• 0 Posts
  • 33 Comments
Joined 1 year ago
cake
Cake day: June 26th, 2023

help-circle





  • I can choose with my credit card to designate a purchase over 100 bucks as a pay over time purchase. I don’t use it for anything less than 4 digits, but this year we got hammered by 4 4-digit car repairs, a 4-digit tree removal, two surgeries for our dog, and a few other unexpected big expenses. I used it for the car repairs and the dog surgeries because there was a promotion where there was no fee, it just raises the minimum monthly payment, and brought the interest down. I didn’t have the cash to pay that many things off at once so I’m using to to pay them down that way at a lower rate.

    But you are absolutely right, using pay later plans for small frequent purchases is not great. They might not have a choice though.














  • I used OneNote all thru grad school and while I had complaints with the app, the ability to have notes on my surface that updated on my phone and desktop, accessible anywhere, without tons of notebooks and paper, and the PowerPoints included in the one note pages with my diagrams and notes alongside… It was great! I don’t need a notes app anymore but man what a useful concept. I hope they get better with time