She's trying to pull a nikacvoaodcanikovavcacodo and it's baffling.

Vile.

g

knife attack

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

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

/r/personalfinance isn't happy about this one

https://rdrama.net/post/90316/as-all-true-drama-lovers-should

also check out the documenting of the festival above. I'll be scouring the facebook groups posting the best screenshots all week.

The offending post

Ive lived in the same shitty apartment in the Bay Area for 7 years. My rent has gone from 1300-3500 in seven years. They’ve raised it so much I no longer qualify for this or any other apartment since you have to make 3x the rent, and pay first last and deposit to move in, so the move in costs alone are over $9000. I can’t leave, nowhere to go, too poor to move. I’m slowly being sucked dry of all of my accomplishments and savings.

You need to leave the city If possible of course* The city is too expensive now.

BTW I live in a town of 4700 people, my mortgage for a house with shop/garage on a double "city" lot is 640 a month!! If you were to bail and find a work from home job you could literally get a house in rual America for less than what you paid for your s***** apartment 7 years ago.

The usual responses

Except there's like...nothing IN those tiny towns. So sure, my mortgage would be 640 a month, but I couldn't get more than 10up/10down broadband internet without paying out the butt for satellite and to go to any big store I'd have to drive an hour to the next town over.

Yeah people always seem to forget that nobody moves to the city for the space and cheap living, people move to cities because of the culture and opportunities it affords. There’s nothing wrong with living in a rural community obviously, but it’s an entirely different situation, with an entirely different set of pros and cons.

This is such reddit thing.

High COL? Move to the rural cheap area.

See a video of cops fricking with minorities, people with crazy trump flags or religious hostility, a total lack of infrastructure, meth heads breaking into shit or whatever crazy third-world stuff and the comments are like "move to a better place".

Can't we have a decent place, especially for those who wouldn't fit in a white Christian nationalist neighborhood that isn't ridiculously expensive? Oh, and jobs

Why do west coast city dwellers always think every thing else is some rural shit hole? If you move to some po dunk 1200 pop town in Southern Ohio then that's what you'll get. If you live in any of the three big Ohio cities or their suburbs you don't have to deal with that shit for the most part. Plenty of cheap rent, jobs and culture.

I'm not West Coast. I'm in the suburbs of Virginia.

Ohio? If I would have moved somewhere simply for cheap rent, I rather go live in Montenegro or Kuala Lumpur. Ohio?

Some very angry responses to this one:

If you pay 3500 for rent how are you too poor to move?

how fricking old are you. you sound liek a kid who hasn't had real life yet

do you understand that if someone is only making enough money to break even (or have minimal savings) they won't be able to save enough to move.

Jannied into oblivion. Unddit was able to capture most of it:

https://undelete.pullpush.io/r/Economics/comments/wdfpwu/millennials_are_finding_it_harder_to_survive_as/iii6ql1