WEBVTT - Shutdown Woes & Debt Consolidation Qs 0:00:16.480 --> 0:00:21.560 Hey, hey, hey, we're back. We're black, we're. 0:00:21.320 --> 0:00:24.320 Brown, we harmonize. 0:00:26.760 --> 0:00:29.600 Oh a little earlier today, Mandy, how you feel about it? 0:00:29.800 --> 0:00:32.680 I mean, these midday recording sessions are a bit challenging, 0:00:32.720 --> 0:00:34.640 I have to say, but I'm working with it. 0:00:36.120 --> 0:00:37.519 Thank you for accommodating me. 0:00:38.360 --> 0:00:42.000 Uh So, Unfortunately, you were talking a little earlier and 0:00:42.000 --> 0:00:45.320 you were saying that we're still in this still in 0:00:45.360 --> 0:00:49.280 the government shutdown, which I'm like, yikes, is there any 0:00:49.280 --> 0:00:51.159 word on the street of there being, like, you know, 0:00:51.400 --> 0:00:52.320 a slowdown to this. 0:00:53.320 --> 0:00:55.600 We're officially in our what is it the fourth week? Now, 0:00:55.720 --> 0:00:59.720 it's a record, a record long government shutdown. My husband, 0:00:59.760 --> 0:01:02.200 I was talking to him. We've been through since I've 0:01:02.200 --> 0:01:03.840 been with him for seven years. I think there's been 0:01:03.880 --> 0:01:06.040 maybe two shutdowns that he's had to go through, but 0:01:06.200 --> 0:01:08.160 none has lasted as long as this one. I mean 0:01:08.319 --> 0:01:10.440 this past weekend he did not get paid at all. 0:01:11.000 --> 0:01:13.280 I can safely say he has not been working over 0:01:13.319 --> 0:01:15.800 time or trying to stay later than he absolutely needs to. 0:01:16.280 --> 0:01:19.120 Because what's really sucky is like if you're deemed essential, 0:01:19.160 --> 0:01:21.080 which means you still have to go into work, and 0:01:21.120 --> 0:01:24.160 you're still not getting paid. Some people are furloughed, which 0:01:24.200 --> 0:01:25.440 means you just don't have to go to work and 0:01:25.480 --> 0:01:29.319 you're not getting paid. But hopefully what they'll do is 0:01:29.319 --> 0:01:32.319 they'll repay, they'll like back pay people when the shutdown's 0:01:32.400 --> 0:01:36.319 finally over. But it sucks because some people are I mean, yes, 0:01:36.360 --> 0:01:38.360 no one's getting paid, and that's really really challenging for 0:01:38.400 --> 0:01:40.720 some families who are living, you know, paycheck to paycheck. 0:01:41.319 --> 0:01:42.960 But at least if you're not getting paid, don't have 0:01:42.959 --> 0:01:44.240 to go to work. You know, he still has to 0:01:44.240 --> 0:01:44.800 go to work. 0:01:45.240 --> 0:01:47.320 Yeah, he's still to the expense of going to work, 0:01:47.360 --> 0:01:50.160 whether it's the train or toll or gas or whatever. 0:01:50.440 --> 0:01:53.280 Yep, it's like insult to injury. So I don't know 0:01:53.320 --> 0:01:56.240 what the hell's happening. In Congress. You know, we had 0:01:56.240 --> 0:01:59.280 some Republican representative whatever his name is, make a comment 0:01:59.320 --> 0:02:01.960 about how he's not sure why white supremacy was ever 0:02:02.000 --> 0:02:03.160 seemed like such a negative. 0:02:03.400 --> 0:02:10.120 I saw that. Okay, Republican racism is so bad. It's bad. 0:02:10.360 --> 0:02:10.840 I don't know. 0:02:11.600 --> 0:02:13.160 Someone was like man, but wasn't it good to see 0:02:13.200 --> 0:02:16.280 the Republicans, you know, immediately denounce him and try and 0:02:16.280 --> 0:02:18.480 get him off these committees and ousd him and stuff 0:02:18.480 --> 0:02:20.760 and I'm like cool, So they did the bare minimum. 0:02:20.960 --> 0:02:24.400 You know, they had one good instinct, which is like, yes, 0:02:24.520 --> 0:02:27.720 racism is bad. Pat on the back for that one. 0:02:28.240 --> 0:02:31.080 You know realization. The bar is very low. 0:02:31.480 --> 0:02:33.079 The bar is low. 0:02:33.400 --> 0:02:35.400 Even like like I, you know, I thought the government 0:02:35.440 --> 0:02:38.959 shutdown was not directly directly affecting me until I got 0:02:39.000 --> 0:02:42.640 some letter for two of my businesses about filing a 0:02:42.680 --> 0:02:45.359 specific type of like form. But we had already taken 0:02:45.400 --> 0:02:47.200 care of it digitally, so we tried to call just 0:02:47.240 --> 0:02:50.000 to be like, oh, just the FYI, this is done, 0:02:50.120 --> 0:02:52.680 and it was like, oh wait, no one's there, Like 0:02:52.720 --> 0:02:53.600 we could not get through. 0:02:54.160 --> 0:02:55.160 There was no one to pick up. 0:02:55.280 --> 0:02:57.760 So it was like wow, So if you have an IRS 0:02:58.240 --> 0:03:01.239 question or you know, whatever it is for your business 0:03:01.280 --> 0:03:04.760 or for yourself personally, you know there you might not 0:03:04.919 --> 0:03:06.600 be able to you know, you might. 0:03:06.520 --> 0:03:07.480 Have to just basically wait. 0:03:07.520 --> 0:03:10.200 So we're just kind of waiting and it's just a 0:03:10.240 --> 0:03:13.320 little questrating because you know, there's a fee attached if 0:03:13.360 --> 0:03:17.000 you don't act within a timely manner according to the letter. 0:03:17.360 --> 0:03:19.080 So it just makes me like a little worried, like 0:03:19.160 --> 0:03:19.960 wait a minute, you know. 0:03:20.600 --> 0:03:22.880 Yeah, one thing I'll say is we got some We 0:03:22.919 --> 0:03:24.680 got some emails from the banks that we bank with, 0:03:24.760 --> 0:03:26.760 and a lot of banks are being cool about, you know, 0:03:26.800 --> 0:03:29.000 with the shutdown and saying like, if you're afraid you're 0:03:29.040 --> 0:03:30.840 going to be laid on a payment, to call your bank. 0:03:31.280 --> 0:03:34.840 And if you're having trouble making ends meet, credit unions, 0:03:34.840 --> 0:03:38.000 a lot of financial institutions will issue or offer loans 0:03:38.080 --> 0:03:41.800 potentially to people impacted by the furlough if you you know, 0:03:41.840 --> 0:03:44.520 at a at a low rate, so it's it's one 0:03:44.560 --> 0:03:48.000 possibility if you guys are struggling to make ends meet. 0:03:48.280 --> 0:03:50.600 I'm thankful that we have our emergency fund, so we're 0:03:50.640 --> 0:03:52.880 not you know, and we have a dual income household, 0:03:52.920 --> 0:03:56.000 so we're not as stressed as some family. Is that 0:03:56.080 --> 0:03:59.760 I feel really blessed to be in that position, But there. 0:03:59.640 --> 0:04:01.640 Are people who are like I can't imagine being like 0:04:01.880 --> 0:04:04.280 a single mom or single dad and being like, but 0:04:04.400 --> 0:04:06.720 how am I going to buy things? You know, like 0:04:06.880 --> 0:04:10.400 this is four weeks is that's two paychecks, and you 0:04:10.440 --> 0:04:13.480 know most people don't couldn't miss one, let alone two. 0:04:13.600 --> 0:04:17.200 So it's just very Yeah, I just I wonder what 0:04:17.320 --> 0:04:19.760 the longest shutdown has ever been just in history. 0:04:19.480 --> 0:04:20.800 Periods you know this. 0:04:21.240 --> 0:04:24.719 No really, yeah, yeah, I'm pretty sure this is a 0:04:24.760 --> 0:04:28.400 record government shutdown and it's not Government shutdowns aren't even 0:04:28.400 --> 0:04:29.960 that common of a thing. I mean, they have been 0:04:29.960 --> 0:04:32.160 in me being the last I don't know, Obama had 0:04:32.200 --> 0:04:34.839 a couple, but before that, there hadn't really been any 0:04:34.880 --> 0:04:36.680 since the seventies. I was looking at a list of 0:04:36.800 --> 0:04:39.560 you know, historical government shutdowns, and no, it's not something 0:04:39.560 --> 0:04:41.120 that happens all the time, and certainly not for this 0:04:41.240 --> 0:04:45.240 long period of time, a full months. That's not common. 0:04:45.520 --> 0:04:48.799 And meanwhile, we're playing a game of economic chicken over 0:04:49.680 --> 0:04:52.159 a wall, which I have to say. I did listen 0:04:52.200 --> 0:04:55.280 to a couple of podcasts where they interviewed law enforcement 0:04:55.320 --> 0:04:59.320 from the border, and it was interesting to hear their perspective. 0:04:59.360 --> 0:05:01.000 And it's really sad to me because there is so 0:05:01.120 --> 0:05:03.960 much there is, like a valid concern over border security 0:05:04.040 --> 0:05:07.839 and the humanitarian crisis at the border and families you know, 0:05:07.960 --> 0:05:10.320 risking their lives to cross and being you know, doing 0:05:10.320 --> 0:05:12.919 it really unsafely. There is so much that needs to 0:05:12.960 --> 0:05:15.920 be done, and yet we're just kind of getting stuck 0:05:15.960 --> 0:05:19.480 on this one conversation over a wall, and there's so 0:05:19.560 --> 0:05:22.000 much more nuance to it than just that, and it's 0:05:22.080 --> 0:05:24.160 just like, you know, it's not even about Trump anymore. 0:05:24.160 --> 0:05:25.760 It's as much about Trump as I think, as it 0:05:25.839 --> 0:05:29.080 is with just Congress people in general not being able 0:05:29.120 --> 0:05:34.040 to you know, amend their differences and create some kind 0:05:34.040 --> 0:05:38.279 of actual reform that will help people versus, you know, 0:05:38.320 --> 0:05:41.400 getting stuck on this whole the wall symbol of the wall. 0:05:41.440 --> 0:05:41.640 You know. 0:05:42.680 --> 0:05:45.880 Yeah, it's like twenty nineteen is already starting like this 0:05:46.200 --> 0:05:48.040 because one, I don't know if ever, I was reading 0:05:48.040 --> 0:05:50.640 some article I forget what newspaper's saying that they feel 0:05:50.640 --> 0:05:55.560 like Europe is already in a recession. Really oh yeah, 0:05:55.720 --> 0:05:57.800 and I'm like, oh my gosh, out nineteen, can I 0:05:57.839 --> 0:05:59.800 get my friends the door before you slam it? 0:06:01.279 --> 0:06:03.359 I mean, there's still there's still good to be had. 0:06:03.560 --> 0:06:06.240 I think that is, you know, hopefully a lot of 0:06:06.240 --> 0:06:09.760 our listeners, if you work, you know, your typical nine 0:06:09.760 --> 0:06:13.599 to five. This is performance review season. So this is 0:06:13.640 --> 0:06:16.760 the time. I always say, don't wait till the performance 0:06:16.760 --> 0:06:19.719 review to ask for that promotion or that raise. But 0:06:19.760 --> 0:06:22.360 I'm curious to hear how people's performance reviews have been 0:06:22.400 --> 0:06:24.960 and if they feel like they're beneficial. I'm about to 0:06:25.000 --> 0:06:28.960 do my whole round of them next week, and I 0:06:29.040 --> 0:06:31.400 always and if especially if you're like on the other side, 0:06:31.400 --> 0:06:33.400 I don't know if you do performance reviews with the 0:06:33.400 --> 0:06:36.120 budget needs to crew, But for me, we do weekly 0:06:36.240 --> 0:06:38.360 check ins and I try to make sure that nothing 0:06:38.400 --> 0:06:41.520 I say in that annual review is a surprise, and 0:06:41.560 --> 0:06:45.159 as a manager, I would like the same in return, 0:06:45.360 --> 0:06:47.359 Like you know, as long as we're being open and 0:06:47.400 --> 0:06:49.440 candid during like the weekly one on ones, then the 0:06:49.440 --> 0:06:52.800 performance review really shouldn't be a surprise or a shock 0:06:52.880 --> 0:06:55.600 to anybody. So if I've been like meeting with you 0:06:55.640 --> 0:06:57.240 once a week and then you wait until like the 0:06:57.320 --> 0:06:59.080 day of the review to be like, oh yeah, I'd 0:06:59.120 --> 0:07:01.960 love a promotion or I really have ambitions to do this, 0:07:02.080 --> 0:07:05.080 or that, there's nothing wrong with it, but it's it's 0:07:05.120 --> 0:07:08.400 not as guaranteed to like actually like you know happen 0:07:08.440 --> 0:07:11.560 in some cases sometimes those things take You need some 0:07:11.920 --> 0:07:15.280 more of an opportunity to plan or put the pieces 0:07:15.320 --> 0:07:16.440 in place to get things going. 0:07:18.040 --> 0:07:19.080 Yeah, I mean it is. 0:07:19.280 --> 0:07:21.560 It's I mean I'm kind of thinking we don't we 0:07:21.640 --> 0:07:24.240 do I guess some performance reviews, but not like in 0:07:24.280 --> 0:07:27.280 a we still don't have like a like a super system. 0:07:27.320 --> 0:07:29.520 That's something that we were working on at the end 0:07:29.520 --> 0:07:31.720 of last year, like a place where things can be 0:07:31.840 --> 0:07:35.840 held and like a specific maybe like performance review tool. 0:07:37.440 --> 0:07:39.880 So we're still kind of flying by the seat of 0:07:39.880 --> 0:07:41.640 our pants pants when it comes to that, like seems 0:07:41.680 --> 0:07:42.760 like you're doing a good job. 0:07:42.680 --> 0:07:43.200 Keep it up. 0:07:45.640 --> 0:07:47.400 No, but we're getting there sometimes you don't, you know, 0:07:47.480 --> 0:07:50.160 as we start to It's crazy when you like with 0:07:50.240 --> 0:07:53.360 the business, as we get like bigger, we definitely move, 0:07:54.800 --> 0:07:56.840 we make bigger moves, but it takes a little longer, 0:07:56.920 --> 0:07:59.680 you know, yeah, because there's just people to consider. 0:08:00.040 --> 0:08:01.440 So before it was literally like what do. 0:08:01.360 --> 0:08:05.240 You think, Tiffany, Sure, Tiffany, okay, you know, and you pivot. 0:08:05.400 --> 0:08:08.600 And then now it's like, okay, well if we make 0:08:08.680 --> 0:08:10.920 that decision, what does that mean for the finance team 0:08:11.040 --> 0:08:13.280 and what about the marketing team and will they have 0:08:13.360 --> 0:08:16.080 the fun you know, so I can see how like 0:08:16.160 --> 0:08:19.440 I can't even imagine like a huge corporation like a 0:08:19.480 --> 0:08:22.200 Coca Cola or something, or like a Ford, you know, 0:08:22.360 --> 0:08:25.000 like what it takes to turn that vehicle around, you. 0:08:24.920 --> 0:08:29.280 Know, yeah, yeah, yes. 0:08:31.880 --> 0:08:36.559 Let's do on the house front. 0:08:36.960 --> 0:08:38.600 Well, you know what I did find a really good 0:08:39.480 --> 0:08:42.520 cabinet person. So I was just looking for different like 0:08:43.080 --> 0:08:45.640 cabinet people. And you know, the thing about cabinets is 0:08:46.200 --> 0:08:48.400 is once people make a design for you, they don't 0:08:48.440 --> 0:08:49.959 necessarily like to give it to you because they don't 0:08:49.960 --> 0:08:53.360 want you to shop it around, you know really, So yeah, 0:08:53.440 --> 0:08:56.280 well sometimes I mean like because if they give you 0:08:56.320 --> 0:08:58.000 all the specs or whatever, you can literally take it 0:08:58.040 --> 0:09:00.640 from person. I mean that that takes you know, maybe 0:09:00.679 --> 0:09:02.560 like an hour or maybe not even maybe half an 0:09:02.600 --> 0:09:04.439 hour to hour orn hour if not more for someone 0:09:04.480 --> 0:09:06.920 to create and then you shop it around and then 0:09:07.040 --> 0:09:09.640 someone else might end up getting the you know, getting 0:09:09.640 --> 0:09:11.000 the payment for the work that. 0:09:10.840 --> 0:09:11.840 That person has done. 0:09:12.800 --> 0:09:15.319 So there was a little shopping around can be a 0:09:15.400 --> 0:09:17.559 little bit difficult because you're wanting to remember the pair 0:09:17.640 --> 0:09:20.439 compare apples to apples, but you know, the only way 0:09:20.480 --> 0:09:21.880 to do that to be like, these are the same 0:09:21.880 --> 0:09:24.319 specs over and over. But I found a good cabinet 0:09:24.320 --> 0:09:27.280 person M and D. I think cabinets are something in 0:09:27.320 --> 0:09:32.800 like Belleville Bloomfield. I really like him, Lou he was Yeah, 0:09:32.840 --> 0:09:35.880 he was great, honestly he he What I liked about 0:09:35.960 --> 0:09:37.760 him is you can sell so it's a family owned 0:09:37.760 --> 0:09:40.080 business with which I liked. But what I liked is 0:09:40.080 --> 0:09:42.080 that you can tell that he's been doing this like 0:09:42.200 --> 0:09:45.640 thirty forty years, because like when I showed him the 0:09:45.760 --> 0:09:48.520 drawings from other places that I had gone, he was 0:09:48.559 --> 0:09:50.360 really like, oh, you know, they put this too close 0:09:50.360 --> 0:09:51.640 to the wall. You don't realize it, but when you 0:09:51.679 --> 0:09:54.360 open his door, it's going to hit this, you know. Oh, 0:09:54.480 --> 0:09:56.880 you know, like just little nuances that people missed out on. 0:09:56.920 --> 0:09:58.800 And so I got to see the rendering today and 0:09:58.840 --> 0:10:01.680 it looked awesome. It looks honestly really because he also 0:10:01.720 --> 0:10:04.280 came with his own kind of like design sensibility, So 0:10:04.760 --> 0:10:05.400 I'm excited. 0:10:05.520 --> 0:10:06.320 The tile for the. 0:10:06.320 --> 0:10:10.080 Kitchen is picked out, the bathroom, all the bathrooms kind 0:10:10.080 --> 0:10:12.360 of like tile and backsplash, all that stuff I picked out. 0:10:12.960 --> 0:10:16.280 So now the only thing is is like ordering. The 0:10:16.320 --> 0:10:19.520 hard part is with the cabinets is that they come 0:10:19.559 --> 0:10:22.720 in fairly quickly, within like two weeks, but we're still 0:10:22.760 --> 0:10:25.040 not ready. We're stay still haven't closed up the walls yet, 0:10:25.040 --> 0:10:26.760 so it's like you can't where you put them, you know. 0:10:27.200 --> 0:10:31.839 And apparently there's a there's a pending tariff coming that 0:10:32.160 --> 0:10:34.439 I guess the President has threatened. So that way it flows, 0:10:34.520 --> 0:10:38.080 that slows down how much foreign goods that we purchased, 0:10:38.160 --> 0:10:41.960 and so that I have to be mindful because. 0:10:41.800 --> 0:10:43.880 Where the cabinets come from. 0:10:44.000 --> 0:10:45.839 Most cabinets come from China, they tell you. Even the 0:10:45.840 --> 0:10:48.920 American ones they tell you usually they're put together in America, 0:10:49.240 --> 0:10:54.839 but the components typically come from China. Interest yeah, and 0:10:54.960 --> 0:10:57.840 so there are a few that are made in America, 0:10:57.920 --> 0:10:59.760 but very few. Like like I said that, we saw 0:10:59.800 --> 0:11:02.960 some hapbins that they posture as American cabinets, but really 0:11:03.000 --> 0:11:06.320 they're like, girl, these they put them together here. So 0:11:06.679 --> 0:11:08.880 potentially the TARFF could be as high as twenty percent, 0:11:09.720 --> 0:11:11.520 and sou you know, Lou was like, just be my 0:11:11.880 --> 0:11:14.040 I know. So you know, let's just say your cabinets 0:11:14.040 --> 0:11:17.080 are going to be you know, ten thousand dollars. That's 0:11:17.120 --> 0:11:19.320 another two thousand dollars on top of that. So he 0:11:19.480 --> 0:11:21.240 was like, typically they get a heads up about a 0:11:21.240 --> 0:11:24.080 week in advance, but he's been getting letters like faxes 0:11:24.120 --> 0:11:26.840 every day saying like, you know, potential tariff is coming. 0:11:26.880 --> 0:11:29.040 So he's like, I'll let you know and then I'll 0:11:29.080 --> 0:11:30.280 just have to order them and put him in like 0:11:30.320 --> 0:11:31.640 storage or something, because I don't want to spen an 0:11:31.640 --> 0:11:32.839 extra two thousand dollars you. 0:11:32.760 --> 0:11:37.040 Know, yeah, nope, buano. Or if someone I was sharing 0:11:37.080 --> 0:11:39.600 my Instagram, my Instagram story, I was sharing like pictures 0:11:39.600 --> 0:11:41.720 of the reno and like what the before and the 0:11:41.760 --> 0:11:43.520 after my kitchen and everything like that, and one of 0:11:43.600 --> 0:11:45.680 the I think when of our listeners asked, you know, 0:11:45.720 --> 0:11:47.480 how much of the kitchen actually costs, it's kind of 0:11:47.520 --> 0:11:49.280 hard for me to like say how much the kitchen 0:11:49.280 --> 0:11:51.559 costs because so much of it was it's all wrapped 0:11:51.600 --> 0:11:53.440 up into the total rhino cost because we did the 0:11:53.440 --> 0:11:57.600 whole ground floor, but my countertops alone were countertops and 0:11:57.640 --> 0:12:01.920 cabinets alone. Do the math real quick for nine at 0:12:02.000 --> 0:12:04.600 least like eleven to twelve thousand dollars just for that 0:12:05.559 --> 0:12:09.480 by itself. So that gives you a sense if you're 0:12:09.480 --> 0:12:12.520 listening of the cost. And that's just new cabinetry. I 0:12:12.520 --> 0:12:15.839 think the hardware for the cabinets, which we got from 0:12:16.000 --> 0:12:19.680 build dot com, that was like another five hundred bucks. 0:12:20.240 --> 0:12:21.600 And then the appliance is if you have to get 0:12:21.600 --> 0:12:23.640 all new appliances, that adds to it as well. But 0:12:23.800 --> 0:12:25.560 let me tell you, my husband just got back to 0:12:25.600 --> 0:12:28.360 me with an update. I've given a boost to the 0:12:28.400 --> 0:12:31.559 City Price Rewind program before. And he just was g 0:12:31.679 --> 0:12:34.120 chatting me earlier letting me know that the fridge that 0:12:34.160 --> 0:12:36.400 we bought went down in price by two hundred and 0:12:36.400 --> 0:12:38.680 eighty eight dollars and they just sent him the refund. 0:12:39.120 --> 0:12:41.040 Wait wait, wait, wait, wait, So what tell me about 0:12:41.040 --> 0:12:43.600 the thing again? I've told you, I know, but you 0:12:43.600 --> 0:12:44.839 know I've got the memory of for eighty year old. 0:12:44.840 --> 0:12:46.400 It doesn't have the first time. See, you got to 0:12:46.440 --> 0:12:46.920 take notes. 0:12:48.360 --> 0:12:50.000 It's called the City. So if you get a City 0:12:50.200 --> 0:12:53.200 I had the City Double Cash Card and it comes 0:12:53.280 --> 0:12:56.000 with access to the City Price Rewind program. And I 0:12:56.240 --> 0:12:58.360 don't know if it's the only card, the only city 0:12:58.400 --> 0:13:00.840 card that offers it, but it certainly does. And what 0:13:00.880 --> 0:13:03.360 happens if you make the purchase with your City card, 0:13:03.440 --> 0:13:05.760 which offers you one percent cash back on the purchase 0:13:05.800 --> 0:13:07.800 and then one percent cash back when you pay off 0:13:07.840 --> 0:13:11.600 the card. On top of that, if the price of 0:13:11.640 --> 0:13:14.040 that item that you purchase with the card goes down. 0:13:14.240 --> 0:13:16.600 I don't know what the I forget what the timeframe is. 0:13:17.600 --> 0:13:20.400 Then if you tell them or they may find it themselves. Actually, 0:13:20.679 --> 0:13:22.319 like sometimes we'll get an email just saying, hey, the 0:13:22.360 --> 0:13:24.520 price dropped on this, We're going to give you a refund. 0:13:25.240 --> 0:13:27.280 But if you see that a price drops and you 0:13:27.320 --> 0:13:30.360 alert them, then they will refund you as long as 0:13:30.400 --> 0:13:33.640 it's within the terms and conditions of And I'm telling 0:13:33.679 --> 0:13:36.880 you we've saved hundreds of dollars, like no joke purchasing 0:13:36.960 --> 0:13:37.720 our appliances on. 0:13:38.559 --> 0:13:40.920 I do remember now now that my flash back. I'm like, oh, yeah, 0:13:40.960 --> 0:13:42.400 you said that like three times. Yeah. 0:13:42.400 --> 0:13:45.880 Man, it's legit, especially if you're buying like appliances this January. Now, 0:13:45.880 --> 0:13:49.320 we purchase our appliances like in November, December and the 0:13:49.440 --> 0:13:52.560 end of the years when they start discounting last year's 0:13:52.559 --> 0:13:55.040 models and rolling out the new stuff. So I think 0:13:55.040 --> 0:13:57.080 that's why we're seeing the stuff that we purchase drop 0:13:57.080 --> 0:13:59.920 in price now. So there's no such thing as boy 0:14:00.160 --> 0:14:02.440 is remorse as far as the appliances thing. 0:14:03.480 --> 0:14:05.280 No, when you went with the Pliente, did you guys 0:14:05.280 --> 0:14:07.560 get the clients is from the same like manufacturer, like 0:14:07.640 --> 0:14:08.760 all LG or whatever. 0:14:09.000 --> 0:14:12.480 Lord. Yeah, my husband was like became really obsessed. I'm like, listen, 0:14:12.679 --> 0:14:17.120 our entire like the entire house sings now, the dishwasher sings, 0:14:17.200 --> 0:14:21.560 the oven freaking sings, the microwave sings, the laundry machine sings. 0:14:21.680 --> 0:14:23.720 We it's all just like do do doo doo doo 0:14:23.760 --> 0:14:27.800 doo doo whenever, everything when it's preheated, when the cycle's over. 0:14:27.840 --> 0:14:29.320 And not only that, but he's got it set up 0:14:29.360 --> 0:14:32.320 to text him because everything's wi fi ing. Don't ask 0:14:32.360 --> 0:14:34.400 me why so what I let me tell you. I 0:14:34.440 --> 0:14:36.720 was like cooking dinner, doing laundry, and I don't know, 0:14:36.760 --> 0:14:38.760 I used the microwave, the dishwasher or something, and at 0:14:38.760 --> 0:14:41.760 one moment, like everything was beeping and d and jingling, 0:14:41.880 --> 0:14:43.720 and his phone was going off, and I was like, 0:14:43.880 --> 0:14:47.360 this is freaking insane. Our place is not this big. 0:14:47.400 --> 0:14:50.760 We're never not gonna hear when some things is done. 0:14:51.360 --> 0:14:53.960 And he's like, it's fun. It's he just loves his gadgets. 0:14:54.000 --> 0:14:56.320 But you know, no, that's awesome though. 0:14:56.400 --> 0:14:59.200 Yeah, we're gonna I just can't wait to get you know, 0:14:59.280 --> 0:15:01.840 when you get over the when you start closing up walls, 0:15:01.840 --> 0:15:03.120 and I'm just like, I just can't wait till we 0:15:03.160 --> 0:15:03.760 get over the hump. 0:15:04.000 --> 0:15:05.560 You'll be there soon, You'll be there soon. 0:15:05.680 --> 0:15:07.640 Yes, I think I'll get another week or two because 0:15:07.640 --> 0:15:10.200 all the electricals done except for the HVAC and. 0:15:10.160 --> 0:15:11.520 Then all the plumbing is done. 0:15:11.640 --> 0:15:14.480 So I really I feel like we have another week 0:15:14.560 --> 0:15:17.600 at the most of like of the HVAC and then 0:15:17.640 --> 0:15:19.240 we start closing up walls and that's when you start 0:15:19.280 --> 0:15:20.720 really rocking and rollway. Yeah. 0:15:20.800 --> 0:15:21.760 Man, it's exciting. 0:15:22.520 --> 0:15:42.000 Yes, So are you good with your buzz anything else 0:15:42.040 --> 0:15:45.840 you're buzzing about? I'm all buzzed out, all right, So 0:15:46.120 --> 0:15:49.680 let's go for couestionon. We're gonna do something special today. 0:15:49.680 --> 0:15:52.320 I'm excited and we haven't done this before. But if 0:15:52.360 --> 0:15:55.440 you are Agurine Catcher, you know that I have a 0:15:55.480 --> 0:15:58.640 DreamCatcher Facebook group. It's about three hundred and fifty or 0:15:58.640 --> 0:16:01.040 sixty thousand women. We're actually to pull some questions from 0:16:01.040 --> 0:16:05.240 the DreamCatcher group. I will keep your name anonymous since 0:16:05.280 --> 0:16:10.040 you didn't consent publicly. So first question come to well, 0:16:10.040 --> 0:16:16.160 I'll just use a fake name. Comes from Maria. Maria says, 0:16:16.320 --> 0:16:19.640 my husband and I are thinking about consolidating our debt. 0:16:19.840 --> 0:16:22.480 It's about seven thousand hours and this would include all 0:16:22.520 --> 0:16:25.400 of our debts, loans, credit cards, all that. 0:16:25.440 --> 0:16:27.960 Kind of stuff. Do you think that's a good idea 0:16:28.000 --> 0:16:29.120 to consolidate our debt? 0:16:30.800 --> 0:16:33.160 Oh, I mean, I think consolidating debt, especially if you 0:16:33.160 --> 0:16:36.480 can save money on interest, is an amazing idea, and 0:16:36.520 --> 0:16:39.200 I don't think people do it often enough. Yeah, I 0:16:39.200 --> 0:16:42.400 love the idea of debt consolidation. It's also a way 0:16:42.440 --> 0:16:45.160 to like if you, for example, you're struggling to afford 0:16:45.200 --> 0:16:47.480 your monthly payments on a loan or something like that, 0:16:48.320 --> 0:16:50.400 if you take out a new loan and use that 0:16:50.480 --> 0:16:53.400 loan to pay off your existing loan, the new loan 0:16:53.440 --> 0:16:56.280 may have terms that are better suited to your needs, 0:16:56.280 --> 0:16:59.360 like they may have lower payment which you can achieve 0:16:59.400 --> 0:17:02.560 by maybe get a longer term loan. That's one reason 0:17:02.560 --> 0:17:06.000 people consolidate their debt. Just understand that when you extend 0:17:06.080 --> 0:17:07.840 the time the term of the loan, which means you 0:17:07.840 --> 0:17:10.520 pay it off for longer, even if you're saving money, 0:17:10.520 --> 0:17:13.119 it feels like monthly because your payments are lower, you 0:17:13.200 --> 0:17:16.720 are adding to your interest costs, right because you're you know, 0:17:16.800 --> 0:17:18.840 dragging on the debt for longer. So if you do that, 0:17:19.000 --> 0:17:21.359 just keep that in mind, and you know, once things, 0:17:21.480 --> 0:17:24.199 hopefully the financial picture gets a little bit better and 0:17:24.240 --> 0:17:26.520 you can start making bigger payments than the minimum and 0:17:27.160 --> 0:17:30.240 you know, not end up paying way more down the line. 0:17:30.880 --> 0:17:32.639 I'm also I know, go ahead. 0:17:32.880 --> 0:17:37.280 I was also going to shout out to balance get 0:17:37.320 --> 0:17:38.880 so excited about balance transfers. 0:17:38.920 --> 0:17:41.960 Tip no, gokay, go ahead for that. 0:17:42.160 --> 0:17:45.399 Balance transferred out. So credit card consolidation balance transfer offers 0:17:45.400 --> 0:17:47.800 are really awesome, especially if you have good credit. You 0:17:47.840 --> 0:17:50.320 tend to need to have you know, high six hundreds, 0:17:50.359 --> 0:17:52.960 low seven hundreds minimum to get approved for good zero 0:17:53.000 --> 0:17:57.280 percent interest intro offer on a balance transfer card. But 0:17:57.440 --> 0:17:59.959 let's say you know, you spend money on one car 0:18:00.000 --> 0:18:03.320 credit card and you know you're struggling to make the 0:18:03.320 --> 0:18:05.159 payments on time, but you know you can do it 0:18:05.200 --> 0:18:06.959 in a few months, or you know, maybe it'll take 0:18:06.960 --> 0:18:09.280 you even longer than that. A balance transfer, if you 0:18:09.520 --> 0:18:11.760 get approved, you can transfer money to a new card 0:18:12.119 --> 0:18:15.479 and then enjoy a zero percent interest rate for however 0:18:15.520 --> 0:18:18.280 long the term says. And then let's say you get 0:18:18.280 --> 0:18:19.639 to the end of that term and you still have 0:18:19.680 --> 0:18:22.919 some leftover, if your credit is still good, then you 0:18:23.000 --> 0:18:25.560 kind of apply for another balance transfer and you know, 0:18:25.680 --> 0:18:28.920 keep it moving. That's just one way to get around 0:18:28.960 --> 0:18:29.560 interest fees. 0:18:30.160 --> 0:18:32.159 Yeah, I remember I did that when I That was 0:18:32.240 --> 0:18:34.560 one thing like when I was going through like my 0:18:34.600 --> 0:18:38.360 financial struggle before I knew this is like I knew 0:18:38.400 --> 0:18:40.879 I was going to miss my mortgage payment, and this 0:18:41.000 --> 0:18:44.600 is like post recession or during the recession and before 0:18:45.240 --> 0:18:47.639 that hit and drag my score down. Is that a 0:18:47.640 --> 0:18:50.280 really great score. I went ahead and opened up you 0:18:50.320 --> 0:18:53.159