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Uppity debtmaxxing zoomer with specific carpet tastes isn't a fan of r/personalfinance

https://old.reddit.com/r/personalfinance/comments/wdjbac/best_way_to_finance_5k_loan_for_home_improvements

I closed on a house for $195k in January. I have $187k mortgage remaining today.

I'd like to take out $5k maybe $6k to install some carpet and a fence - what would be the best way to do it?

I'm 23 with a 725 credit score. No other debts besides mortgage.

3.5% down ✔

Lowes/Homedepot will do it if you go with their installers. We did if for a fence.

Thanks, I'm looking at a specific brand of carpet they don't carry though :(

Beggars can't be choosers.

Beggar? I've paid my way through life, surely not asking for a handout.

Thinks you can earn things :marseyfacepalm:

I could sell my house and break even. What's the risk? $10k is a sizeable amount for a medium disaster plus several kinds of home insurance. Many of you here are in a mindset that is so negative and deters people away from owning homes. Acting like it cannot be done.

Housing only goes up ✔

Get a 0% interest introductory credit card, there’s a bunch out there right now, you should qualify easy. But you really should work on your savings plan.

Thanks, best answer so far

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