{"id":737,"date":"2026-07-21T00:01:25","date_gmt":"2026-07-21T05:01:25","guid":{"rendered":"https:\/\/searchingwithin.com\/wordpress\/?p=737"},"modified":"2026-07-31T20:01:16","modified_gmt":"2026-08-01T01:01:16","slug":"trajectory-recalculated","status":"publish","type":"post","link":"https:\/\/searchingwithin.com\/wordpress\/?p=737","title":{"rendered":"Trajectory Recalculated"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"574\" src=\"https:\/\/searchingwithin.com\/wordpress\/wp-content\/uploads\/2026\/07\/ontask_Trajectory_Recalculated_-ar_169_-profile_nf9v7hp_-s_7825a8f3-5e85-415d-bc1a-08cc2c0319e9_1a-1024x574.jpg\" alt=\"\" class=\"wp-image-738\" srcset=\"https:\/\/searchingwithin.com\/wordpress\/wp-content\/uploads\/2026\/07\/ontask_Trajectory_Recalculated_-ar_169_-profile_nf9v7hp_-s_7825a8f3-5e85-415d-bc1a-08cc2c0319e9_1a-1024x574.jpg 1024w, https:\/\/searchingwithin.com\/wordpress\/wp-content\/uploads\/2026\/07\/ontask_Trajectory_Recalculated_-ar_169_-profile_nf9v7hp_-s_7825a8f3-5e85-415d-bc1a-08cc2c0319e9_1a-300x168.jpg 300w, https:\/\/searchingwithin.com\/wordpress\/wp-content\/uploads\/2026\/07\/ontask_Trajectory_Recalculated_-ar_169_-profile_nf9v7hp_-s_7825a8f3-5e85-415d-bc1a-08cc2c0319e9_1a-768x431.jpg 768w, https:\/\/searchingwithin.com\/wordpress\/wp-content\/uploads\/2026\/07\/ontask_Trajectory_Recalculated_-ar_169_-profile_nf9v7hp_-s_7825a8f3-5e85-415d-bc1a-08cc2c0319e9_1a.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Re: Question 1 from 06-19-2026 &#8211; Finances<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yesterday, I called UW Credit Union and applied for a personal loan to consolidate my two credit cards (PayPal MC and BMO Mastercard). I got approved and picked up the cashier&#8217;s check.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Numbers<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Combined card debt: ~$8,494<\/li>\n\n\n\n<li>Loan: $8,000 at 13.2% APR, 48 months<\/li>\n\n\n\n<li>New payment: $220.55\/month (down from $328\/month across both cards)<\/li>\n\n\n\n<li>BMO will have ~$494 left after the payoff, which I&#8217;ll knock out over a couple months<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">The Big Picture<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The PayPal card was sitting at a 30.24% interest rate\u2014on a 17-year payoff trajectory at minimum payments. This consolidation gets everything done in 4 years at 13.2%. By making this move, I&#8217;ll pay roughly $2,600 in interest instead of $15,200\u2014saving over $12,600.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once the check is deposited and both cards are paid off \/ paid down, it&#8217;s one payment, one loan, done in 4 years.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Humor and Fear<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While chatting in my Claude project for my BCT, discussing the new loan, Claude recalculated the savings related interest. So Claude basically volunteered to check Claude\u2019s math. Savings, good thing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Why am I still anxious and discouraged? Where is the flaw in my thinking that keeps this from being a positive act? My idea. The me that impulsively made the UWCU call must have thought it was a good idea.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Maybe I need an easier question: are Cheetos Puffs good for breakfast?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Re: Question 1 from 06-19-2026 &#8211; Finances Yesterday, I called UW Credit Union and applied for a personal loan to consolidate my two credit cards (PayPal MC and BMO Mastercard). I got approved and picked up the cashier&#8217;s check. The Numbers The Big Picture The PayPal card was sitting at a 30.24% interest rate\u2014on a [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26],"tags":[61],"class_list":["post-737","post","type-post","status-publish","format-standard","hentry","category-processing","tag-money"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Trajectory Recalculated - Searching Within<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/searchingwithin.com\/wordpress\/?p=737\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Trajectory Recalculated - Searching Within\" \/>\n<meta property=\"og:description\" content=\"Re: Question 1 from 06-19-2026 &#8211; Finances Yesterday, I called UW Credit Union and applied for a personal loan to consolidate my two credit cards (PayPal MC and BMO Mastercard). I got approved and picked up the cashier&#8217;s check. 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