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Just a bunch of random thoughts:Uncle Wemus posted:Job: I work second shift so a second job is kind of hard. I would say this is just the opposite. It's not as flexible as, say, an overnight job, in that most places will want someone who can stay later than 3pm, but there are plenty of places that might hire you to open and work until noon. These will mostly be retail jobs, but I'm sure there are custodial positions as well. The holiday retail season is coming up. It will suck to wake up to work, have lunch, then back to work, then go to bed to repeat it all over again, but it should result in less to worry about. I recently came across this site: http://www.budgetbytes.com/ Looks like the usual "good food on a budget" website, but some of those recipes look great. And I second the "buy a crockpot" suggestion. Where is your house and do your roommates (tenants, actually) help pay utilities? If you live in a desirable location and can get more, it isn't really the wrong thing to do to charge market rent. Even if you're only doing it to improve your situation. Maybe raise it up and then take some percentage off just to keep the rooms occupied. Is that $174 in the last 30 days for entertainment typical, or capturing a large infrequent purchase? That's over $2,000 a year. I could entertain myself with flash games and YouPorn if I had to to save that much. This part may be bad advice, so feel free to call me out, other BFC posters, but looking at your monthly cash flow, is there anything you could put on the Discover card*** to take advantage of the zero APR until 14 months from now, like your utilities or pay six months/a year of your car insurance? An extra $100 or $200 a month towards your 19% APR Capital One Card should save some interest. ***Unless, of course, new purchases after your balance transfer lose their grace period for interest. I also noticed you don't have an emergency fund. Although, at this point, how could you? But think about what would happen if you lost your job or got injured? All those minimum payments.  This is going to suck, but then again I have a friend who is a single mom of three children, lives at home, and has 70,000 worth of student loan debt, from University of Phoenix no less. I can't imagine what it's going to be like for her.
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Oct 10, 2015 15:37
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It's like you're listening to advice and making changes. I'm not used to that in threads like this.
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Nov 17, 2015 03:06
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