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I stopped drinking. I don't smoke weed very much anymore (I was going through an ounce a week to deal with my depression and now I smoke maybe once a month). I solely produced an EP for a local guy that has sold ~75 copies through various digital outlets. It's not exactly platinum but it's one of my biggest accomplishments in my lifetime. Although listening to it now, I think it sounds like poo poo simply because I've made leaps and bounds of progress with music production. I had the best semester of my life in the fall. And when I say "of my life" I am including all the way back to high school, which I graduated from ten years ago. I made it a year without a single bill being late. I am 100% out of debt. My credit score went up 160 points. My financial situation is better now than I can ever remember it being (I even had money to buy decent Christmas gifts this year!). I'm not in a mansion but I have almost everything I need with some spending money to boot. I almost have enough for a car and should be able to afford a nice one in another month or two. I could get one now, but I live in a small town and it isn't necessary so I'm saving for something a little nicer. Oh, and Monty. He's the best part of every year and every day. He turned 2 in August. I am finally at a comfortable spot and for the first time in as long as I can remember, it is going to be somewhat difficult to make next year better than this year was for me. Thanks for reading my end-of-the-year-jerk-off session.
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Dec 31, 2016 18:33
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| # ¿ May 16, 2024 14:41 |
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Soulex posted:Please do that goddamn thing I tell everyone to do and your score will go higher. The thing about challenging everything on my credit report? If that was you then I got a few questions for you. 1) what are the negative consequences, if any? 2) where specifically do you dispute everything? My bank that I may get a car loan from uses equifax, just FYI. If this works I might apply for a car loan. The credit union here does a little over 2% financing for people with great credit (720+, I'm at 690 at the moment, but it's not solely based on score -- I have two years or so before things start falling off) and I wouldn't have a problem with a ~$10k loan with that type of rate. boop the snoot fucked around with this message at 03:17 on Jan 1, 2017 |
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Jan 1, 2017 03:15
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Glad things are going well for you Bolly Hopps. And this:holocaust bloopers posted:yea that military transition is over and done with now that my civilian life is on the move. is some true poo poo and probably why life is going so great for me now. I still have some issues to work out (I need to get a better handle on myself when I get a certain level of angry) but goddamn was 2016 good for me and my mental health.
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Jan 1, 2017 03:52
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Soulex posted:1) no. I have had one company reply back and it basically said "um, no dude you owe us money" but it is passed 7 years and that company is sharky as gently caress so gently caress them. Never paid them, just ignored them. Fell off my credit score a while back. I don't owe anyone money except for my credit cards. I don't consider that "debt" in the sense of "I am 100% out of debt" because I use it responsibly and it isn't a burden to me like having to spend the next year paying it off. It gets paid off monthly in full or very close to it. I have two capital one cards and I use my one that has the best cash back rewards for purchases and I use my other one for automatic monthly charges (Netflix, Apple Music, etc). They report my stuff to the credit bureaus around the 9th of every month so I make sure to have my balance below 20% of my total limit as soon as I get paid on the 1st, and I make sure I don't go over that 20% until a few days after the 9th just to be safe. USAA declined a loan for me because I have unpredictable income, or something of the sort since my GI Bill will be done next spring (when I graduate -- I'll still have some benefits left but I'm not sure if I'll take another semester just because, it really depends on where my life is at at that point. The credit union here that I plan on applying for the loan for will work with me on a more personal level than USAA will. With my current credit, I was planning on getting a 12 month loan on $4-5k, with $2000 sitting in an emergency account in case something happens and for some reason I can't pay my bill out of my monthly income. I'm trying to find a balance between putting that $2000 towards the loan, keeping some of it in the bank as an emergency car payment fund, and keeping some set aside for repairs. I will be driving MAYBE 6000 miles a year with one road trip to and from Florida per year, so it needs to be reliable, but it doesn't need to be pristine. My school is a six mile round trip, the grocery store is a mile away, and anything worth doing in this town is somewhere in the middle of those two distances. I have no idea why I'm saying all this, but this is the situation and any advice would rule!
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Jan 1, 2017 05:36
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Your attitude for 2017 should be: I would rather be let down by my expectations of a good year than have my expectations of a bad year be met.
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Jan 1, 2017 06:10
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Take the med board. It streamlines your VA benefits if you'll get any. If you never follow any advice that anyone gives you, please follow this.
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Jan 1, 2017 13:42
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My medboard loving sucked. It took about 19 months, which is admittedly abnormally wrong based on what I saw with every other soldier in WTB with me. When I got there it was one group of people getting medboarded and by the time I left the entire platoon had turned over twice. It made me miserably lonely and suicidal on a regular basis. I got hooked on the drugs that the doc was giving me because being stoned took me out of my own mind and provided me the comfort of not really being in reality for a few hours. A few times I was tempted to try and OD. I hated it. I wanted to die. It was 100% worth it compared to what people who get out and apply for disability compensation go through. My story is probably a little more on the obscene side as far as the process goes, and I would do it again even if I knew it was going to be even worse. Seriously, take the medboard. The military has probably hosed you in one way or another. Put yourself in the best position to get something beneficial out of it. boop the snoot fucked around with this message at 15:26 on Jan 1, 2017 |
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Jan 1, 2017 15:24
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| # ¿ May 16, 2024 14:41 |
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10 out of 12 ain't bad.
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Jan 2, 2017 15:01
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