Debt Dumpers 2026

[pblack]

I've sold things on Mercari and have had decent luck depending on the item(s). I tried Ebay, but just didn't really understand the whole process. To me, Mercari is pretty straightforward.

I decided to apply for a new credit card with 15 months at 0% to fund our backyard projects this year. I had been debating just doing a balance transfer, but decided that it would be easiest to have a credit card that I can just charge too in case unexpected things come up. This card will mainly be for: replacing our patio cover, grill gazebo or just a regular gazebo as we're undecided, and finishing up our bar top. My plan is to have whatever we end up charging to it paid off by the end of the 15 months. I also opted to do a cash back credit card so that way I can also apply the cash back we earn to help pay off our purchases.

We've also decided we're going to Cabo in June for 3 days. This will be our first time trying out an all inclusive (outside of day trips on a cruise). I've booked our flights with a combo of SW points and cash and we just need to pay for our resort still. We had planned on booking a cruise in November, but something kept me from booking it, and come to find out our friends 40th birthday party will be the day we were supposed to get back and we wouldn't get back in time for it. While I knew they were planning a party, I thought it would be the weekend after we get back. So i'm glad I hadn't actually booked the cruise yet and we're rethinking if we want to try and move our vacation to a different time frame, or do something different.

We're currently getting hit with a bunch of rainy winter storms and while I know we need the rain, it's definitely amped up my seasonal depression again. I really want to make more progress on our backyard projects, but the rain is putting a damper on that.

 

[Bellex917]

I get it-we had to have an electrician out this month and there's some further issues but I don't want/need to deal with them until the weather is nicer. it also grates on me to have to pull from our 'savings'. it's a mental thing-in my mind it's 'savings' and supposed to be 'saved'. one thing that's helped me deal with it over the years has been taking a set dollar amount each month and putting it into a separate designated bank account we call 'the reserve' and just letting it build up and roll over, not pulling from it except for repairs. mentally it just sits with me better.

Similarly, I have an account called "House EFund" and to me I know that one is meant for house repairs... but I STILL feel sad LOL. I'll do it, but it bothers me lol!