card payment

#showdev #personalfinance #debt
1
Comments
7 min read
The discharge is month 4. The FHA clock runs to month 28 — and the wait costs less than the brochure says
alapha888 profile

The discharge is month 4. The FHA clock runs to month 28 — and the wait costs less than the brochure says

#showdev #personalfinance #debt
1
Comments
7 min read
Paying only the minimum on a $4,100 card: 202 months and $5,394 of interest
alapha888 profile

Paying only the minimum on a $4,100 card: 202 months and $5,394 of interest

#showdev #personalfinance #debt
Comments
3 min read
Should you keep a $1,000 emergency fund while paying off an 18.9% card?
alapha888 profile

Should you keep a $1,000 emergency fund while paying off an 18.9% card?

#showdev #personalfinance #debt
Comments
3 min read
Should you pause retirement contributions to pay off an 18.9% card? What $100 a month buys on $4,100
alapha888 profile

Should you pause retirement contributions to pay off an 18.9% card? What $100 a month buys on $4,100

#showdev #personalfinance #debt
Comments
3 min read
Ask your card issuer for a hardship program, not just a lower rate
alapha888 profile

Ask your card issuer for a hardship program, not just a lower rate

#showdev #personalfinance #debt
1
Comments
3 min read
You pause payments for 3 months: the interest doesn't pause with you
alapha888 profile

You pause payments for 3 months: the interest doesn't pause with you

#showdev #personalfinance #debt
Comments
2 min read
Interest-only on $4,100 of card debt: $774.90 a year, and you still owe $4,100
alapha888 profile

Interest-only on $4,100 of card debt: $774.90 a year, and you still owe $4,100

#showdev #personalfinance #debt
Comments
2 min read
$1,000 buffer first, or every dollar at the card? The insurance premium is $346
alapha888 profile

$1,000 buffer first, or every dollar at the card? The insurance premium is $346

#showdev #personalfinance #debt
Comments
3 min read
0% balance transfer: what the 3% fee actually buys on $4,100 of card debt
alapha888 profile

0% balance transfer: what the 3% fee actually buys on $4,100 of card debt

#showdev #personalfinance #debt
Comments
4 min read
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