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Blocked in my country on copyright grounds. Thanks Obama.
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Jul 28, 2015 00:25
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I just made a statement balance payment on the last credit card. Next month, my wife and I be credit card debt free for the first time in nearly a decade.
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Aug 19, 2015 19:00
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Hand of the King posted:I just made a statement balance payment on the last credit card. Next month, my wife and I be credit card debt free for the first time in nearly a decade. Hell yeah. You no longer have credit card interest depriving you of future spending/investing money.
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Aug 19, 2015 23:15
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https://www.youtube.com/watch?v=V2PP3p4_4R8 This is the missing link in your brain OP. Stop fighting yourself and listen to these people they're smart and succesful
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Aug 20, 2015 15:08
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Still $0 CC debt and my Equifax and TransUnion credit score according to Credit Karma is now at 797. Unreal! Hopped on wife's health insurance to reduce premiums. Saved $70 per paycheck. Paid off one of wife's undergrad student loans ($2,700), but new grad school semester started for both of us so loans went up. Still can't stop thinking about buying a house.   I keep hearing about 80/10/10 loans. Makes me want to buy a house for $650,000. Can't stand being able to hear the sound of upstairs neighbor taking a piss while I'm in the bedroom.It's almost at the end of the month and there are no more bills due besides spendings for food: Checking: $4,700 Savings: $16,000 CC Debt: $0 Car Loan: $16,000 Student Loans: $64,000 Cheers.
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Sep 25, 2015 16:10
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So you have no money saved for a house and want to buy a house.... Good deal.
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Sep 25, 2015 16:39
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spwrozek posted:So you have no money saved for a house and want to buy a house.... Good deal.
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Sep 25, 2015 21:59
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Move to a modestly better apartment without noisy upstairs neighbors.. or drop a half mill.
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Sep 25, 2015 23:08
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Hand of the King posted:Still can't stop thinking about buying a house. Don't focus on a house as you can't afford one, especially one costing that much. Put it in the category of being a dream for now. Until you have both finished studying your finances aren't going to improve significantly. The best financial order that will stop you from buying a house and then losing it is: pay off student debts => save 10-20% deposit => consider if buying a house is the correct financial choice.
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Sep 26, 2015 07:34
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The nice thing about apartments is that if you get lovely neighbors, you can easily move in a year. If you get lovely neighbors in a house, good luck with that. Find a place with walls that aren't paper thin(they exist!) and 95% of your noise complaints will vanish. Worst case scenario, insist on moving into a top floor apartment. Can't hear the upstairs neighbor piss when you are the upstairs neighbor.
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Sep 26, 2015 07:35
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quote:Monthly If I'm reading that right your expenses are actually $6,200? 5200 and 2300 is only 7500 so I'm assuming the extra $1k is in the CC payments line? Kind of confusing how you listed that out. I don't know your situation at all so forgive me if this comes across as rude or whatever but why the gently caress are your expenses so high? Do you have kids? You're talking about a house for ~$500k so I know you're not living in some crazy high cost area like San Diego or New York. And yeah, PMI is that bad. What PMI means is the lender doesn't feel comfortable with you being able to pay back your loan, so they give it to you in exchange for you paying for an insurance plan that will reimburse them in case of default. This means the bank does not think you are financially secure enough for this purchase and they are probably right. Just wait until you have a down payment. By then you will have a better credit score to negotiate rates with and you will also be even more secure career wise (hopefully). Zeta Taskforce posted:especially if they stay out of consumer debt, they will be more than OK You're talking about someone that is paying a $1,500 monthly CC bill with $28k in CC debt. If I were them I'd err on the side of caution rather than 'eh you'll probably be fine assuming nothing goes catastrophically wrong.' fwiw I just moved into an apartment with a fireplace, AC, top floor, and not thin walls. I can't even hear my roommate when she is watching TV or loving and we share a wall. $1900/mo for a 2 bed, 2 bath, in an expensive area in SD county. If you're just mad about living in a crappy apartment then I feel you but don't leap into buying a house just because of that. Moridin920 fucked around with this message at 21:24 on Oct 19, 2015 |
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Oct 19, 2015 21:14
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Haifisch posted:insist on moving into a top floor apartment. Can't hear the upstairs neighbor piss when you are the upstairs neighbor. This is the pro move for apartment living. Top floor corner unit or gtfo.
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Oct 20, 2015 22:19
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Moridin920 posted:If I'm reading that right your expenses are actually $6,200? 5200 and 2300 is only 7500 so I'm assuming the extra $1k is in the CC payments line? Kind of confusing how you listed that out. That's my old budget. My expenses are like $1200 lower now and budgeting to save $4,500 a month, which is roughly half of our income. Also we don't have any cc debt now and knocked down a couple of small student loans. quote:I don't know your situation at all so forgive me if this comes across as rude or whatever but why the gently caress are your expenses so high? Do you have kids? You're talking about a house for ~$500k so I know you're not living in some crazy high cost area like San Diego or New York. I live in one of the Lagunas, so, yes, it's pretty expensive. It's a 1 bd + small den and 1 br for $1850/month. Hand of the King fucked around with this message at 18:55 on Oct 23, 2015 |
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Oct 23, 2015 18:52
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I'm the adult with a career who has to take out loans to get a masters degree because
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Oct 23, 2015 19:17
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PS Remember how your wife was laid off? That can happen any time. Please don't ever buy a house if your wife getting laid off for 6 months or a year will cause you to default. Also your spouse losing their job is correlated with you losing yours (this economy  ) so plan for that possibility too.
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Oct 23, 2015 19:20
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