Whatever you do dont use those debt consolidation companies that advertise on Instagram. Most are scams. A personal loan from a credit union at lower interest is legit though if you qualify.

0 votes · 20 hours ago

Also check credit unions for better rates before giving up. 8.9% is dealer financing which is usually marked up. My credit union gave me 5.9% with similar credit score.

0 votes · 20 hours ago

Dont forget quarterly estimated taxes though. If you owe more than k at the end of the year youll get hit with penalties. Set aside 25-30% of your gig income for taxes as you earn it.

0 votes · 22 hours ago

I keep Chase for the one time a year I need a branch and everything else at Ally earning 4.5%. Best of both worlds. Just dont keep much at Chase.

0 votes · 1 day ago

First thing - call the hospital billing department and ask for an itemized bill. Like every single charge listed out. Half the time there are errors or duplicate charges. Second, ask about financial a...

5 votes · 1 day ago

Immigration attorney here (though this is general info, not legal advice). As a Canadian software engineer, you actually have some good options. **Your main paths:** **1. TN Visa (fastest, but tempo...

0 votes · 1 day ago

I was you 3 years ago. Heres what finally worked: **The problem with most budgets:** theyre too detailed and require too much daily tracking. Life happens and you give up. **What worked for me - the...

0 votes · 2 days ago

I've been a senior frontend dev for 8 years and have hired many junior developers. Here's my honest take: **Learn React. Period.** Here's why: - React has ~40% of the frontend market share - 80%+ of...

0 votes · Jan 04, 2026