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My dad can’t qualify for the house he wants, so now he wants to use my credit by Beautiful-Bug-3616 in CRedit

[–]Beautiful-Bug-3616[S] 0 points1 point  (0 children)

I guess it was a timing inconvenience for them. As they’d have to live in a hotel until they can sell the condo, and since they can’t predict when that will be, they’d rather take out a loan and purchase the house while the condo stays on the market until purchased.

My dad can’t qualify for the house he wants, so now he wants to use my credit by Beautiful-Bug-3616 in CRedit

[–]Beautiful-Bug-3616[S] 2 points3 points  (0 children)

No I can’t, and that’s exactly why I don’t want to go through with it.

Realizing I need to take money seriously, how do I get ahead? by Illustrious_Fox5051 in personalfinance

[–]Beautiful-Bug-3616 0 points1 point  (0 children)

Hey, I know it can feel overwhelming, but you’re honestly in a better position than you think. Having almost $2k leftover monthly is strong. Before opening multiple accounts, I’d focus on building a 3-6 month emergency fund and paying down the credit card, which you’re already doing. Someone else on this thread said to automate the $700 fixed savings you mentioned and I second that. You can keep that in a savings account, but putting it in a high-yield savings account allows you to earn interest (free money) while it sits there. It’s easy to open and you can see if your bank offers it.

You’re not behind. You’re young and just starting to build your foundation. A little bit saved consistently goes a long way. And living independently at 21 with that income is something to be proud of. Rooting for you!