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No. of Recommendations: 4
Thank you AJ. I'll give you the benefit of the doubt on all points.

Assume 12 months, not 14.

Assume 17.49% after the 0% intro for 12 months.

Assume 12 weeks to complete the side hustle even though 6-7 weeks accounted for a nice cushion to allow for uncooperative weather. Meanwhile the $6239 still drops every month until the side project is completed and this balance is zero.

Mathematically, I'm still calculating a savings of over $2000 with a no fee BT. This even assumes I DON'T get it paid off during the 0% intro period and the rate jumps to 17.49% for another 6 months.

$24,500 can stay at 13.49% and a payment of $1511 will zero it in 18 months.
Interest paid over 18 months: $2699.00

$24,500 at 0% for 12 months minus ($1511 payments x 12) leaves a balance of $6,368.
$6,368 balance, rate soars to 17.49% and payments of $1330/month pays it off in 5 months.
Interest paid over 18 months: $281.00

If the difference was just a few hundred, I wouldn't split hairs, but I'm not really trying to end the debt cycle if I'm willing to forego $2400. Twenty four hundred dollars! There's no way I can call myself "gazelle intense" if I don't seek and seize $2400 advantages. I do realize that there are some assumptions/projections here, but I'd say it's generally more mathematical than magical. You can bet against me if you want. I understand. There are a million "what if's" that aren't addressed here. The credit limit on a new card will probably be more like 10-12k which shrinks the pennies saved/earned, but this is all worth a phone call on Monday anyway.

Thanks again!

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