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I'm confused what you want to do with setting your goals in your situation. Are you trying to reach a specific point? Reduce debt by X amount by Y date, save 3000 dollars for wedding by this point, or is it to be financially responsible? A lot of people in this thread are going to teach you how to be financially responsible, and although that's the best thing to work toward, unless you're on board with achieving your goals you're not going to get really far into this process. I recommend coming up with reasonable and feasible goals in concordance with the thread before bickering back and forth over what you or anyone finds acceptable. Set your goals, then work on adjusting them, then use the thread as a resource to plan your actions in reaching your goals.
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May 28, 2015 04:55
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| # ¿ May 21, 2024 16:36 |
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Spiteski posted:Yea fair enough, I guess that's on me for being ambiguous. Or at least seeming like I just want to save money then continue being bad with it after January. You're still being vague about what you want to accomplish, and the goals you want to set for yourself. Take a step back and think about what specifically you want to accomplish not how you want to accomplish it. Setting weekly savings goals is a procedure, along with "the extra money". What is the extra money, how much is that, what does it look like? Reducing non student loan debt completely is a goal. You said something specific, you gave a timeline that you want to hit it by, and it's measurable. So we'll write that down. Goal number 1: Have zero non-student-loan debt by 12/31/2016 Over that amount of time that's about 4300 dollars so you'll have to pay about 250 a month toward your card, which brings you down to an average of 88 dollars a week toward your extras. If your goal is that and 3 grand for the wedding it's probably not happening especially if you want to reduce student loan payments or be responsible and save money. If my math is off let me know.
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May 28, 2015 17:32
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Spiteski posted:Is 4300 the 3600+ interest until the end of next year? Yes it's a rough calculation of principal and interest
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May 29, 2015 14:56
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