Note: This is the introduction the Jim put together to introduce himself to all of you in hopes of becoming the next blogger for BAD. If you have any questions or observations for him, please leave a comment. You can find more information about this blogging position here
Hey everybody, my name is Jim, a 32 year self-employed husband and father of two. I have been on the road to get out of debt since last year. And to be honest I thought I was doing pretty well, paid off three credit cards, all my student loans, and a personal loan. This all done on about $30,000 combined income for my wife and I.
My greatest accomplishment was paying off the pain in the butt personal loan at the end of the year It just so happens to be also one of my biggest consumer mistakes I have ever made. My wife and I were just moving in together, when we got this loan for all of our furnishings. They were marked at great prices, and even had a 18 months same as cash plan. Well turns out that they didn’t make the monthly payments to equal a complete payoff in 18 months. And when month 18 came around, we got hit with all the incurred interest. Needless to say a $5,000 loan turned into $9,000.
Have you ever heard the Booker T. Jones quote, “If it wasn’t for bad luck, I wouldn’t have any luck at all,” well story of my family’s life. We don’t dwell on it, but almost all the time, things just don’t work out for us. Don’t get me wrong, there are periods of time where everything is going pretty good, but then we are hit with something we didn’t expect, or something that was totally out of our grips to control.
We have no savings, no emergency fund, no college savings, and very little for retirement funds and live month to month. At the end of last year, I had written up a game plan and that was to really snowball our debt and start building our credit scores back up to a respectful number. But as stated in the last paragraph, our luck just wouldn’t let this happen for the last few months and we ended up taking more debt on.
Let me start from the beginning of this year… First off I was totally unprepared for the winter that we have been having. We have been in the house that we rent, since End of September 2011. Before that we rented apartments. With that said, we were going through roughly 100-150 gallons of oil per month, the last two years. Well this winter, we have been going through 250-300 gallons (I honestly don.’t even know how I came up with this money). and we ran out of oil on two occasions. On both occasions we had oil coming the next day. Last week was one of those occasions, and well… Our pipes froze overnight and the radiator in our kitchen burst. Talk about an added expense, with that and the next thing I talk about about… there went our income tax return.
In the beginning of last month, my wife and I were in a car accident where we hit some black ice and went into a guard rail. The vehicle that we were driving (’04 Chevy Malibu) was deemed a total loss. I only had $1400 left to pay on it. Now I hated this car, I put just about the same amount of money fixing this beast as I did financing it. I was hoping to get another year at least out of it, then trade it in for something better. If everything would have worked out, it would have been paid off in April if not sooner, and we could have started saving for one. Well after everything was said and done, we got $2400 for the payout.
I already knew that both the wife and I had pretty bad credit (I will tell you about it in another post, if I am chosen) and I was going to start working on this, this year. As this was our only vehicle, we had to find another one. The wife and I had each a stipulation when we were out buying a vehicle. Her’s being that if I wanted another child that we get a bigger vehicle. Mine was that I wanted one that had low mileage so I would be able to pin point many things that could be wrong with it, as I do most of the car maintenance on my own. We ended up getting a ’13 Dodge Grand Caravan.
I am pleased to say that we love the van, what I can also say is that I hate the financing that we got. I hope that I can get it refinanced, if there is such a thing. But we do have sub-prime credit… and might have to take the big hit if we have to.
Well I know all of you readers are number people and want to see the numbers so here you are. The first table you might not be interested since it has to deal with my utilities and everything, but it is something I track so I am still going to put it here.
| Rent | Electric | Oil | Verizon | Auto/Renter Ins. | |
|---|---|---|---|---|---|
| January 2014 | $600 | $105.44 | $1019.79 | $76.35 | $369.28 |
| February 2014 | $600 | $84.46 | $388.90 | $76.59 | $134.52 |
| March 2014 | $600 | $89.10 | $ | $76.54 | $118.48 |
And here is my total debt numbers as of the end of last month… Please note that there are two car amounts, that is because we still have a balance until the bank gets the check from the insurance company.
Store Card #1: $203.18 (24.99% APR)
Store Card #2: $532.55 (22.9% APR)
Credit Card #1: $3279.37 (13.99% APR)
Personal Loan: $1725.63 (15.5% APR)
Car Loan #1: $1435.92 (10.19% APR)
Car Loan #2: $17914.69 (12.99% APR)
——-
Total: $25,091.34
So there you have it… As of next month I will be starting from scratch, and am willing to take any and all suggestions into advisement if I am chosen. Not only will I talk about my journey to get out of debt, but I am also willing to talk about how I am trying to improve my credit and everything that is dealing with personal finance. Before heading out I also wanted to leave you with a picture of me and my family.
Jeffrey strain is a freelance author, his work has appeared at The Street.com and seekingalpha.com. In addition to having authored thousands of articles, Jeffrey is a former resident of Japan, former owner of Savingadvice.com and a professional digital nomad.
Oh my gawd those interest rates.
You’re situation would be interesting if you’re willing to listen to the peanut gallery and make compromises…and it pains me to see those high percentages on the interest.
Haha… It pains me even more. There is a reason that all my interest rates are that high, that I will share in a future post if I am selected. I have made many compromises to get out of debt, but I am always willing to make more.
If you’re renting, why did the pipe freezing and radiator problem cost you? Shoudn’t that have been paid for by the landlord? And if these were your additions to the home it should be covered by your renters insurance.
Is your Jan insurance payment paying for six months of renters insurance while the other two months show car ins only? If one of you is a stay at home parent or you both work close to home(or even at home) you may qualify for your vehicle to be a pleasure car vs. a commuter car. It lowers the price.
I know I’m being nosy but I’m curious as to why you only make a combined $30k. Is it because you each work part time to be with the kids? Or one of you stays home?
I know emergencies keep tapping you out, but I would still be interested in learning how you live on that amount. And is it $30k gross or take home? I would like to stay home with my son but i can’t figure out how and here you are living on less than my husband’s $50k gross salary. I would love to see detailed figures that cover ALL expenses (food, medical, spending, extra curriculars for the kids, etc.)
And what state do you live in? that helps when converting cost of living figures to Tx. You talk about oil so i’m assuming you don’t live in TX. It’s freaking hot here. Like, right now. I’m wearing shorts and I’m burning up. (not to make you jealous, I promise)
Good luck!
PS. I loved your picture. That’s awesome that you have matching hair.
Hi Laura,
The reason that it cost me, is that it is because I ran out of oil. Keeping the house heated is my responsibility, and with that said my landlord was more than willing to help out. He actually forked out 50% of the bill, which was more than I was expecting him to pay. This probably would have been covered under my renters insurance, but I did a cost analysis and after the deductible and the chance that my insurance would probably go up, I just thought it would make more sense to use my tax refund.
You nailed it on why my January payment is more expensive… I wouldn’t be considered a pleasure car, for one of the contracts I do, I put 32-35 miles each and every day. And to be honest the car deduction is my biggest deduction, I usually can’t even claim everything I can on my taxes or I wouldn’t get the earned income credit, which does help out my family.
The $30k is our base income, there are some months that we do make more than that, which I will go over at some point… But we are limited in what we can do. What I can say is that my wife is disabled and can’t go back to work. I have very detailed expenses, all except for my shopping (I do a lot of shopping at big stores, and I don’t break down what I buy in the store.)
As for the state I live in, it is Pennsylvania. And please don’t say we have matching hair, haha. Maybe in the picture it appears that we do, but she had fuchsia hair and I had a dark red. Since that picture was taken (I believe it was in November). But since that time, I actually went short and took most of the color with me, and the wife well she just died her entire hair a bright pink.
Thanks for the amazing questions and giving me a chance to answer them back.
I like Jim’s story. I am free from consumer debt now, but I can relate to how nothing seems to go as planned while I was digging my way out of debt. I am intrigued enough to really want to hear more!! Good luck!
Hey scarr,
Believe me when I say there is so much more that I didn’t even cover, basically that is just one month in my life, haha.
I am hoping I get the chance to actually tell more of it.
You have a beautiful family. I think you need to move. Paying that much for heating oil will always keep you in the poor house. I am also interested in your income sources.
I would love to move, but there are circumstances that make it damn near impossible to move. I can actually say that I lived in all 50 states and 14 countries for at least three weeks. That is something I am a little proud of. Thanks for the nice compliments on my family!
Ouch on those interest rates is right. Best of luck in your debt journey!
Is your wife on board with debt payoff? Will you have the time to commit to writing the blog weekly? Would you or your wife be willing to take on more work to throw more money at your debt?
Hi Theresa,
The wife is on board! I don’t think she is as committed as I am, but I see her point. If I could I would throw every cent toward debt, but that is not realistically possible. I have too much time to write! I am actually trying to get a freelancer writing career off the ground. I do take on contracts throughout the month that I do throw money toward my debt. If it wasn’t for the pesky new car loan, I was snowballing about $200 extra dollars to the old car loan, which would have paid off the car in three or four months, that was without the extra cash I find.
First, congratulations on what you did manage to pay off thus far. That is a huge accomplishment. Second, the smaller auto loan will be paid off shortly, so that will help as well. Third, I’m curious what your industry is? Please don’t take this the wrong way, but if you work in the type of industry that you have to present yourself in front of clients, maybe consider losing the red streaks so you could look a little more professional? I love them, but honestly, I’d have a hard time hiring someone with them. 5th, I’m curious too why the landlord and/or renters insurance didn’t cover the pipe damage. Lastly, is it possible to increase business? Reach out to other avenues that you aren’t tapping into right now? Good luck to you – I hope you continue blogging!
Hi Sharon,
Thanks for the kind compliments. As for what industry I am in, well I am self employed and I do a little this and a little that. I have degrees in both Culinary Arts and Hotel/Restaurant Management, however I left that industry about 2 1/2 years ago. My main form of regular income, for the most part no one even sees me. Currently I do not have any colors in my hair, this picture was our Christmas family pictures that we had taken in November.
I did answer about the pipe damage, but I will give a quick summary. The landlord was willing to pay for half of the damage, and after weighing the pros/cons of using my renters insurance I decided not to use it. It was our fault that we ran out of oil, so I think it is only fair if we had to pay something.
It is always possible to increase my earnings… The $30k is only a base amount.
Thanks for commenting!
I think this is a good one. I’d love to see a family one. Your oil bill is similar to ours, the cold in the NE is killing my budget.
Really like this families’ journey. I also feel like things always pop up with finances and would looks to see how they navigate the natural ups and downs in life. Also, echoing what another commenter said on another post, would be nice to follow someone with a smaller debt load.
Holy cow!
I like these people, not because I can identify with them, but because I want the poor guy to succeed! That said, the BAD community can be ruthless. 😉 I noticed you said you had to buy a bigger car if you were to have more kids and all I can say is how is that even an option? You have two and one of each gender so I’d definitely call it good and work to get out of the hole. And with those interest rates, there’s no doubt that you have a debt emergency.
Hello Meghan,
I didn’t say we bought the car because you were considering more kids. I had to buy the vehicle because the one we had was totaled. We were planning on using our small Malibu until it was on it’s last heels, which could have been a few more years down the road. As I replaced the motor, exhaust, alternator, and was considering doing the transmission as well.
Because it was totaled, my wife and I each had a stipulation if we went through financing. Her mindset was basically since we were talking about having another child, she didn’t want to go through this process a year or two down the road. My stipulation is that I wanted to be able to tell exactly what was done to the vehicle.
My daughter is actually my step-daughter and we only have her 50% of the time. The fact is I want another one, plain and simple. I never said when this would happen, it just something that my wife and I talk about… because we do have to plan for it. For we would have to stop a lot of her treatments for her disability. It isn’t something that we want as a surprise.
There is no denying that we are in a debt emergency… the interest rates was something that might have been avoided, but probably not. I will surely talk about the reasons they are so high at some point, if I am selected. But for now, let’s just leave it at that.
Thanks for your opinion!
I agree with Meghan that the BAD community can be ruthless so I would like to add a quote, “those who live in glass houses shouldn’t throw stones”. I would like to say to you, Jim, that I think you have made great strides towards not only your elimination of debt but the education aspects of personal finance as well. With that in mind, we tend to internalize when life throws us a curve ball such as the unbelievable weather this winter. Things break, pipes burst, cars break down, and we hit guard rails on black ice! Such is life or Murphy’s Law as Dave R. calls it. But please don’t think or yourselves as having “bad luck”. You are very young and when you are my age, a grand 57, most likely this period will be forgotten.
Other things, people say you need to move….Hmmmm, the grass is greener concept. Live your life, enjoy your family and time together, the debt will get paid for you don’t seem like crazy spenders. And if you consider moving South, I would check out all the job options. If you are in IT, Raleigh are is not the place to be job wise, and remember, Atlanta got slammed with weather too. Which, they are not prepared to deal with for heating costs can be enormous there. Do your best and forget the rest! You seem to be very conscientious, so set your career and life goals, create a plan, risk is good, and remember this is your life, not the BAD communities’ life, so go out in the world, and make the most of it.
Thank you Diane for the kind words. Everything you say rings very near to me. I really don’t want to have this POV about life. I am generally a very optimistic person, except for when it comes to our finances. I wouldn’t say that they are curve balls but very big screw balls (even harder to hit… haha) Hence the title of my post, When Nothing Goes Right, Go Left. I am not letting it get me down.
If I didn’t take on this car loan, everything probably would have been paid off probably at the end of the year or the beginning of next year. But as you said such is life.
Once again thanks for the kind words!
I find many of the stories that have been profiled here the last couple weeks quite compelling, and I think that there has been more activity on the blog than I can remember for a couple years.
I would love to see:
1-3 “main bloggers” contributing 3-5 posts/week (total).
Additional 4-6 bloggers who can contribute here on a monthly or every two months basis?
If you look at the Q&A within each thread I feel like there could be quite a bit of hopefully helpful engagement even just checking in every several weeks.
Hope such a thing is feasible.
Joe,
I like your idea.
I actually like this idea, I have been in this community since a few months before Tricia stopped blogging. I used to comment quite often, on Beks. But to be honest after she was done, I didn’t care on the way the posts were formatted, It gave me headaches. So BAD started to be one of my last stops each day in my RSS Feed. As unfortunate as that is, I love the fact that there is so much activity and with all these new bloggers, it has gotten me excited all over again.
I certainly want to see this family succeed, but it doesn’t seem like they are really committed to getting out of debt yet. An $18,000 car loan on a $30,000 income – um, wow. I just don’t think they’re going to stick with it and the blog will be abandoned again soon.
Hi Felicity,
To be honest, you can think what you want, about how committed I am or am not about my debt. I never stated how much debt I paid off last in the last year alone.
The $30,000 is a base amount… the amount guaranteed each month. As stated I take many side projects and that increases my pay.
By any chance do you own a business or know anything about taxes? Since I use this vehicle 80% for business and 20% for personal, I will be able to deduct $14,400 over the next five years on this car. Not only that, I get to deduct 80% of my gas, insurance, and all repairs. Or I could take the standard deduction and take a deduction of $.56 per mile driven for business and $.235 per mile medically. This is huge!!! Just this deduction alone can make a $50k income have virtually no taxable income!
I am not sure which one of these I am taking yet, I have to re-read the tax rules, for I know one will allow me to switch what I want each year, but I can’t for the life of me remember which one it is.
This is one expense that I honestly don’t mind how large it is. Now if I was getting a sports car or something like that, that is a different story… But I got a mini-van. And it is something I don’t regret.
Cheers,
Jim
You’re right. I can think what I want, and what I think is that you’re rationalizing a REALLY bad financial decision.
I’m sure that a reliable car that is needed for work can’t be a $2,500 beater car, like mine. Sometimes, it’s better (especially since he’s using the car for work purposes) to have a new/newer car that is going to be reliable. Because, in my experience, that $2,500 beater car has cost me alot more in repairs over the last ten years.
I completely agree OC, over the last two years we threw about $5,000 at the car trying to keep it up and running. We did everything we could, I put a new motor in it, a new exhaust, a new alternator, and was going to put a new transmission on it.
While I did weigh and outweigh the pros and cons, the pros of owning a new car won. If it was possible, I probably would own a beater car as a second car. But that isn’t an option at the moment. Even though I can deduct the vehicle it isn’t a dollar for dollar amount.
What I do know, that it is really hard having a 4 door sedan that has two car seats in it, and a trunk that is filled because of the stroller we have to carry. When grocery shopping it was like a Tetris game trying to figure out where each bag should go. Haha
I look forward to hearing more about your story and seeing you and your family become debt free! I think your situation is unique with your wife being disabled. Sometimes we take our health for granted and if any one of us became disabled paying down debt would be the last thing on our mind esp having little mouths to feed. Would you be willing to share your wifes disability and you mentioned treatment…how much in medical costs are you responsible for? My vote is for Hope and Jim so far! Goodluck!
Hi Allison,
Thanks for commenting! My wife suffers from both physical and mental illness. The physical being fibromyalgia and the mental being depression and anxiety. She has Medicare, which does cover much of the expenses. We currently pay 150 monthly premiums, that get automatically taken out, so we really don’t even miss this money. With that said I would estimate we spent roughly around $2,000 last year. But with that said, for almost half that year she wasn’t getting much treatment for the mental side… While pregnant with our son, and about a year after, she was doing better. Like all mental issues, it is a roller coaster ride. So I do expect that amount to go up this year, for she is back on many more treatments.
Oh man, I completely understand what she must be going through. I’m going through something similar right now too. One thing i know is that it’s so much easier said than done when other people say just pull out of it. Depression is a real serious illness and people who can pull out of depression easily without therapy/meds aren’t really clinically depressed.
I hope all the luck for you and your family! I vote for you guys instead!
We never thought she was pulling out of it. It was just a good year, but we also think it had a lot to do with having our son. He was basically giving her hormones or something… She never felt better. But with that said, every pregnancy is different. She said when she was pregnant with the daughter, it was a polar opposite.
Which in hindsight is a little funny. If you knew anything about our children, they are POLAR OPPOSITES as well. haha Down to physical looks.
Hi Jim! You have a lovely family. Thank you for sharing some of your story with everyone, and good for you for thinking of other things besides just the sticker price of the car. I really like your attitude and hope to hear more of your story 🙂
Thank you very much Tricia! I also enjoyed your attitude and hearing your story! I would love to hear an update with how life has been treating you.
I suppose an update is long overdue. Life has just been so crazy lately. If you asked me a few years ago if I would be living the life I am right now, I would have told you that you were smoking something. I thought we’d have lots of money saved up with no debt whatsoever, including the mortgage (I just tracked our credit card payoff on here). Life has other plans sometimes and boy…did life have other plans for us!!
now, we really want to know your update, Tricia! Especially with that teaser, lol, j/k.
Isn’t that the truth OC!
Hi Jim:
I’m looking forward to hearing more about you your family. Congratulations on making this decision to live frugally and get out of debt early on – it will serve you well.
One thing I will say about the kids – I totally understand the urge to have another child (I have three myself)- but I think it’s easy to forget how expensive kids are in the long run. I’m not talking about college, actually. It’s just that when my kids were young like yours, I thought I knew how much it cost to raise kids. I had no idea. Now that I have 3 teenagers, I realize that we should have made different financial decisions. I am not talking about not having a 3rd here – just that with a bit more understanding of the costs, we might have bought a different house, moved to a different town, etc. I certainly hope you are or will be in a town with a great school system. We are, but the taxes are brutal!
Anyway, with a disabled wife, you will be putting a huge amount of pressure on yourself to succeed/earn. It may be easier to face now while you are young and energetic than it will be when you are nearing 50 and have to send 3 (or even 2) kids to college. I work from home, so that I can be here for my kids. It’s a great set-up, but it puts a lot of pressure on my husband who makes most of the money for our family. Just look out for your future self – that’s all I’m saying!
Good luck. I hope we hear more from you! You have a very cute family.
Hey there Jaye,
You make awesome points! I actually think about these a lot… The fact of the matter is, that I would spend every last dime I have on my children and providing for them. I know that, this is not what you are implying at all. Our school district is a decent one, but not the best in our county. It is the one both my wife and I graduated from.
There was an option of three different schools that we could have chosen from. Our daughter’s father’s school district (which would be rolled into our school district come high school), Our school district, and a public charter school. This actually deserves a post all in itself, for it did cost us a lot of time and some money to get it to our school district.
Thank you for saying kind words, and giving me things to ponder about… especially about looking out for our future selfs! It is much appreciated.
Hi Jim! If anyone needed an emergency fund it’d be you! Holy smoke! It’s too early for me to take a close look at your numbers but at first glance my inclination would be to pause on snowballing the debt payments and get a small emergency fund set up – $500? Ideally, $1000 but since you’re living close to the edge $500 might be more achievable. It would help prevent you from putting more on the credit cards.
Anyway, I wish you the best of luck, and I hope you’re picked – I find your story compelling.
Btw, to TPTB, I think a male blogger would be a good choice. With the exception of Adam & Emily, all the other bloggers have been women. I think having a guy might put a different spin on things.
Hi Jenn,
You are probably right about the emergency fund! We used to have one, but when one of our emergencies came up, we never replenished it. That was before I was full time self employed. We no longer use any of the credit cards we paid off, and all but the one store credit card are no longer used as well. We only put on that one for when my wife needs clothes.
Thanks for commenting!
I’d vote for Jim. He’s on a roll here already with quick and thorough replies. Plus that HAIR totally wins. Beautiful family. I agree with Jen from Boston above – work on a small emergency fund asap, before tossing extra towards debt. Your oil price for January nearly makes me cry – ouch! And those interest rates are crazy, we’ve dealt with those before too. My current credit cards have high rates, can’t wait to ditch them. Anyway, I vote yes for Jim. He doesn’t seem to hold back!
Hey Angella!
I have a confession, not sure you saw it in another post… I started following your blog. hehe
I am not new to blogging, and to be honest I love it. But all the blogs I personally started never got any traction. I think I should have probably started with a wordpress.com or blogger.com domain, but I went all out and started my own.
You can say that again about the oil…. since having to turn on the oil we paid a whopping $2641.84 and I will probably have to end up buying probably another 100 gallons this month.
We weren’t dealing with those crazy interest rates until last year… Up until that time I had my wife’s credit at a 750… we were getting good rates. But that story is for another post.
If you love my hair, you would love the wife’s. For a few days it was a very bright pink. She didn’t really care for it, so today we just got done dying it a dark purple.
Thanks for commenting!
Oh I didn’t see your previous comment about following me, but thanks! I’m a fan of hot pink hair myself, but haven’t had it in a couple of years. Never too old for hot pink, right?! Maybe. 😉 I hope you get picked for BAD. If not, get your site up and running and hit me up!
Thanks… and I will do just that, especially after reading some of your blog posts. I have been really aching to do a niche site as well. The site that I link to here on my comments will be a site to talk about all my online endeavors. I did have a now dead blog as well.
I will def hit you up…
Thanks for the wishes!
I like Jim’s story. It is one I can relate with more as I have been in similar situations. I just want to say that you CAN live off $30,000 a year with 2 kids, because I have done it. It just means sticking to a really tight budget. Good luck!
Thank you Sheila! We have been doing just fine paying off debt, throwing about $1000 a month toward it. I say that is pretty good.
holy! You definitely need to be the Next BAD blogger. While i understand that your rent and fixed expenses are alot lower than mine (my fixed expenses – no cable, etc – are around $2800/per month), it’s still amazing that you can throw $1,000 at debt, which i’m still struggling to do. Keep up the good work!
Hello OC,
Unfortunately for the past few months with the oil situation, I haven’t been quite able to throw the normal $1000 at my debt. But I throw as much as I can.
Thanks for commenting!
I also like Jim. The content was readable, and he told us a good bit of his story without going off in a thousand different directions or bogging us down with too many details at this point. He’s obviously working to improve their finances, but could maybe do with some helpful advice and outside views on the situation. He seems very open to suggestions, stands his ground on personal choices, and doesn’t get all defensive with judgmental comments. All very good things. I also agree that the male voice is a refreshing change as well as seeing an adorable family and something a bit different than a higher income paying down mountains of student debt.
That said, Hi Jim! I agree with some other commenters that you need to reprioritize the emergency fund. It sounds like the bumpy road is getting to you a bit, so get some savings going to help smooth things out. Paying down debt is important, especially at the interest rates you have, but I think that creating a stable situation is even more important. If you get some good solid footing, you may still hit some setbacks, but it’s less likely to completely knock you over.
Hi Slinky!
First and foremost thank you for the kind words. I agree with the emergency fund, and do plan to start implementing that starting in April! Hopefully I will make enough to fully fund it, but I am not sure I will.
My son’s birthday is the end of the month, and what we do is… On the day of his birthday we have just grandparents over for cake. The following month we usually have a party. Last year we went all out for his 1st birthday, but what usually happens is that we have a group of about 15-20 people over. The decorations usually are around $50, and the food isn’t that expensive (probably around $30)
But with that said, it is also Easter next month, so I am estimating around another $50 between both kids. Can’t have the kids miss out on important days to celebrate. You know?
Thanks for commenting!