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oh lord, a Mini Cooper? the BFC gods taketh away and the BFC gods giveth back. Also I don't care what kind of inheritance you're getting, that much money on phones is ridiculous. Get a cheaper plan and suck it up, you've already let lifestyle creep eat away $150 every month from you.
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Mar 9, 2016 21:24
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BloodBag posted:Re: Phones. We have two smartphones, mine's a galaxy s4 and hers is an s5 that I'm still paying that $20/month thing to t-mobile for replacing her previous phone. I hate it. We both have unlimited talk&text through a shared plan and the data plans are like 3Gb each. We really like t-mobile and at the time it seemed a cheaper option than at&t or verizon. Once all the stuff with the estate dies down a bit, I'll start worrying about the phones. I'm juggling too many things at the same time to add another, but I will revisit. Maybe I just check t-mobile's site or call em up for a break? Also my goodness, your HOA is almost 40% of your mortgage. And you're not budgeting for home repair. I know you think this trust is going to make all your problems vanish, but right now you are spending above your means by a long shot. I agree with the other posters - your wife needs to not let you touch that money. You're going to use her dead father's money to pay off your stupid debt? And your parents are encouraging you to spend even more? It looks like you come from a family with lovely financial responsibility. How do you plan to break that cycle? And how on earth do you not know how much debt she's in? Start communicating!
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Mar 9, 2016 23:02
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It would definitely hurt your credit. Why not keep the lines open, and just cut up the cards so you don't spend anything on them? also congrats!!! 
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Oct 20, 2016 20:48
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