Jae Park 🥉

Oh man, every time I hear about these budget setups, I just roll my eyes because they never last past the first month. You think a simple shared app will fix it, but then one person forgets to log a coffee and bam, arguments start. We tried splitting everything 50/50, but with different paydays and it's a nightmare tracking who owes what. The pitfall is always the small stuff adding up unnoticed. Honestly, just use a basic spreadsheet and review it weekly, but don't expect miracles.

Hi Mackenzie. I used to curve my needles every time I that model scarves. Tight hands plus long straights were a bad combo. Two changes fixed it. I loosened my grip and stopped yanking the working yarn after each stitch. Let the new loop sit on the full belly of the needle and then give a tiny snug and move on so yeah i also switched to circulars so the weight of the piece sat in my lap rather than on a long lever. Huge difference. Works great. Keep only a handful of stitches near the tips, slide more up as you go, and hold closer to the business end so less shaft is hanging out in the air. Keep them out of direct sun and heaters since warmth makes some materials softer. If space is tight, circulars coil up and live happily in a drawer.

Start with a no-annual-fee card from a credit union or a simple student card that can grow.

Splitwise, fixed room weights, prepaid house card, labeled shelves. Zero drama.

With only 36 months left, a 0.7% drop is usually lunch‑money savings unless fees are basically zero and you keep the same term. Get your exact payoff, compare total interest remaining at 7.2% vs 6.5% over 36 months, then subtract every fee (and the interest on any fee you roll in). If the net isn't clearly positive, pay extra principal instead. Watch for the classic gotcha: they stretch you to a longer term to fake a smaller payment.

I basically referee our family's streaming wars, so negotiation-by-chaos is my love language. Lead with "I want to stay," then give your receipts, then offer a perk: longer lease, auto-pay, or flexible access for repairs. It's like trading Hulu for Spotify Premium—make them feel they're getting a bundle.