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.

 

[Gr8t Fan]

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

$4.50 a gallon just outside of Chicago with a Sam's Club Membership. Has definitely gone up over the past week.

 

[Tygerlilly]

Gas was $3.31 a couple days ago in my part of OK. Today I went to get some and it jumped all the way to $3.79.

 

[Nettlelondon]

Curious in the UK here - is there a reason for such wild variations between states? I know there will always be some differences between locations - usually on the basis of what they can get away with - but do different states have different sales tax rates on gas or something as some of these differences seem huge.

 

[QueenIsabella]

Curious in the UK here - is there a reason for such wild variations between states? I know there will always be some differences between locations - usually on the basis of what they can get away with - but do different states have different sales tax rates on gas or something as some of these differences seem huge.

State taxes, mostly. California also has different blanding requirements that can add cost. And obviously, Hawaii is pricier, since they have to get gas shipped in. But mostly, states tax gas at different levels. It's most obvious if you live near a border to another state. Every gas pump lists how much the gas is taxed per gallon, it's just in smaller print than the posted price.

 

[focusondisney]

Another big factor is where the refineries are located. There are none in our Great Lakes area. So there’s a lot more shipping costs involved before it gets to us. Areas like in the gulf states that have a lot of refineries have much lower prices than other areas.

 

[WDW_fan_in_TX]

Just saw a news story about gas making the biggest day to day jump since this all started. And what's crazy is the price per barrel for oil actually FELL yesterday. Yet, gas prices went up. It doesn't make any sense. By the way, it's $3.59 around the corner from the house in DFW.

 

[piglet1979]

In just a few days we jumped from about 3.30 to 4.99. It pretty much went up a dollar overnight.

 

[afan]

State taxes, mostly. California also has different blanding requirements that can add cost. And obviously, Hawaii is pricier, since they have to get gas shipped in. But mostly, states tax gas at different levels. It's most obvious if you live near a border to another state. Every gas pump lists how much the gas is taxed per gallon, it's just in smaller print than the posted price.

Washington has switched to a summer blend which always raises it a bit. Our taxes are in the top 5 in the country. Demand has a lot to do with it.

Just saw a news story about gas making the biggest day to day jump since this all started. And what's crazy is the price per barrel for oil actually FELL yesterday. Yet, gas prices went up. It doesn't make any sense. By the way, it's $3.59 around the corner from the house in DFW.

Never try and figure it all out, you'll just drive yourself crazy. It's not tied to oil as much as it should be. They raise the gas prices when that gas was made with cheaper oil. And it'll take months to a year for prices to get back to whatever normal is. Ours never went back to precovid normal...

 

[WDW_fan_in_TX]

Never try and figure it all out, you'll just drive yourself crazy. It's not tied to oil as much as it should be. They raise the gas prices when that gas was made with cheaper oil. And it'll take months to a year for prices to get back to whatever normal is. Ours never went back to precovid normal...

And that's crazy. They're making such a big deal about that straight thing over there, and thus gas is going up. Yet, the 2 don't go hand in hand, according to what you were saying. Also, we've been getting letters of intent to raise prices from every vendor. All o them say due to uncertainty overseas. Not sure what that has to do with what we're selling, but I guess it's just an excuse to raise prices.

 

[afan]

And that's crazy. They're making such a big deal about that straight thing over there, and thus gas is going up. Yet, the 2 don't go hand in hand, according to what you were saying. Also, we've been getting letters of intent to raise prices from every vendor. All o them say due to uncertainty overseas. Not sure what that has to do with what we're selling, but I guess it's just an excuse to raise prices.

Gas and oil have always gone this way. Oil goes up today the price of the tanker full of gas goes up even though any oil being bought today doesn't turn into gas for awhile.

Oil prices go down today that tanker full of gas doesn't go down since it was made when oil cost more.

Only time I've seen huge drops in gas prices was during covid and that was due to demand. It also feels like now that gas is so much more than it was 30 years ago that the price swings are way more noticeable. Oil and gas companies will always get their huge profits.