Debt Dumpers 2026

[barkley]

Just talked to the bank about options regarding my car loan. My thought is that since my current APR is a tad high at 23.9%, I would like to try and take a loan at the bank if I can get a lower APR and lower payments. I've now got a higher credit score since I don't have the CCs anymore, and I paid off the bank loan. And my DTI isn't as high either. So hopefully that helps. We will see what they say. If they decline, then there's really no other options. And I'll just continue paying monthly payments and pay it off normally.

if you have any local to you credit unions, even if you don't belong at this point-give them a call and see what they might be able to offer. years ago we had a car loan with Wells Fargo and they ticked me off so I went looking elsewhere. called a couple of local credit union and despite at the time us not having stellar credit they still offered a MUCH BETTER rate and a discount if I did auto pay from the credit union account I would need to establish ($20 minimum balance which is still the rule today). just for the heck of it I just did a quick search on 3 of our local credit unions-rates as low as 4.74% on used vehicles (up to 7 years old) and a .25% discount for using auto pay (loan rates up to a max of just below 15%). we continued paying our old Wells Fargo payment amount and paid off the car WAY AHEAD of time.

 

[WDW_fan_in_TX]

if you have any local to you credit unions, even if you don't belong at this point-give them a call and see what they might be able to offer. years ago we had a car loan with Wells Fargo and they ticked me off so I went looking elsewhere. called a couple of local credit union and despite at the time us not having stellar credit they still offered a MUCH BETTER rate and a discount if I did auto pay from the credit union account I would need to establish ($20 minimum balance which is still the rule today). just for the heck of it I just did a quick search on 3 of our local credit unions-rates as low as 4.74% on used vehicles (up to 7 years old) and a .25% discount for using auto pay (loan rates up to a max of just below 15%). we continued paying our old Wells Fargo payment amount and paid off the car WAY AHEAD of time.

Thanks for that. We just decided to try that bank first because DW is a loan officer there. If that doesn't work, then I'll try and find a CU to join. I don't really want to join and open another new account. But also, the car is 10 years old. I bought it used in 2022 when it was 6 years old.

 

[barkley]

Thanks for that. We just decided to try that bank first because DW is a loan officer there. If that doesn't work, then I'll try and find a CU to join. I don't really want to join and open another new account. But also, the car is 10 years old. I bought it used in 2022 when it was 6 years old.

yeah at 10 years it's tricky. fingers crossed that you can get something at a lower rate.

 

[Twilghtsprkle]

Gold is up, people, and we got nearly $800 at a local jeweler from some old rings that were just laying around. He was SUPER nice and kept telling us if we had any sentimental attachment to any of them to NOT sell them to him because he was just going to melt them down.

I inherited them from a great aunt who was like four and a half feet tall. The only person I ever saw those rings fit was my three year old at the time.

Also they were ugly.

I don’t have a local jeweler I use. How would I pick a spot? I have some broken earrings and some kid earrings that my kids never could wear (their earlobes were too thick). Not expecting much but just want them out of my jewelry box.

 

[barkley]

looked at the grocery ads and there are some 'decent' (as in not bad given recent prices) sales on ground beef and shredded cheese (guessing Cinco de Mayo promotions) so I set up an online order to do curbside pickup-i love that I can designate the size packages of ground beef I want and not have to dig around the in-store display time to play freezer tetris!

 

[enzy65]

Gas here in IN in a college town is 4.99/5.99 today. Monday I filled up and it was 4.09/5.09, my car takes premium. Going on a 9 day road trip and normally spend 3-400 for gas I’m sure it will be double.
How’s the prices in IL, IA, MO, KS and OK??
Last week I bought pricey airfare IND to FLL for 2 and it was close to $1,000.

 

[Mackenzie Click-Mickelson]

How’s the prices in IL, IA, MO, KS and OK??

IDK about MO as I haven't been across the state lines in a bit (and gas near the airport is a poor way to compare) but we filled up the other night in KS for 3.30 something (I don't remember the odd cents but it was in the 30s) but other gas stations were already up to 3.79. The same gas station we filled up at a few days ago is now $3.80 at the moment. A tanker for depositing gas was pulling in as we were starting to fill up so it probably raised not long after we left.