redditenjoyer737

redditenjoyer737 t1_je9n7k2 wrote

You are spending way too much time and energy obsessing over your credit score. You're likely also over-spending because you have the ability to charge. You "spent a little extra" because it was easy and convenient because you had the headroom on your credit to do it. Had you had the cash on hand, you might have decided not to spend it.

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redditenjoyer737 t1_jadkis0 wrote

Snowballing (assuming a mininum payment of $235 on the SL and $400 on the PL + an additional $500/mo) would result in a total interest paid of $9,037

Avalanche method of paying highest interest first would mean $3,968 would be paid in interest.

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redditenjoyer737 t1_jadejgs wrote

I got a new Pixel 7 for free several months ago by trading in my old phone (Motorola G4 or something or other that I bought for $150 and had a street value of $5. The deal was literally, trade in any phone and get the Pixel 7.

So look at what your provider is offering in terms of deals and if you aren't super picky about having the latest and greatest features, you can get a very functional, useful phone for cheap to nothing.

I'm like you - I'd never pay $1,000 for a freaking phone.

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