Wednesday- mid afternoon

So I was asking this dude off of Facebook Marketplace a price to go ahead and do the dozer work on my property.  I figure half a day will do it easily.  It's almost entirely just smoothing it out, we're not talking moving or bringing truckloads of dirt or anything beyond taking down a couple of burn piles and smoothing out the rest.  For a dozer, this will be an easy job.

I sent him pics of everything and then said it's approximately 1-1/2 acres.  His price? $3,500.  

He wants to drag it out several days and just milk the cow.  Well honey, my cow isn't completely full of milk at the moment, I'm just trying to expand my operation so I can get some  more money flowing in, save some of it so I can expand it further - etc.  I'm not paying that much money for such a small amount of work. I figured more like $1,500. So, my quest to either find a dozer to rent or one with an operator at a more reasonable price continues.  

Meanwhile, the septic contractor finally got back to me - just a few minutes ago actually. He's been out of town, he'll get me a quote tomorrow morning.  I intend on moving on this quickly. I want to try and get 3 lots in right off the bat - well within a month or two time anyway.  Everything takes time.

Getting the septic installed - time.  Finding a dozer - or a blade - time.  Getting a contractor out to install the meters - time.  Then me doing the trenching and installing pipe and wire - time.  It's the initial stuff that takes up the time, after you start trenching and running your lines/pipe, it goes much faster, the basic stuff is out of the way.  But as far as I'm concerned? I'm full tilt into this.  My "let's gooooo!" gear has been engaged, let's get this moving along.  A lot of this is going to start with how much they want for another septic. The same size/system I got 2 plus years ago is going to cost more today.  That was before inflation took off and pricing of everything skyrocketed.  

That's what is occupying my mind at this point.  I don't want a half-@$$ed setup, I want it right but it doesn't need to be fancy.  

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I've got that kid at the park asking what size I need? Dozer that is.  Umm, I dunno, not a huge one.

The application for a loan to pay off credit card debt is in. It's through CreditKarma and I get $50 if it's denied.  That's their guarantee. I really want this loan, dunno if I"ll get it. They asked for a lot of documents, all of which I sent to them immediately.  The interest rate is ok, good enough, the payment would dump almost $900 per month in outgoing payments and I would be in a much better place financially, plus my credit score would sky rocket.  

This is NOT debt relief. That is almost scammish in nature, a thing I have delved into on this blog previously. Basically, you don't make any credit card payments to any of your creditors, the money instead goes into an account where after it's built up enough, the debt reduction company makes an offer to a cc company for half or less of what is owed in exchange for cash. 

But meanwhile, your creditors are breathing down your back.  They try to tell you that all calls will go to them. All well and fine if that's true, but the fact is: you are screwing your creditors and your credit score will tank drastically and probably stay down there for a long time to come. 

No, this is just a flat out loan.  It's 5 years, yes, but I would be paying off those cards indefinitely.  I mean, who knows how long it would take at skyrocketed interest rates?  I won't go too much more into this now, I don't know if I'll be approved. 

Enough. Time for bed.