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Commentary on me being Bad With Money is welcome and any suggestions on how to eliminate this poo poo quicker too Late 2016: increased gross income from 35,000 to 48,250 At 25, 5 years ago: bought a house with ex-fiance Shortly thereafter: she left and took her poo poo, which left me with an empty house and poor self-control My mid-to-late-20's: racked up absurd credit card debts with hobbies such as PC gaming, watches, cigars, movies, and dating I have been budgeting and have consistently paid down some accounts. Moving in my girlfriend of a year last month and sharing living expenses has my 2018 budget showing 4 accounts I pay monthly on now to be paid off by end of March. Having her around has helped me be more disciplined on spending as well. Debt totals: - HOUSE $78,514 78%= $70,122 ($85/month PMI will drop off when this is hit) - Card 1 $4,990 - Card 2 $4,925 - Card 3 $4,354 - Card 4 $5,411 - Card 5 $3,850 - Card 6 $700 - School $1,300 - Card 7 $717 - Card 8 $825 - Card 9 $870 - Card 10 $980 - Card 11 $1,080 Current budget will have card 7 paid off by November, school loans paid by end of January, and cards 8 and 9 paid by end of March (three paychecks that month). By Spring, with those four smaller accounts gone and the balances on the other small ones lowered, I figure I'll be able to move away from putting minimum payments on the big fuckers and charging small amounts to top em out again, to putting larger payments on them, keeping cash on the side as to not use them further, and finally start the grind to move away from being charged hundreds a month in interest as I slowly pay them down.
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Oct 20, 2017 23:54
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| # ¿ May 4, 2024 04:14 |
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Yeah we have loans and/or credit that can be taken against home equity, but in my case I bought a cheap house with little down and even after 5 years in this house I only have about 10k in equity.
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Oct 30, 2017 02:54
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My posts in the 2018 thread will p much be "still broke, still comically in debt, but hopefully a little less so as the year moves along"
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Nov 22, 2017 17:32
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metallicaeg posted:
- HOUSE $78,185 - Card 1 $4,946 - Card 2 $4,933 - Card 3 $4,272 - Card 4 $5,484 - Card 5 $3,878 - Card 6 $1183 - School $802 - Card 7 $2780 - Card 8 $750 - Card 9 $750 - Card 10 $885 - Card 11 $1,090 Went too hard with Christmas shopping. Also getting a new bed, though I'll have $700 coming in from my SO when she pays her half of it soon. Still on track to pay off school loan by end of January and cards 8 and 9 by end of March.
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Nov 25, 2017 05:43
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EAT FASTER!!!!!! posted:You're another $2,000 in debt. What? Holiday shopping and a new bed. 
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Nov 26, 2017 23:37
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| # ¿ May 4, 2024 04:14 |
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BEHOLD: MY CAPE posted:I guess 30 over for a reckless in a school zone if you still had your license suspended even with an attorney Paying an attorney and still getting that end result sounds like this should be cross-posted to the BWM thread
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Jan 2, 2018 17:02
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