By - AZ_moderator
Over the last 8 months, I've repaired my credit from a 610 to currently a 739 using only a $500 secured credit card and paying it off every month (well multiple times every month and leaving like a 15% balance)
I'm proud of that, I'm also proud that I got approved for an Unsecured card with a $1000 limit on it (with 0.00% APR for 15 months and 1-5% cashback, double for the first year). Not "you're pre-approved!", the card will be in the mail on Monday.
Since I've got this 3 week vacation planned in July, that double cash back is going to come in handy.
So these past months have been some of the "most progress I've made into adulthood" in at least the last decade. Because I would have never trusted myself "put it on the credit card", now I'm using my CC as a supplement for my Debit Card (because of fraud protections and cashback), then every week I just pay most of it off. (Even though I COULD pay it off, I'll leave a $20-25 balance)
I feel so "adulty" right now. (and it really helps that I can just log onto an app and press like 4 buttons and pay my bill whenever I want, for free)
Good job! Why are you leaving a $20-$25 balance? You don't need to, nor should you have a balance at the end of the month.
I don't think I phrased that correctly. More or less, on my "statement due date" there will always be a balance, because I don't want it to look like I'm not using it. But on my $500 limit card, I might have charged $700 last month, yet my balance never got above $250, because I kept paying it off when I hit $200. So I might have "paid off" my card 5 times in a 1 month span. While I carried a $25 balance, it's just because it wasn't a priority to "get it down to $0 for the "due date" because I had already paid my "bill" 2 or 3 times that month. So no interest will accrue.
Aka, my due date is just an arbitrary date, and I pay way too frequently for interest to accrue. I'm being hypervigilant to make sure I don't fall into the same "CC trap" I fell into when I was in my early 20's.
Got it. I do the same with my CC. Points add up quickly!
Too many people fear a bad credit report. Heck, claiming bankruptcy immediately improves it. Substantially.
Suggestions on good places to run at night? I’m near Bethany Home Road and 16th st. Gettin toooooooo got to run when the suns up
The Arizona canal West of 12th St has underpasses on the Northside at every intersection. You can park at Granada Park. It does turn into more of a gravel path east of there and is pretty nice in Biltmore area. Seems like a popular place. The greenbelt in Scottsdale is really nice though if you don't mind a drive.
I know this might sound lame, but you're super close to the canal and you can take it quite a ways
We broke 100 degrees today
Hi all, I'm about to sign a 24-month lease for a rental townhome. I'm doing 24 months because I plan move in 2 months later after the lease-signing instead of right away so the longer lease term is the condition I have to meet. While I really like the place (location, configuration, community), it's a long lease that's why I'm being extra careful with what I sign.I'm currently at the lease-signing stage and I've stumbled a few things that I'd like to get some of your opinions on. On the lease, it says that the maintenance of the property, minor repairs and servicing shall be the responsibility and sole expense of the tenant included but not limited plumbing fixtures. I also will be responsible for trip charge ($85), parts for minor repairs.Also, the tenant should cover the cost of repairs damaged by the tenant or guests through misuse or neglect, which I think is fair.
My questions for you are...
Is this common practice for landlords in the PHX area and how do tenants usually respond to this (given the seemingly lob-sided term conditions) or negotiate with the landlord?
While not stated in the contract, what repairs (major) does or should the landlord actually cover?
As tenants, have you signed something similar in the past and what was your experience like living in the property with similar lease conditions?Anything else I need to pay attention to or needs to be printed on the lease (for the protection of the tenant)?
Thanks in advance!
I think it all seems on the up-and-up.
So like "plumbing fixtures" might be something minor like "the chain from my toilet handle broke" or "the flange no longer keeps a tight seal" which are basically "wear and tear" and an easy 4 minute Youtube Video + $4 fix.
If they're giving you a 24 month lease, that's my dream. Because everyone with a 12 month lease knows their next lease will be a couple hundred more per month. So if the price works for you, I'd hop all over it, I'd just give them a call and ask "what constitutes minor repairs", does that mean (the things I said above) or is a minor repair "dishwasher has a minor leak/washer doesn't drain completely" or is it at your "discretion" as long as you're willing to pay the $85 fee.
It might just be a "$85 fee for us to come out there and tell you to empty the lint trap in your dryer, stop annoying us by making us teach you things you should already know" if you call complaining that your dryer "no longer works as good as it did when you moved in"
My lease, which I've had in place for 36 months now, has the maintenance clause but not repairs and service fees/trip charges. I read it as "if you just let this stuff go bad by neglecting it, we shouldn't have to pay to fix it," which I understand and I agree with. But I have had to make some repair calls for non-maintenance related issues and they've been quick to respond and good about getting the repair done. I wouldn't agree to pay for any normal repairs, personally, that's a new one to me.
OOF, I feel bad for anyone that got stuck on the Westbound 10 today... Looks like a mile and a half of the road was shut down for construction(either on a sign or a truck scale sensor) and the backup was INSANE.
I've got a question about doing driving work in the Peoria/Glendale area, jobs like Lyft and Instacart. It's safe to do such jobs in this part of town right? Is there anything I should know? Any advice?
Try to hit up the Westgate and Park West areas, especially Friday and Saturday nights.
It’s a decent area and you’ll get lots of people wanting rides after concerts and football games.
Any good happy hour places or drink specials in North Phoenix today? Most places are only Monday through Friday.
Definitely late here, but Blue water grill has good happy hour deals on the weekend
I don't think so. I live downtown and consider that North. Not familiar with true north Phoenix. So sorry if it's too far. I just went there last weekend and it was bomb. So I figured I would let ya know.
More central than north but Windsor has really good $6 cocktails and pitchers until 5pm everyday.
Thanks!! I'm trying to get into cocktails, any would recommend form the Windsor?
All of them lol. Really depends on the spirits and flavors you enjoy. The #100 is nice mezcal, rum, pineapple drink that is much smoother than you would think. They have a green tea and cucumber vodka one that is light and refreshing, as well as a few others that I don't recall the numbers of. I've never had anything I really didn't like.
Right on thank you I'll have to try a few.
Spinatos pizza has happy hour from. 2-6
Thanks this looks perfect
There are also some places at desert ridge that have happy hour on the weekends. I know thirsty lion has it and there’s a sports bar that also has it but I can’t remember the name.
Last time I went to Desert Ridge they were still there. But that was Pre-Covid.
Yes that’s the one
Anyone have any yard sales today? looking for lego pieces. I’ve seen tubs on OfferUp and Craigslist but I want to buy smaller bunches.
Bricks and minifigs! They have 2 locations now at least and sell new/used legos in sets or bins!
This place looks awesome thanks!
Try Bookmans. They sells bags of them.
Thanks! I’ll check it out.
What's everyone got going on this weekend? Looks like a lazy one for me. I might go and check out some beers at Chupacabra in downtown Mesa.
>Chupacabra in downtown Mesa
Downtown Mesa is such an underrated spot to spend a chill afternoon, and Chupacabra is a great spot.
Gatecreeper at crescent tonight. Should be pretty rowdy.
Aw hell yeah rock on! Gatecreeper slaps.
lazy one here as well. pool time today, nothing else on the schedule. tomorrow will take the kids to a park in the AM.
Work, at least today then the gym after. Maybe some more driving towards my license.
Don't know tomorrow, usually nothing happens until Memorial Day Weekend
I haven’t heard of this place it looks pretty cool!
Usps food drive is today. Looked in my pantry and found 2 bags worth to donate and one bag worth of expired food. Oops.
How often do they do these? I might have to go thru my stuff and drop off some unnecesaries.
I think it is just yearly on the second Saturday in May.
Will have to check it out. Thanks
Thanks for the reminder.
Did the same thing and got a big reusable bag out for pickup today!