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I think it would be really beneficial if you told this thread the following on all your debts: Make a spreadsheet(google docs, excel, whatever) with a column for Debtor name(make one up if you don't want to say who it exactly is, but tell us roughly what it is) Debt amount APR%(current APR, but note if this is an introductory APR, like on your 0% card) Minimum payment amount This would help us determine where and how you can make your payments to fastest pay down your debt and make your life better Also, please stop eating at gas stations. Look into meal planning for yourself, so you know what you are eating at least 3 days out. That way you can pre-buy the groceries you need to make them. Does your GF live with you? Does she pay rent? Also, what is your "reckless spending"? Where did you spend 6k over a few months? Can you break it down by category? lord1234 fucked around with this message at 23:40 on Nov 15, 2015 |
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Nov 15, 2015 21:39
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Uncle Wemus posted:Hey its been a bit and I've made some changes. Awesome spreadsheet, can you clarify, are those the payments you have been making? Or the minimum payments allowed by your credit card companies? Or are those the same thing? Also why are your student loans not listed here? I'd be sending as much money a month at that Capital one card a month. If you have a few hundred left over every month, send it to the capital one card. Especially now that you just lowered your mortgage by 169$ a month, you should at least be sending an extra $169 at that debt every month. I hope you send more. How much did the refi cost you? How did you pay for it?
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Nov 17, 2015 05:07
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Uncle Wemus posted:Those are the minimums. I've tried to pay more where I could. I didn't list the student loan because I figured it wasn't important as it won't be paid off for a long time. Add it anyways, just for reference purposes. Can you potentially list all your inflows and outflows a month in spreadsheet form? Would be much easier to follow then your original post. How much exactly are you taking in(in income) a month? Include Rent that you get from tenants. How much outflow? Put your full mortgage price, and every other bill you paid in the last month. Having this stuff written down to the dollar instead of "rough estimate" will really show you where money is going. Note, I know that next month you won't have a mortgage payment because you just refinanced. Thats 1100$ that can go towards your debt! I know that sounds tough...so how about this. Don't send all 1100 bucks to the credit card man. Take 200$ and spend it on something you want. Restaurant eating, buy a video game, strip club, whatever....
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Nov 17, 2015 05:49
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