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Lilian Peterson started the topic I just bought DOGE, now what? in the forum Crypto FOMO Club 2 years, 10 months ago
I know next to nothing about crypto. I decided to buy like $100 worth of DOGEcoin to see what happens. I had to get someone I work with help me set up a wallet but he didn’t have time to go into a great deal on what to do now. Do I just let it sit in the wallet and wait and see if the value goes back up?
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Lilian Peterson replied to the topic Who's insurance pays in the event a tree falls over? in the forum Insurance 2 years, 10 months ago
This happened to me, where I live. I rent so it was on the landlord and he was the one that filed. His neighbor (the guy living next to me with the tree issue) also filed after the fact and was told that his insurance can’t do anything about it.
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Lilian Peterson replied to the topic Should you accept someone paying for the damages vs filing a claim? in the forum Insurance 2 years, 10 months ago
I agree with Vince, this is a very dependable situation but at the same time, it is a risk. If it was a friend or family member, heck just someone I knew passively from work I would let them pay and not file anything but I would not risk this with a stranger.
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Lilian Peterson replied to the topic Affording a house is hard in your 20's! in the forum Real Estate 2 years, 10 months ago
Honey, I am in my 30s and can’t afford one either. LOL!
I think it is important that at least most adults (young adults) know this and don’t sign anything or get a loan they will never be able to pay off. At least we got that going for us!
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Lilian Peterson replied to the topic Would you sell a house you are still paying on for a profit? in the forum Real Estate 2 years, 10 months ago
I mentioned this in your other thread, JUST WAIT! Seriously. The market is going to see inflation and houses are going to go up in value. You will likely be able to make anywhere from 20 to 40% more this time next year.
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Lilian Peterson replied to the topic Do you have to pay insurance on a house you are not living in? in the forum Real Estate 2 years, 10 months ago
In my state, you do. The only reason you would not pay is if the house is considered unlivable. So if the water, gas, electric is shut off then you pay nothing.
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Lilian Peterson replied to the topic Budgeting for buying a home in the forum Real Estate 2 years, 10 months ago
I was working with my own numbers and as it stands, I can’t afford much of anything. A lot of people can’t but this will not stop the bank from lending out money. So you have to be careful of that. They sometimes will process loans knowing the person won’t be able to ever pay it back and will profit off you when you have to let the house go.
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Lilian Peterson replied to the topic Renting vs Buying – Which is better long term? in the forum Real Estate 2 years, 10 months ago
I am renting right now and while I don’t feel like I am throwing away money, I know if my credit scores were better it would be cheaper to just be paying off a house. That is the thing though. If you have bad credit, then you would likely not be saving anything, you would be spending more. My credit is not bad but it is only just now turning…[Read more]
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Lilian Peterson replied to the topic I owe over $50,000 (Not including my mortgage!) in the forum Debt 2 years, 10 months ago
I am sorry you owe that much. I can’t even process that. The most debt I had was 18k and it was hard to manage but over 50!? I hope you figure something out and can get those numbers down. I would work with a financial adviser if possible.
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Lilian Peterson replied to the topic Does debt go away on its own if you never pay it? in the forum Debt 2 years, 10 months ago
I think this depends on the banks. I had a few credit lines just randomly close on me. I come to find out, even though I still owed each of them several hundred, the bank itself went belly up and no debts were transferred over to another bank.
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Lilian Peterson replied to the topic What things can be taken away? in the forum Debt 2 years, 10 months ago
I don’t know the specifications but you would really need to have a lot of debt to make it work them taking you to court over it. Really, if you can’t pay and you have a lot of debt, you should file for bankrupsy. Don’t just wait and see what happens.
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Lilian Peterson replied to the topic How many cards do you currently have? in the forum Credit Card Co. 2 years, 10 months ago
I have 6 and I am down from 13. It took me a good 5 years but I managed to cut my credit usage in half. I feel like back when I had that many cards, it was easier to fall behind for sure.
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Lilian Peterson replied to the topic Is it possible to raise your credit scores +100 in 3 months? in the forum Credit Card Co. 2 years, 10 months ago
I think it is. I can’t tell you what I did for this as I was not tracking anything but I managed to get my scores up over 70 in two months so getting +100 in three months to me, would be doable. Just figure out your debts and make more payments. Maybe do two payments a month instead of one. That is what I was going. Taking money from each paycheck…[Read more]
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Lilian Peterson replied to the topic Ways to save while grocery shopping? in the forum Frugal Living Tips 2 years, 10 months ago
I would work on buying food you can make a lot of and freeze. Thing chili, soups, pasta sauce, things like that. You can easily make a bunch of that and have it for several meals.
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Lilian Peterson replied to the topic Considering downsizing my home to cut costs on utilities would this be worth it? in the forum Frugal Living Tips 2 years, 10 months ago
While I don’t own a house, if I was able to wait out the market inflation, I would. There is a good chance you might be able to get more money next summer for your house. I mean you might be able to get as much as 30k more depending on what happens and the size of your house. I would wait a bit.
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Lilian Peterson started the topic Is there anyway to cut down on powder usage for a pool? in the forum Frugal Living Tips 2 years, 10 months ago
A friend of mine is considering getting rid of her pool because the electricity in the summer months just running the filter and such is over double! That is insane. I am not too happy about this because I go to her house to swim! I was considering pitching in to just keep her from taking it down but she wouldn’t take money from me. Is there any…[Read more]
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Lilian Peterson replied to the topic When it comes to making the switch, where do you start? in the forum Frugal Living Tips 2 years, 10 months ago
I started making changes and adjusting in 2020. It wasn’t so bad. I mean you look for small things you can change to cut corners and save a few bucks here and there. Shop clearance, make use of sales and coupons and work on saving as much money as you can.
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Lilian Peterson replied to the topic Is a savings account a good idea these days? in the forum Frugal Living Tips 2 years, 10 months ago
Some people would argue you are better off taking your extra income and putting it in crypto because the USD is going to crash. I mean, the way they are printing money and handing it out to people who just don’t want to work… I feel like it is only a matter of time before that bubble breaks and a lot of us get screwed over.
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Lilian Peterson started the topic How can I make using candles safer? in the forum Frugal Living Tips 2 years, 10 months ago
I want to cut back on electricity now that it is summer. I have two AC wall units so I like to cut back on electricity elsewhere to balance things out. I would love to be able to use candles at night but I am worried that if I use candles, my risk of fires will go up a lot and I have a few cats which makes it even more of a risk. Are there ways to…[Read more]
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Lilian Peterson replied to the topic Going meatless, does it save? in the forum Frugal Living Tips 2 years, 10 months ago
I think buying as small and as local as you can when it comes to meats is best. I often find I am saving several dollars by dealing with the local butcher vs going to the chain grocery store.
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