#knowledge unlocked

[vyragosa]

rook is a frog i should have known thaaaat's what he looks like!!!!!

[rogueemmy]

I did a thing today - paid off my car. I've literally never paid off a car before - not one with an actual bank loan.It is a GLORIOUS feeling.(Buy-here-pay-here is not the same emotion.) I learned an important couple lessons in the process, several decades into life.

First, I paid if off through their app, not by check. The send-a-check payoff amount was nearly $100 more than "pay it instantly through our app." I asked them for the best method and the payoff amount. Lovely lady in the text box didn't mention that fact, I stubled on it when I put her dollar amount into the app, and it refused to take more than it was owed. (Computers are simple things, designed for info in - info out, not deceit!)

Second, cancel your autopay!!! My partner mentioned it in passing, after I completed my payment. Sure enough, in the pending payments window were this month's autopay, and next month's autopay! I had a bad feeling about those pending payments when I hit submit on the big one, and was prepared to simply monitor my account for the fraud I knew was coming. Nope, just cancel it. Fears (almost) vanished!

These are things folks with money know. I've lived my whole life on the wrong side of a balance sheet - I've lacked cash to pay my bills my whole experience. This is all new to me. And now you know.

[sharpartisan]

do you think it's called 'the birds and the bees' because they're 'avian' and 'apian'?