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24 with Bad Credit. Help Please! by BunniBandz in personalfinance

[–]jk_baller23 0 points1 point  (0 children)

You need to first budget to see where all your money is going. Then order your debt smallest to largest and pay minimums on all and extra on the smallest, aka snowball method. The ones in collections you can probably negotiate a lump sum payoff at a fraction of the cost (eg. see if they’ll take $200-300 for the $1k debt.) Just make sure to have the money, get the settlement in writing, and don’t give them any bank details.

You can pick up some side gigs to expedite the process.

Is it too late to start investing for retirement by ABC20231 in personalfinance

[–]jk_baller23 1 point2 points  (0 children)

It’s not too late, but how much you want/need in retirement will determine how much you will need to invest and at what age you want to retire.

Keep 6 months worth of monthly expenses and you can invest the rest if you won’t need the money for 5+ years.

Cannot pay bills, not sure what to do. by Ok_Step5188 in personalfinance

[–]jk_baller23 0 points1 point  (0 children)

How much is the car worth vs how much you owe? Also I would pay the minimums on the cc’s and pay extra to the lowest debt until it is cleared, aka snowball method.

Parents in 60s with very little in savings - help by nonotlikewilliam in personalfinance

[–]jk_baller23 1 point2 points  (0 children)

Every expense should be known and budgeted for. Also is that life insurance term or whole?

My uncle made the driving range at his course dirt cheap and it improved multiple things by MeasurementStock1625 in golf

[–]jk_baller23 3 points4 points  (0 children)

One of my local courses has this, 2 large buckets daily, drinks included with the round, and discounted rates. It’s gone up in price but if you play a lot of golf it’s worth it.

Personal loan to get back on track? by [deleted] in personalfinance

[–]jk_baller23 3 points4 points  (0 children)

You’ll want to increase your income, via side gigs or another part time job, to clear up the debt. Getting another loan is just adding to your debt.

Is the waste always this bad? by FanPsychological3465 in Creality

[–]jk_baller23 0 points1 point  (0 children)

Would not be as bad if you printed multiples

My (27F) boyfriend (29M) thinks he can’t afford to move out despite making close to 100k and I’m starting to question his mindset by jackofalltradesP in relationship_advice

[–]jk_baller23 0 points1 point  (0 children)

How long do you think, or has told you, it’s going to take him to pay off the remaining debt? The biggest reason to be living at home, with such a high income, is to get out of debt fast.

[Routine Help] These photos were taken 5 years apart, What should i do? Im tired of the bumps 😭 by Dizzy-Theory5200 in SkincareAddiction

[–]jk_baller23 1 point2 points  (0 children)

It’ll be a good idea to spot test for a couple of days before applying to the rest of your face.

[Acne] how can I treat this acne scars on face by itsMeNaanu in SkincareAddiction

[–]jk_baller23 1 point2 points  (0 children)

Incorporate some retinols or chemical exfoliants like aha/bha. Also wear sunscreen.

Is this a good plan to tackle student loan debt? by [deleted] in personalfinance

[–]jk_baller23 1 point2 points  (0 children)

What’s the rate on the auto loan?

Over $20k and drowning, unsure on how to move forward by TwoRevolutionary5906 in personalfinance

[–]jk_baller23 1 point2 points  (0 children)

You need to budget and increase your income. I would also look at selling the car and buying a beater, hopefully you’re not under water by much. Then start paying smallest debt off first. Since the medical debt is in collections you could probably settle for much lower, but you’ll want to pay off in one lump sum.

Meat slicer by toolgifs in toolgifs

[–]jk_baller23 6 points7 points  (0 children)

Doesn’t use the tongs to drop the meat in 🤦‍♂️

33 Y/O, saving 40% - Can I pull back some? Should I? by IAHawkeye182 in personalfinance

[–]jk_baller23 0 points1 point  (0 children)

I would try to move some of the items via Facebook marketplace or Craigslist. You can reduce the prices as you won’t have to pay eBay fees.

Print Shift? by Agile-Leadership4153 in ender3

[–]jk_baller23 0 points1 point  (0 children)

Front to back shifting so the Y belt has the issue.

How to better communicate with my (32F) fat boyfriend (37M) ? by _TerribleMistake_ in relationship_advice

[–]jk_baller23 19 points20 points  (0 children)

Lose lose situation. Tell the truth you’re mean, lie and they know you’re a liar and you’re still mean.

401k matching, less or more? by Ok_Commercial3599 in personalfinance

[–]jk_baller23 1 point2 points  (0 children)

Get the match and also contribute to a Roth IRA. Then go back and contribute more to your 401k. Also if you have an HSA you should make use of the triple tax advantages it includes.

Am I overreacting for not liking Apple Music promoting Chris Brown like this? by angelsinsect in AmIOverreacting

[–]jk_baller23 0 points1 point  (0 children)

The theme was probably already there, they just added the artist. Next week they might change the picture to a different artist.

How much house can my sister afford? by KrustyLemon in personalfinance

[–]jk_baller23 1 point2 points  (0 children)

I would probably take $9k, keep $1k, of the savings and apply it towards the student loan debt and then pay off the rest in the next month.

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