Less To Level Up

December 31, 2024

Using the Citi Double Cash Credit Card Stuck in my head: Dua Lipa – Hallucinate Table of Contents Hit a Snag and Restarted the Process In my last post I was approved for the Citi Double Cash credit card with an introductory balance transfer offer for 18 months with 0% interest. A small snag followed…

LEGO Speed Champions

December 11, 2024

Collectibles in 2025 I only started collecting LEGO Speed Champions in the last year. It feels like something fun to do that’s nostalgic of being a kid building various vehicles with my LEGO sets on Saturday mornings combined with great cartoons. Table of Contents Why I Started Collecting I’ve only a few sets from the…

Increasing Credit and Utilizing 0% Interest on a Balance Transfer

December 10, 2024

Stuck in my head: Allister – D2 In my last post I talked about why I sold my 2019 Subaru WRX STI. Since that debt is off the books it should potentially improve my debt to income ratio and allow me more credit to be accessed. The next step I did was apply for a…

This is how it all started…

My name is Roman Recometa III and I created Less To Level Up. I started this site to document my experience on looking for simple ways to make life less complicated. It can apply to finances where my primary goal is to create better positions for the future, material items, hobbies, and even interactions with people.

I have a Bachelor of Science in Industrial Engineering, which emphasizes optimization and efficiency. While I’ve used the concepts for work, there’s room to apply it to myself.

I could’ve started writing a month earlier, but I had one goal that I needed completed. Sell the #$%@ car. Why? I wanted a personal milestone checked off because it was a long anxiety filled process that was on my mind since June 2024 until it was sold in November 2024. It freed up cash so I could start making smarter money moves going forward. One less car meant more cash for better things.