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Hand of the King posted:The debt snowball sounds fun because I can knock out that Chase card this week (payment is due on 4/11). But mathematically, it makes sense to hit the AmEx with the $7k to minimize fees incurred from the interest. Man, I'm so conflicted. Please, help me, internet. Make decisions for me!!! There's a decent chance the snowball method will come out ahead mathematically if you end up getting a good balance transfer offer once Chase is completely paid off and you stop using it for a couple of months. If you can commit to not using credit cards for any of your spending, I would go this route. If you can't commit to a cash or debit-only existence (seriously consider if you can though, it would go much better for your spending habits), getting in the habit of paying in full may be worth more long-term as a behavioral habit than the money you'd save in interest. Se empty the Chase card, zero it out for a month, then cut up your other cards (or put them in the freezer) and only use the Chase card, set to pay in full.
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Apr 9, 2014 00:50
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| # ¿ May 10, 2024 15:10 |
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Find a mexican grocery store. Your food budget is high for SoCal - produce is a lot cheaper there than in other parts of the country.
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Apr 9, 2014 06:57
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Hand of the King posted:Nah, we just shop at Vons/Ralphs and occasionally at Costco and Gelson's. Trader Joe's and Mexican grocery stores will save you money. Vons/Pavilions is Safeway and Ralph's is Kroger. Both tend to mark poo poo up a lot except for club card sales.
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Apr 10, 2014 00:29
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Don't think Aldi's in Socal yet. My inlaws live in Orange and frequent TJ's, Super Irvine and a Mexican grocery store that took over their local Albertson's after the strike for staples, along with Mother's market and sometimes Ranch 99 for specialty items.
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Apr 10, 2014 02:25
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OneWhoKnows posted:poo poo, you guys saying $500 is too much for a grocery budget make me feel like I need to revisit my own spending. Grocery budget is pretty regional. I've lived in Socal and grocery money went considerably further than it did when I moved up to Seattle, because fresh produce was far more expensive. Still called it the 5 and the 405 for the first 5 years I was up here. Old habits die hard.
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Apr 10, 2014 04:23
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