Here is the link: Wireless Air Pump 12V 120W Pump
Best price with coupon code (apply in the cart!): BGGRBIPM1
Current price is 21.99 USD. The lowest price in my database is 23.99 USD. There're already 3 records in DB. Price monitoring since 31.3.2024!
Notes (coupon may work only in selected countries): Greece
Of course if you want current coupons and e-mail PRICE ALERTS for Wireless Air Pump 12V 120W Pump then you can just go to the CouponsFromChina product page. It's right there: https://couponsfromchina.com/wireless-air-pump-12v-120w-pump/
Cheers
Good deal with nice discount.
Telegram: https://t.me/couponsfromchinacom
FB Page: https://www.facebook.com/CouponsFromChinaCom
FB group: https://www.facebook.com/groups/couponsfromchinacom/
Reddit: https://www.reddit.com/couponsfromchina/
Website: https://couponsfromchina.com

Hey guys
~~~ Purpose ~~~

• I am looking for buddies to set up a mastermind group

~~~ About me ~~~

• 38 y.o.
  
• used to work as a content writer and translator
  
• burned out because of the lack of the good jobs in content writing
  
• moved into washing cars at the car washer in Almaty Kazakhstan.
  
• live in a third-world country
  
• I want to move to Korea and start making the really good money
  
• I have a plan on how I can turn around my life and become rich and happy within 5 years
  
• I have a long-term vision, and I am setting up the "configuration" for my life journey correctly, as opposed to chasing the fleeting wins.
  

~~~ About the purpose of the mastermind group ~~~

• sharing the plans, and performing the accountability reviews and reviews to identify any major flaws before we embark on the next stage
  
• buidling up a basic community to help us stay the course and feel that we aren't going it along
  

~~~ About you ~~~

• you should be dealing with extremely low budgets in your life. If you are from a first-world country like the US, you won't be able to process my numbers correctly. But I plan to move to a first-world country within 2 years - I just need to go through certain steps before I can do this.
• you may be wanting to work the job for 1-2 years so that I can save up the initial investment capital. If you are trying to set up a digital marketing agency with $1000 in your bank account, we won't jibe well. I am planning to set up the investment capital of $5K and move into an ecommerce business model that I have identified.
• you need to be smart and willing to grow and develop. I am reading books on success every day, and I don't have TikTok

Auto finance is an industry whose activities conclude on the offer of financial products and services through which people share or purchase vehicles. The banks or financial institutions plays a key role in the automotive industry as it provides all sorts of financing options (loans and leases) to the consumers to purchase/lease cars and vehicles. Loan for a car is an act of borrow some concrete summ of money from a lender, which may be a bank, credit union, or a financial institution, and then repay it within some period of time. Subsequently, the borrower shall pay back the loan amount together with the specified interest within the given due date which usually lasts for three to seven years. While leasing a car is when a "lessee" (the person leasing the car) makes payments to a "lessor" (the leasing company) for the use of the vehicle, auto leasing is an agreement form where the lessee makes payments to the lessor in exchange for the use of the vehicle. The most common situations are agreements for a term of two to four years and the leased vehicles may have a limitation on mileage and an obligation to keep the vehicle in good condition.
Read More

Hey guys
I’ve got nearly 4mill in the bank which is HUGE for me (impulsive spender)
What’s your best purchase?
I have all businesses & service vehicles except the acid lad & Terrorbyte.
I have the deluxo & nightshark etc. Heaps of cars. Looking for my next purchase 👀

Hi there,
I'm 22 (M) and a big petrol head lol, + considering getting a car on finance. Looking to sell my current car for around the £8k mark + could also put another £1.5k into a deposit (£9.5k deposit)
Currently earn around 1800 after tax a month + have outgoings of £375 which includes a mortgage and the usual bills. So after all outgoings I'm left with around 1400 a month. I'd be looking at cars around the £17-19K mark with the £9.5k deposit so would be financing £9500 MAX.
Is this a smart idea? Would it be better to take out a bank loan instead of finance? and as i mentioned before I'm a big petrol head so looking at something relatively quick/fun (Golf R, M140i etc)
EDIT: for some reason my insurance quotes for both cars are cheap around £750 a year.

Since many have said it's better to buy car dealerships than poor old IT company,I was sad,so i decided to actually explain why IT is op.
To those with auto clicker if u reset game you will be like me hopeless in life....but here comes IT company as a saviour,see the step by step method.
1)use auto clicker for 10 minutes to upgrade clicker to max
2) watch ads and click for 10-30 minutes for 350k
3) repeat (2) till u get 100k
4) buy IT company and fire default developer,and use that 100k to buy medium grade employees and 60 skill designer.
5) (developer) skill should be 100+,and salary combined should be below 200k -300k per hour.
6)(designer) below 80k salary with 60+ skill (can make salary a little higher but you should calculate profit)
7)do 4 mil project 2 times (i recommend watching ads).
8)here there are 3 ways you can go buying taxi,bank,and more employee
9) once you get 100+ workshop space you gotta buy more senior devs and team leader and all others
10) the filter is the method I use at 100s of employees.you gotta hire 100 employee and fire lowest skill ones who are not really good (make your own standard) then go to project and select lowest salary and pick employees for project,fire the rest.
WARNING: if due to wage your networth is in negative,do not close IT or drop project. let project finish

 I (23F) am really struggling to move forward in life. For context I recently switched jobs from sales to Pizza Delivery. My last manager was just awful to deal with, she cared more about putting money in her own wallet than her workers safety. About 2 months ago I transferred to a pizza delivery company because my friend was just raving about how much better it would be for me to work there. She told me I would be making just as much money and the work environment was comfortable with kind customers/employees. Literally a month into working I got in a car accident with a car I JUST took a bank loan out to pay for. (He was wanting to drive at least 300 feet in the bike lane to turn right at a light way behind me. Traffic was at a complete stop and backed up, the two lanes to the left of me had traffic stopped with a gap for me to turn left back into work. He was driving so fast when he got in the turning lane I didn’t see him until I was making my turn and it completely totaled my car… my radiator sits in the very front of my car.) my insurance still has not gotten back to me about who is at fault and I had to sell my car because the towing company wanted $500 to give me my car back and I didn’t have the money. I am now without a car having to work as an insider making not even half of what I was making before. I’m stuck with a $4,000 car loan with no car to show for, and I’m barely able to find rides to work every day. I can barely afford to pay for my bills, my boyfriends has to help me pay them every 2 weeks because I keep running short in money. We barely have money for food at this point and i just don’t see me making enough money to be able to afford another car. I can’t afford to take out another loan since I also have snap payments for $5,000 of work I had done on my car to get it up and running. I can switch my job and still barely have enough money to live at this point, with no opportunity to save for another vehicle. I am so lost at, I worked so hard just to end up here, no vehicle, making less money than before, and I’m CONSTANTLY getting sick and vomiting from the stress. I don’t even have the money to see a therapist for a single session.. I really need some advice I don’t know what more I can do except work my life away praying for miracles. Even words of encouragement would be appreciated at this point. Every time I think about my life situation I start bawling. 

I am Turkish and meanwhile I am generally neutral in this war, if I had to support a side I would support Israel. Turkey has suffered a lot under PKK terrorism and today the same thing is happening to Israel under HAMAS terrorism.
so-called Palestine has acted in hostility to Turkey every time in history yet our government supports them blindly.
The Palestinians, who not only did not obey the call of the Caliph and did not participate in this operation, attacked the Turkish soldiers from behind the front and left the Turkish soldiers between two fires, causing 14,000 of our soldiers to be martyred and thousands of our soldiers to be captured.
Those who shot us in this operation were mostly Arabs from Gaza.
And the blinding of 15,000 Turkish soldiers who were captured on the Palestinian front, with the help of the betrayals of the Arabs, in the Seydibeşir Kuveysna Osmani Useray-i Harbiye camp.
Palestinian Arabs unite with Lawrence and participate in the Aqaba raid, martyring all our soldiers in Aqaba.
They immortalize these treacherous actions by creating a relief of Lawrence in the desert.
Palestine flag, It is the official symbol of the betrayal of the Palestinians.
6) year 1976,
Two Palestinian terrorists opened fire on people boarding an Israeli plane at Yeşilköy airport. Four people died, and twenty people were injured in the attack.
The terrorist organization PKK is looking for a terrorist organization to cooperate with in the Middle East.
And the Palestine Liberation Organization embrace the PKK and begin to engage in activities against Turkey in coordination with the PKK.
Year 1979,
The Egyptian embassy in Ankara is raided by Palestinian terrorists and 1 police officer and 1 guard are martyred.
9) year 1980.
George Habash, leader of the Palestinian People's Liberation Front, opens his camps in Sidon, Lebanon, to the Asala terrorist organization, and these Palestinian terrorists also support Asala's actions in which they murdered our diplomats.
10) year 1989.
Yasser Arafat makes statements, "We support Armenia's just cause."
On this occasion, it supports the Karabakh invasion and Armenian massacres.
11) year 1993.
Palestinian Arabs also support Masoud Barzani's "independent Kurdistan" idea.
12) year 2002;
Major Cengiz Toytunç, whose car was stopped and martyred while he was serving in the peacekeeping force in the West Bank.
13) year 2009,
Palestinian President Mahmut Abbas, Erdoğan's friend, goes to Cyprus and makes a statement that "Turkish soldiers are occupiers in Cyprus" and says that they support Greek theses in Cyprus.
Also, let me add here the video of PLO leader Arafat embracing Makarios.
https://www.youtube.com/watch?v=dzzcrepswww&t=3s
14) year 2012. al nakba cup.
In this cup, Palestine invites the so-called Kurdistan team and plays a match with Kurdistan.
Some matches played in this tournament;
15) year 2019.
The Arab League issued a condemnation message for the Peace Spring operation launched by Turkey in Syria.
Palestine was also among those condemning Turkey.
16) year 2020.
Palestine becomes a member of the Eastern Mediterranean Gas Forum, which was established against Turkey's claims in the Eastern Mediterranean.
Within the Eastern Mediterranean Gas Forum, Greece, Egypt, Greek Cyprus and Israel are taking a stand against Turkey's blue homeland thesis.
17) year 2020.
Palestine supports China's genocide against Uyghur Turks and supports China's policy towards Uyghur Turks.
TL;DR: This is a full list of the Palestinian state acting in hostility against us. Israel is a natural ally to Turkey as we can see. Mossad operatives helped Turkey in the capture of PKK leader terrorist Abdullah Öcalan.
We should not tolerate this state who has helped ASALA and PKK engaging in terrorism.

 I (23F) am really struggling to move forward in life. For context I recently switched jobs from sales to Pizza Delivery. My last manager was just awful to deal with, she cared more about putting money in her own wallet than her workers safety. About 2 months ago I transferred to a pizza delivery company because my friend was just raving about how much better it would be for me to work there. She told me I would be making just as much money and the work environment was comfortable with kind customers/employees. Literally a month into working I got in a car accident with a car I JUST took a bank loan out to pay for. (He was wanting to drive at least 300 feet in the bike lane to turn right at a light way behind me. Traffic was at a complete stop and backed up, the two lanes to the left of me had traffic stopped with a gap for me to turn left back into work. He was driving so fast when he got in the turning lane I didn’t see him until I was making my turn and it completely totaled my car… my radiator sits in the very front of my car.) my insurance still has not gotten back to me about who is at fault and I had to sell my car because the towing company wanted $500 to give me my car back and I didn’t have the money. I am now without a car having to work as an insider making not even half of what I was making before. I’m stuck with a $4,000 car loan with no car to show for, and I’m barely able to find rides to work every day. I can barely afford to pay for my bills, my boyfriends has to help me pay them every 2 weeks because I keep running short in money. We barely have money for food at this point and i just don’t see me making enough money to be able to afford another car. I can’t afford to take out another loan since I also have snap payments for $5,000 of work I had done on my car to get it up and running. I can switch my job and still barely have enough money to live at this point, with no opportunity to save for another vehicle. I am so lost at, I worked so hard just to end up here, no vehicle, making less money than before, and I’m CONSTANTLY getting sick and vomiting from the stress. I don’t even have the money to see a therapist for a single session.. I really need some advice I don’t know what more I can do except work my life away praying for miracles. Even words of encouragement would be appreciated at this point. Every time I think about my life situation I start bawling. 

I am currently trying to buy a used car from a private seller that still has a lein on it. However, I am trying to purchase the car through a bank loan from a different bank than the seller. Is there any way for me to purchase the car? If it helps at all, my bank is schools first credit union.

Hello everyone. I'm a new Model Y owner in Alberta, Canada. Just got the vehicle 2 weeks ago. I'm just trying to figure out what this $0.50 cent charge is on my bank account? This is the 3rd time I'm seeing this charge in 2 weeks...I noticed it's every time I charge my vehicle with the level 2 charger at my home garage.
In my banking app, it says Tesla Canada MSP $0.50.
I tried to search on the Internet to see what this charge is, but I can't seem to figure out. I hope someone can help solve this for me. Thanks.

My lease is up on June 6th for my 2021 honda civic sport that has ~30,000 miles, is in great condition, and has a residual value of $15,800. I think buying out my lease makes more sense rather than leasing a new car again but I’m not exactly sure how the process works. I looked at a bunch of bank and credit union websites to try and figure out what my monthly payment would be but I have no idea what the APR would be. My credit score is around 680-690 and I think I would do 5 years? I know the APR goes up the longer the loan term is but I don’t want the monthly payment to be something I can’t afford. Is there a way to figure out roughly what my APR would be to figure out my monthly payment? Do I just need to call around or apply online and hope for the best?
Or Is it even possible to lease a new car for under $300/month w/ maybe 2k down right now?

This is a long one.
I am 23F. Shortly after I was born, my mother forfeited her custody of me to my dad. She had / has severe drug problems, and mental health problems. I never really got to know her
My dad was an alcoholic and couldn’t afford to raise me alone, so he decided to move states when I turned 3, and live with my grandparents. My grandma and grandpa became essentially my primary caregivers. My dad remained dependent on alcohol for the bulk of my childhood, sneaking out at night and hiding alcohol bottles throughout the house. Some of my earliest memories include my grandpa and I driving to bars to track him down in the middle of the night; finding that my piggy bank money was being stolen to support his addiction. It got so bad that one night, I found my dad huddled over having a seizure as I was getting ready for bed. I was about 10 years old and had to run to the neighbors to get help.
It got to the point to where the collection of DUIs sent him to prison for a year.
Me and my grandparents formed a tight bond throughout all of this. My grandma in particular, was my rock. She pretty much taught me everything I know and made sure that I was okay.
My dad came back from prison when I was about 13, and he became an amazing father, for a good 3 years we actually formed a good relationship. He bought a nice house for us and my grandparents to live in.
Fast forward about 3 years, he starts dating a girl (who has 2 young children of her own). As soon as she starts living there, it’s pure chaos. Yelling all of the time, drinking, fighting… I hated being there. They eventually kicked my grandparents out to make room.
My dad became absent again. Missing my important school events, emotionally neglecting me. He barely ever spoke to me. They also became extremely frugal with me. I ended up getting a job just to afford my prom dress and my graduation gown.
I graduated high school and moved away at the age of 17. My grandma died when I was 20 and in college, which shattered my whole life. I am the one who found her. She genuinely was the most important person in my life, my role model.
Around this time, I found out that my dad was gambling. A lot. He and his girlfriend became homeless and I started paying a lot of their needs. Hotels, gas, food, and just random amounts of money. I only made about $400 a paycheck and paid rent of my own, but I did what I could.
My grandpa passed away a year ago (I was 22) and now my only family is my dad.
Fast forward to today. I am now 23, graduated college with a psychology degree, and my dad is still homeless. He is no longer with his girlfriend as she finally decided to start prioritizing her kids. My dad and I are not on speaking terms, as I feel like I’ve used all of the resources I have to help him, and when things don’t go his way, he takes it out on me via text. I am heart broken. I don’t see anything looking up for me. I hate my job and I am constantly tired. My car is half broken. My dog has a chronic illness that is terrifying to deal with. I am so unhappy right now.
I have my partner to rely on, but his family doesn’t try to get to know me. It seems like his parents probably don’t even know my middle name, and I’ve been with my partner for 8+ years.
Can anyone else relate to feeling lonely like this? I recently got diagnosed with ptsd. I can barely attend my partners family events without having some sort of meltdown.
If you’ve gotten this far, I really appreciate you for reading this.

my mother changed my birth certificate in 2015 i guess with my consent, i have no recollection because in 2016 i got in a car accident, it ruined my cognitive abilities and i was basically incapacitated for the next year or so, so in my perception of the world, i had no recollection that i was no longer that person, the nys dmv had no care in finding out and making me change my name, i got arrested in 2018 and it was under my old name, i was then moved to new jersey where the mvc didn’t recognize my real name, both bergen county and monmouth county neglected to find out my identity, i had to go there 270 miles from my family wound up depressed went to a mental hospital after meeting a girl who became my fiancé then she got pregnant the baby died subsequently causing the strain to be too much and she had to leave, having no support, being alone alienated i served 4 years probation was jailed numerous times and given a car loan, many bank accounts and credit cards, many identifiable documents, and was like i mentioned before, committed to a mental hospital, all a byproduct of my first arrest, the one that ruined my life, all under an name that i no longer was legally tied to for years, i feel like somebody should have recognized the name right ? why didn’t anybody know that i had a different name ? who is to blame ?

Let me preface this with saying I’m not suicidal Despite how the post may sound. Sorry for the long post.
I’m 33 and have the most amazing girlfriend in the world. We’ve been together 4 years and she truly is my othebetter half.
But to reiterate I’m 33 and I dropped out of High-school when I was 17. I only within the last year managed to pass 3 out of 4 subjects on my GED test I try so hard and I keep failing the math portion by 1-2 points. I’ve failed it 5 times.
I can’t drive because I never learned(grew up with an overly controlling mother who controlled my actions till I was 28/29.) I managed to finally get my permit last year only to have it expire because I crashed my gfs car in a panic(she was completely understand bless her heart) and got terrified to drive again. I’d have to retake it again and I feel every time I make one or two steps forward I fall 20 steps back.
I’ve been out of work for over a year due to losing my job due to false accusations(which were proven false after my termination). I’ve been having a hard time finding work(I’ve absolutely been trying as hard as I can.). I constantly have less than 10 bucks in my bank account, to the point my gf has to constantly help me. Luckily we live in her moms house so we are in no danger of losing our roof.
I’ve been in therapy for awhile and it definitely helps, but I always feel like my heads barely above water and I’m fighting so hard not to sink and drown. I’ve been diagnosed with ADHD and it compounds upon my depression and makes it worse.
I feel absolutely worthless and like my existence is an utter failure. I feel like I failed as a man, as a human, as a productive member of society and I’ve failed my girlfriend as a provider.
I’ve been wanting to go to college to become a DPT as it’s my dream job and I love to help people, but I’ve had to put it off twice now due to my math levels being way below average, that also being why I’ve failed the math test so much.
My girlfriend reassures me and loves me unconditionally but it’s always a hell storm inside my mind.
Thank you for reading it all if you made it to the end. I apologize again for it being so long.

I wanted to post this because I see many going through a similar, tough buying time. I hope my story gives you a boost and helps you keep going. There is my sad backstory that you can skip to "Dec, 2020" that starts the home journey. This post is extremely long but emotional for me. Please be kind.
The only house i ever lived in was my uncles, for 2 years (age 3-5) before he removed us.
My mother suffers from many tribulations, and it was reflected in life. We apartment hopped for all of my childhood. I'll never forget how hurt I was, leaving behind my valuables everytime we downsized, (dressers, my desk, doll houses etc) being cramped, no pets allowed (i love animals), neighbors banging on their ceilings when I played, hearing families fight as if they next to me, smoke coming in the windows, constant new neighbors, roaches and other infestations due to neighbors, etc.
My mom would drive around and say, “this is going to be our new house!” And get my hopes up, but it never happened. My sister (she's 5 years older) said she would buy a house for us all, and that lasted a few months before we were evicted again, moving to another apartment.
I asked constantly when we could get a house like my uncle or sister. My father had one (my parents divorced when I was an infant), and when I visited, I wished I had my own backyard, pets. I was jealous of my friends who lived in houses. I would pretend vacant homes were mine, walk to the new homes being built, and watch their progress. Imagine my future in it where my kids would know stability.
After Bullying in school (from 4th - 12th grade), SA from my father, (i was 15) neglect, abuse, depression, self harm, apartment hopping, I was desperate to move out and away once I turned 16 (emancipation). I moved from NJ when i was 18 to FL and started my own downhill spiral of DV, homelessness, repossessions, and other mentally and physically draining circumstances that pushed my limits, money, and everything
In 2017, I picked up my pieces and gathered them, alone, to AZ into the best apartment and neighborhood i ever had. I told myself that after a year, I was going to buy a home there. In 2018, I reached out to realtors and was told all I needed to do was pay off 2k of credit card debt to qualify for 250-300k. The dumbest decision I ever made was saying spending 2k was stupid. I wish I had the recourses, support, anything, or anyone to tell me to do it. had I done it, I could have bought my dream home then for 200-275k
In Dec 2020, I had been with my now husband for 3 years, went through hell in the apartments he wanted us to move to for more space, away from that neighborhood I loved. Someone stole our bikes, smoked weed next to our window, and then our new car was stolen and required 3k in repairs. I was miserable. I wanted to end the cycle of apartments and putting away my wants and needs, so we decided to begin paying things off to get pre qualified. Then came the new battlefield.
As you all know, 2021 until today, it hasn't been a buyers market. I had no idea what any of that meant until I was told I was approved to start putting in offers in January 2022. We were pre approved for a max of FHA 350k from a lender that I was sure had our backs after getting tons of denials and pisspoor brokers who couldn't care less about my childhood dream. I pulled up the MLS and saved about 30 homes a week, if not more, that were 375k and below, all the way down to 150k trailer homes, condos, townhomes, and houses.
Half of those listings were sold (pending) within 5 days. the other half we were bidding upwards against. I couldn't believe it. I was told the market is hot, lots of people selling their homes in bordering states and putting higher end offers on the homes in our price range because they were selling their homes for 500k and using the differences to buy the cheap homes. The others were investors.
After doing all of the work for my husband and roommate and then some to qualify, I was now battling 15+ people on one home multiple times. I was told to try going further out. The market I was in was too desirable. I was like, REALLY? PEOPLE GET SHOT HERE ONCE A WEEK, HOW IS THIS NEIGHBORHOOD, "HOT"??? I was told to shop beneath my budget, shop outside the location I wanted, everything you are all being told today to, "land a home, stay in it for five years, then sell it and get what I want." But I heard none of it, I wanted my DREAM home on my first buy, which wasn't a lot.
All I wanted was a 1300-2000sqft home with a front and backyard for my dog and kids, a house that didn't need a crap ton of repairs, and a neighborhood I felt comfortable in so that I wouldnt have to deal with all the things I did since I was little. I didn't care if it was upgraded, carpeted, or tile, old or new, I just wanted space, safety, a yard.
It didn't matter. Even if I sacrificed a yard, square footage, whatever, I was getting outbid. Every home I could afford was being bought in cash, waiving inspections, having a 14 day close, and/or being bought 25k to upwards of almost 200k over asking even if it was a fixer upper!! I could not compete.
In April, I FINALLY had an offer accepted in a town that was 30 minutes from work, building up, and beautiful. I was willing to sacrifice commute time and everything for this beautiful house that checked all the boxes. It was 2,060 sqft, upstairs and downstairs, a 5k lot, in a beautiful neighborhood. We were able to get a third cosigner (lomg time friend) to up our income and get to 375k. But then I found out my preapproval wasn't so pre approved.
Having a 3rd co signer meant nothing. We needed to reserve money that we weren't informed about, DPA wanted us to pay off more debt, and we needed more income than the THREE of us had. I was livid, why didnt they tell us any of this? Why did they say our income was enough, and the DPA would cover everything?! I knew nothing, I tell you, nothing, and I should have researched more. But I was desperate.
My grandma stepped in. First, she needed a credit score. She opened up an unsecured credit card for 300. Bought gum, paid it off. We did a rapid rescore, and it shot her up to 7 freggin 735, SEVEN THIRTY FIVE LMFAO, and then we needed her social security letters. Which took two weeks too long, pushing back a close the seller REALLY WANTED TO CLOSE ON, which my realtor convinced them to hold off. Well, guess what? My grandma doesn't have a government id. She hadn't updated her id since 2005. No biggie, we'll get her to the DMV, which we had to reschedule online to 3 different locations. Well, guess what? Her mail, old id, her social security card, AND BIRTH CERTIFICATE all had DIFFERENT VARIATIONS of her name, and DMV couldn't verify her identity.
It would take two months to correct those issues. I threw my phone, scratched my arms to oblivion, fell on my knees, and cried. The lender said there was no way the loan was to be approved without Grandma. My sweet Grandma of 4 different names. I feel the tears, even now. I lost it. I fought for a home all my life and lost it because of being uninformed, way too broke ( I know I know), and then some. I felt like the universe was against me.
So May comes around, and my realtor says, "Listen, let's try this. Let's do rent to own. They pay for everything, and then you save, fix your credit, and buy the house back at the value of the contract paying the difference in appraisal if need be."
I was so broken that I did it. Back to the MLS, we still couldn't get a home in our price range in the neighborhoods I wanted. Rental price was going to be 3,100, so... we stuck to the 30-minute away neighborhood, and oh god, was that a new mistake. The first house we put an offer in on was accepted immediately. It was the smoothest process I'd ever seen in comparison to the hell I'd just gone through. I checked the MLS every day, watched homes I saved while I rented go pending or under contract in a week, or sell for over asking.
My heart sunk when all the homes I wanted and lost out to were back on the market as a rental property, or were slightly updated prices 50k-100k higher than before. Homes were being sold by opendoor, or rental from the very people I used to buy to rent from. I couldn't believe to this day how many homes I lost out to, sitting vacant for MONTHS prices dropping and dropping as the feds raised the interest rates. I went to open houses, asked what people wanted for offers (so I could be informed when I was ready), and knew my chances were getting slimmer and slimmer.
All the while, my commute was the devil. Traffic galore, accidents making my drive time go from 30-2 hours to and from. It was far from family, the mileage on my car grew so fast, my tires were wearing faster. The home was way too big for us (2765 sqft) and difficult to maintain. Beautiful home and town, but not for me.
The rent was also too high. It said it would be 2500, but wound up being 3100 after all of the damn fees they didn't disclose until AFTER WE WERE UNDER CONTRACT sflkghskg The electric bill was 6x the amount (bad company. People in that town are begnning to organize), water bill company demands 100 dollars no matter the usage (we only use about 60$), and the gas prices increased so high I was putting 60 dollars every 3 days in my car.
Then, my precious cat that followed me from NJ to AZ that had been with me through all of the DV, mental breaks, homelessness, had suffered from strokes. She was a stick, walking in circles, giving nothing but love. I tried everything I could, paid thousands to save her, but in the end, all I did was prolong her and my suffering. She passed in my arms. I love you and miss you, Emma.
Other life things happened, and by December, I had 200 dollars in the bank. When my income tax came, I applied for loans and said Im going to try the DPA and stuff again, It was either that, or rent a smaller house or apartment but seeing the market repeat my 2021 experience, I had to try with what I had. My goal was to get back to the neighborhood I wanted. NO EXCEPTIONS.
So I switched realtors based on a recommendation from FB. Random person said this lady would fight for me like no one else would. This realtor recommended me a lender, she said it could make miracles happen. I almost didn't do it because I had been let down by 2 other lenders before this one in 2023, but screw it. I followed his advice to the T of what to pay down, what to keep, and what to negotiate with. We gave him our 401ks info, our paystubs, had 3 of us on the loan, and explained we had no downpayment, just money for closing costs.
The market, at this point, slowed down due to the interest rates but was beginning to pick up. A lot of the homes we put offers on didn't like our asks. Which was disappointing, but I understood. What seller would want to pay closing costs for us so our payment assistance would go strictly to the home when they could accept the few cash, investor, or better conventional loan offers? The homes were going below listing, which was cool, but not quite in my 365k max range.
Until I gave way a little bit. There were 2 townhomes. One that was detached and had the most gorgeous yard Id ever seen for where it was at, and the inside was completely upgraded and bigger than it looked with a gorgeous mountain view from the master. But it was in a neighborhood that gave me goosebumps. No wonder they would accept 365k and pay everything should we put in our offer lol I couldn't do it, though. I didn't want to sacrifice being comfortable in my home safely to have a house. It was the first and only time I was picky.
At first, that seemed like a mistake, as the only other home I thought would accept our offer in my dream neighborhood said the seller had a specific number they wanted to sell at, which wasnt 365k, it was 375k. I wasn't going to get a home after all. I knew my ask was tough, and I wasn't going to get a house despite trying for another 3 months. I gave up. But then... I thought about something. That townhome in the neighborhood of my dreams, they wanted 375k? I restructured our ask to get to that 375k. A few hours later, my realtor texted me if she could call. It was urgent.
I was at work and went into the office and called. THE SELLER ACCEPTED OUR OFFER, THEY ACCEPTED OUR EFFING OFFER! THEY ACCEPTED IT!!!! I cried so hard, hyperventilated, cried some more, and told myself I wasn't going to get excited. I had this happen before, after all.
Well, guess what? Long story short, after hurdles during this closing as well, needing to push it back for this or that, WE CLOSED!! WE CLOSED ON THE HOUSE, IT WAS MINE!!! IT IS MINE!
The seller paid for all of the closing costs. DPA paid the downpayment at 3%. The rate was 6.85%, DPA loan at 8%. I paid for the appraisal and inspection, that's it. Only 1100 out of pocket. Monthly payment was 2865, my max, but it is MINE and EVERYTHING I wanted besides having a huge yard (it's still a decent sized yard) and open kitchen Home is 8 min from work (bye bye crappy commute!),community has incredible amenities, sub division has a pool, HOA covered roof (it was new anyway), new AC, new dishwasher, freshly painted, 3 beds 2 and a half baths, 1400sqft, 2 car garage with driveway, upstairs and downstairs like I always imagined, and so much more.
Every hurdle, every tear, every breakdown, taught me what I needed to know and led me to home. After saving for a year with the cheaper electric, water, gas prices, and mortgage, we just refinanced. Got a 5.75% rate (I thought it was 5.32, but after we closed today, it was 5.75%), the home appraised for 395k with no changes besides adding a fridge and new oven. The equity paid every penny of the refinance and the DPA loan. My mortgage is now 2550. For us, this is affordable now that we are debt free and still have savings!
I got my home with the most undesirable circumstances. I may be an exception, not the rule, but if my pathetic self can do it, i promise. You can, too. Don't be defeated. Don't let the investors win.
You need to win.

I’m 20 and have a decent job where I make north of 50k a year and have three lines of credit . One a capital one quick silver with (6500) available credit,it’s the first one I ever opened and had ever since still use it . The second one was actually some furniture that I bought at a furniture store and no interest for 36 months I got approved for 7000 but only used half. I still got 2000 left to pay off.The third one being an Apple Card with initially 3k now 5500 available . I pretty much use half on both the credit cards every month . I plan on buying a house on mortgage in the near future (2-3 years ) and currently do a lot of shopping at Sam’s club,Home depot and other construction/ tools places and was wondering what’s the best credit card for me to get now to get to the next step and the max rewards ? I don’t have a buissnes now but I’m looking to get one in 3-4 years. Also I don’t buy cars new or need one . Credit score 720. And should I leave that 2k alone and just keep making the payments or transfer to another bank or just pay it off thanks.

I’m 20 and have a decent job where I make north of 50k a year and have three lines of credit . One a capital one quick silver with (6500) available credit,it’s the first one I ever opened and had ever since still use it . The second one was actually some furniture that I bought at a furniture store and no interest for 36 months I got approved for 7000 but only used half. I still got 2000 left to pay off.The third one being an Apple Card with initially 3k now 5500 available . I pretty much use half on both the credit cards every month . I plan on buying a house on mortgage in the near future (2-3 years ) and currently do a lot of shopping at Sam’s club,Home depot and other construction/ tools places and was wondering what’s the best credit card for me to get now to get to the next step and the max rewards ? I don’t have a buissnes now but I’m looking to get one in 3-4 years. Also I don’t buy cars new or need one . Credit score 720. And should I leave that 2k alone and just keep making the payments or transfer to another bank or just pay it off thanks.

my mother changed my birth certificate in 2015 i guess with my consent, i have no recollection because in 2016 i got in a car accident, it ruined my cognitive abilities and i was basically incapacitated for the next year or so, so in my perception of the world, i had no recollection that i was no longer that person, the nys dmv had no care in finding out and making me change my name, i got arrested in 2018 and it was under my old name, i was then moved to new jersey where the mvc didn’t recognize my real name, both bergen county and monmouth county neglected to find out my identity, i had to go there 270 miles from my family wound up depressed went to a mental hospital after meeting a girl who became my fiancé then she got pregnant the baby died subsequently causing the strain to be too much and she had to leave, having no support, being alone alienated i served 4 years probation was jailed numerous times and given a car loan, many bank accounts and credit cards, many identifiable documents, and was like i mentioned before, committed to a mental hospital, all a byproduct of my first arrest, the one that ruined my life, all under an name that i no longer was legally tied to for years, i feel like somebody should have recognized the name right ? why didn’t anybody know that i had a different name ? who is to blame ?