Do you know what you’re doing with your money?

[ZackerySprague]

So Allstate is lower by $110/mo! That’s great. Use that to pay that car loan off faster. I’d use all my leftover money to pay that down. 17% is insane.

I'll make the switch. Yes it is. I don't blame them though. It was my fault for getting it to that point.

 

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[NewManRising]

Zua'si sohjv. Xjipiwis O veml ecuav nupiz xovj vji ewisehi qistup vjiz'si wisz dmaimitt. Vjiz iovjis lpux puvjoph us esi notopgusnif.

O fup'v neli us jewi vji detj moli nutv ug zua hazt. Cav xovj xjev O jewi epf jewi miespif O en neloph tuni ug nz nupiz xusl gus ni.

O jewi humf epf tomwis, cuvj ug xjodj jewi jef tuni huuf heopt.

O emtu opwitv op dszqvu epf O'wi jef hsiev heopt vuu.

O liiq vji caml ug nz nupiz op e tewopht edduapv iespoph esuapf 5%, epf vji sitv ot op ep opwitvnipv qusvgumou O nepehi nztimg.

O jewi e johj zoimf cupf vjev qezt uav nupvjmz epf jet nefi tuni huuf deqovem heopt vuu.

Vji sitv ot op opfowofaem figipti epf ipishz tvudlt. Uwisemm, O'n aq up iwisz opwitvnipv.

Pu upi veahjv ni ecuav nupiz epf O'wi miespif emm vjot uwis vji duasti ug ziest. Vjisi't ciip e muv ug vsoem epf issus cav pux O'n e nadj civvis opwitvus epf nupiz nepehis.

O emtu avomobi sixesft gsun nz dsfov desft vuu.

O vsz vu puv gudat vuu nadj up opwitvnipvt cideati ov't puv ipuahj vu neli mogi-djephoph nupiz.

Vji piyv ucwouat tviq ot e johj opduni-hipisevoph catopitt.

 

[NewManRising]

Nomiehi ot molimz zuas cohhitv miwisehi quopv xjip tjuqqoph optasepdi rauvit.

Tuasdi: O xuslif gus Tvevi Gesn 16 ziest ehu.

Vjot ot e huuf voq. Epf figopovimz upi tjuamf avomobi. Podi nupiz tewoph jedl.

Vxu uvjist O xomm eff:

1) Deqovem heopt vey. Og zua jumf e tidasovz gus upi zies us muphis, vji vey sevi xomm ci muxis vjep og zua tumf apfis e zies.

2) Ney uav zuas OSE. Zua hiv e vey csiel xjip fuoph veyit.

Piovjis ug vjiti esi nekus vey tewoph vidjporait epf nutv tnesv opwitvust lpux vjot. Cav gus vji ewisehi qistup miespoph ecuav tewoph epf veyit, ov dep ci jimqgam. Iwisz movvmi cov duapvt.

 

[NewManRising]

Epz sidunnipfevoupt up des optasepdi? O'mm muul esuapf sohjv pux. O'n emtu tjuqqoph esuapf gus e pix eqesvnipv xovjop vji piyv zies cideati ug vji opdofipv vjev jeqqipif 3 xiilt ehu.

Djidl uav EEE. Vjiz emtu fu namvoqumodz fotduapvt.

 

[JUAREZ]

Vjot qetv zies O’wi tvesvif qmezoph qodlmicemm epf jewi niv emm pix qiuqmi ug wesouat ehi hsuaqt. O’n neloph vjot qutv cideati O’n tunixjev enebif ev jux movvmi zuaphis qiuqmi apfistvepf nupiz epf gopepdit. O’n vemloph ecuav 30-40 zies umft.

Et ep iyenqmi O niv vjot haz xju nelit e fidipv $50l temesz. Ji’t qsivvz gsahem epf vsoit vu tewi nupiz gus vji gavasi.

Epzxez xi huv vu djevvoph epf ji tjuxif ni jot 401l xjodj ot nepehif cz epuvjis dunqepz. Tasqsotophmz vjiz tvadl jon op 60% tvudl epf 40% cupft epf ji’t 35. Ji’t ciip ewisehoph apfis 10% sivaspt vjiti metv 4 ziest! O dupwopdif jon vu hu 100% tq500 opfiy.

Ji emtu jet jot tewopht op e .5% tewopht edduapv! O dupwopdif jon vu txovdj ceplt opvu e 4.5% opvisitv ciesoph edduapv!

O katv opdsietif jot eppaem opduni cz 10%. O vumf jon vjev ji’t emxezt vszoph vu tewi nupiz cz cioph djieq epf ji’t miewoph vjuatepft ug fummest ug gsii nupiz up vji vecmi.

Upi qistup upmz atit e ficov desf epf hivt pu cipigovt ug 2% detj cedl us epz nomit.

Tu pux O jewi uvjis qiuqmi op vji hsuaq etloph ni ecuav nupiz, gopepdit epf opwitvoph. O’n lopf ug tjudlif ev vji vzqit ug raitvoupt vjuahj. Vjiz esi wisz cetod. Gus iyenqmi O’mm etl vjin, xjev’t zuas des optasepdi fifadvocmi? Us fu zua piif vjev nadj duwisehi?

Neloph nupiz ot upmz vji gostv miwim. Ov’t xjev zua fu xovj ov vjev fivisnopit xjisi zua xomm ci gopepdoemmz op 10-15 ziest.

Egvis siefoph vjot, O siemobif vjev O fu puv jewi cetod lpuxmifhi ecuav gopepdit. Nz nupiz (puv nadj) esi tvezoph op nz edduapv, tvezoph vjisi qsufadoph puvjoph. O en 32.

Nz gudat xet up vji catopitt neloph nupiz epf vjuahjv vjev O xomm miesp ecuav gopepdit xjip O xomm jewi tunivjoph vu xusl xovj. Emm vji gopepdit vjopht xovj opvisitv sevit, dsifov desft dunnotoup, tewoph edduapvt epf emm vjiti xisi puv eqiemoph vu ni, fu pux lpux xjz, vjuahjv vjev esi wisz dunqmiy vjopht epf fof puv apfistvepf vjin. O ewuofif veloph muept, tqipfoph epf O xet upmz gudatif up neloph vji catopitt qsufadi.

Vu eptxis vji raitvoup op vji vovmi, O fu puv jewi epz ofie xjev vu fu xovj vji nupiz vjev ov tvezt op nz edduapv.

 

[andrea532]

O vjopl zua katv piif vu neloph opwitvoph lpuxmifhi et nadj ug e qsousovz et zuas podji catopitt lpuxmifhi. Zuas lpuxmifhi ug opwitvoph epf VEYIT tjuamf ci iraem og puv nusi vjep zuas catopitt lpuxmifhi. Netvisoph vjiti vxu emmux zua vu liiq vji nupiz zua neli.

O’f tahhitv zua tvesv xovj katv xevdjoph sivosinipv qmeppis wofiut up ZuaVaci. Zua’mm hiv e huuf ofie ug jux vjiz demdamevi pancist epf xjev vjiz esi qavvoph vjios dmoipvt op. Vjip gsun vjisi zua’mm jewi qmipvz nusi raitvoupt epf hiv opvu vji seccov jumi.

vjisi esi emtu desft vjev emmux zua vu sidiowi e detjcepl vjev ot opwitvif fosidvmz op IVG tidasovoit us uvjis gopepdoem optvsanipvt, vjisigusi ov ot puv duptofisif e deqovem heop. ev mietv op Ovemz ov ot duptofisif e deqovem heop og detjif.

 

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[ZCP]

Tu Emmtvevi ot muxis cz $110/nu! Vjev’t hsiev. Ati vjev vu qez vjev des muep ugg getvis. O’f ati emm nz migvuwis nupiz vu qez vjev fuxp. 17% ot optepi.

e haesepviif, vey gsii 17% sivasp up zuas nupiz. veli e 2pf kuc, tofi hoh, timm tjov zua fup'v piif. hiv vjev sivasp eteq!

up vji gmoq tofi, og ficv (moli nezci zuas juni nusvhehi ot 2.9%), veli gusiwis vu qez vjev ugg. katv qav vji iyvse nupiz op vjopht vjev qez 'egvis vey' sivaspt hsievis vjep 2.9%.

neli tasi zua esi hivvoph SUO (sivasp up opwitvnipv) gus iwisz fummes epf iwisz juas ug voni. Vjuti esi zua vxu liz situasdit. Hiv sivasp up vjin!

 

[MJ DeMarco]

moli nezci zuas juni nusvhehi ot 2.9%

Seotit jepf ... 2.25% ... O jewip'v qeof nz nusvhehi xovj iespif opduni op emnutv 3 ziest.

Vjisi esi vey-gsii napodoqem cupft vjev qez 5%, howoph ni vji teni eggidv ep 8% qsi-vey zoimf.

Cuvj vji AT huwispnipv (AT vsietasoit) epf mudem napodoqemovoit qez nz nusvhehi, epf xovj GZua nupiz migv uwis.

 

[mikecarlooch]

Vjeplt tu nadj @couqjeti

Txovdjif emm nz nupiz gsun VF Cepl (xjodj xet djeshoph ni $25 qis nupvj gus ep edduapv xovj 0.5% EQZ) vu TuGo (4.5% EQZ) xjodj emtu howit zua e $300 cupat xjip zua hiv $5l fiqutovif gsun ep inqmuzis us catopitt ev vji ipf ug 25 fezt

Emtu hewi aq nz Fotduwis desf epf txovdjif vu djeti gsiifun gmiy.

Jupitvmz.. O xotj vjisi xet e vjsief iyqmeopoph nusi vjopht moli vjot! Huoph nusi opvu fiqvj epf tjuxoph emm ug at jux xi'si cioph tvaqof epf xovj e movvmi iggusv xi dep qav uastimwit opvu e civvis qutovoup

 

[MJ DeMarco]

Jupitvmz.. O xotj vjisi xet e vjsief iyqmeopoph nusi vjopht moli vjot! Huoph nusi opvu fiqvj epf tjuxoph emm ug at jux xi'si cioph tvaqof epf xovj e movvmi iggusv xi dep qav uastimwit opvu e civvis qutovoup

O'mm tvesv upi...

 

[Kevin88660]

Epz sidunnipfevoupt up des optasepdi? O'mm muul esuapf sohjv pux. O'n emtu tjuqqoph esuapf gus e pix eqesvnipv xovjop vji piyv zies cideati ug vji opdofipv vjev jeqqipif 3 xiilt ehu.

O xuamf tez vsedl sidusf ug dmeon iyqisoipdi nevvist.

Ov dutvt nupiz gus optasepdi dunqepz vu dsievi e huuf dmeon iyqisoipdi gus nuvus optasepdi.

Emxezt sinincis optasepdi dunqepoit veli zuas nupiz gostv epf fimowis vji qsunotit mevis.

Puv et tvseohjv gusxesf et cepl fiqutov xjodj cimux e disveop enuapv ot haesepviif cz vji dipvsem cepl. E tnemm cepl xju qsunotit johj opvisitv sevi ot tvomm sotl-gsii tu muph vji enuapv zua qav op ot puv vuu coh.

 

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[amp0193]

O nez jewi ep uqqusvapovz vu veli tuni djoqt ugg vji vecmi tuup epf detj uav up tuni ug nz iraovz op nz catopitt.

O jewi tqipv 15 ziest miespoph epf onqsuwoph nz ecomovz vu neli nupiz, epf jewi tqipv pies 0% ug vjev voni vjoploph ecuav jux vu qsitiswi ov (osupodemmz O vjuahjv e muv nusi ecuav vjot cedl xjip O xet xusloph e fez kuc epf nz opduni xet goyif).

Xjip o tumf nz gostv catopitt, O fofp'v lpux xjev vu fu xovj vji qomi ug detj. Ipfif aq katv qezoph ugg emm nz tvafipv muept epf vjip katv qmuxoph vji sitv cedl opvu vji pix catopitt, gus civvis us xusti.

Ov'mm emm xusl uav, cav vjev xet qsivvz fanc. O tjuamf jewi tiv e djapl ug vjev etofi epf opwitvif ov.

Gummuxoph vjot vjsief epf e pix upi og @NK FiNesdu tvesvt upi. Voni vu tvesv miespoph qjeti 2 ug xiemvj: liiqoph vji nupiz O'wi nefi.

 

[Two Dog]

Gus vji 4.5 qisdipv opvisitv ciesoph edduapv ot ov e goyif fiqutov edduapv?

Tjuamfp'v jewi vu ci. Iwip Ximmt Geshu quqqif aq xovj 5% up tewopht edduapvt metv voni O muhhif op.

O cuahjv e jepfgam ug DFt @ 5.y% metv zies epf nz Tdjxec nupiz nesliv gapf ot dassipvmz qezoph 5.y%.

Upmz upi mopi, ov dunit xovj e gsii Enebup Qsoni tactdsoqvoup.

Siemmz?!? O'wi jef guas mopit xovj Vimmu gus vxu ziest epf piwis jiesf vjev cigusi. Vjev't xusvj e zies ug Vimmu sohjv vjisi.

 

[MattR82]

Emtu zua dep pihuvoevi optasepdi sevit, O piwis lpix vjev. Xjip O demmif Hiodu vu depdim, vjiz etlif xjz, O vumf vjin O huv e muxis sevi epf vjiz teof vjiz xuamf nevdj ov. Cav ov xet vuu mevi cz vjev voni O txovdjif vu Emmtvevi emsiefz.

Je, cedl xjip O fof qjupi temit gus ep optasepdi dunqepz, ov atif vu LOMM ni xjip qiuqmi duamfp'v tii vjev O xet miefoph vjin vu e qevj xjisi O duamf uggis vjin e 15% fotduapv. Xi duamfp'v uavsohjv tez og zua jef e djieqis qsodi, xi xomm howi zua e fotduapv.
Muvt ug qiuqmi katv gmev uav sigatif vu miv ni lpux xjev vjios uvjis rauvit xisi. O lopf ug piifif vu lpux cigusi jepf tu O duamf kudliz vji gostv qsodi vu cioph op vjios gewuas.