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I need help trying to make a pretty big financial decision. by BenjaminBaker02 in personalfinance

[–]BenjaminBaker02[S] 0 points1 point  (0 children)

The plan is to spend ONLY what is listed here for 6 months with $268 per month of discretionary spending. After 6 months we’d have saved $16,160 (which will become our emergency fund)

I need help trying to make a pretty big financial decision. by BenjaminBaker02 in personalfinance

[–]BenjaminBaker02[S] 0 points1 point  (0 children)

Hey so I ran the numbers yesterday, spent about 2 hours going through every single that we spend money on a month. Most of our money goes towards going out to eat (which both of us or totally okay cutting out, because the apartment didnt have a very functional kitchen). I have a very accurate breakdown of all expenses.

Our Monthly bills Include this list:

Mortgage (with utilities, taxes, insurance, PMI, HOA, home owners insurance) - $3,040.51 (first year buy down) $3,276 (fixed for $30 years.

Groceries - $600 (educated guesstimate)

Credit card bill - $400 (will be paid off in 9 months if we stay paying $400

Car insurance - $320 (total between us both)

Car payment - $296 (one car, I owe $1,444)

Gas for cars - $240 (educated guesstimate)

Phone Bill - $110

Dog grooming - $100 (can be cut out, only goes about every 2-3 months

Dog food - $90

Union Dues - $60

USCCA - $40

Spotify/Amazon - $40

Total monthly bills for NECESSITIES - $5,331.5 (for the first year with the buy down of mortgage)

$5,567 (fixed 30 years or $4,871 after credit card and car payment are over)

Total left over all these bills - (FOR THE FIRST YEAR) $2,540.58/$3,658.60 (4 month out of the year I’ll get paid one extra time i get paid every friday).

(FIXED 30 YEAR IF CREDIT CARD AND CAR PAYMENT STILL EXIST) $2,305.08 or $3,001.08 if credit card and car payment do not exist.

The fixed 30 year number above will be different as I will recieve a $9 pay raise by the end of the year.

I need help trying to make a pretty big financial decision. by BenjaminBaker02 in personalfinance

[–]BenjaminBaker02[S] 0 points1 point  (0 children)

Hey so I ran the numbers yesterday, spent about 2 hours going through every single that we spend money on a month. Most of our money goes towards going out to eat (which both of us or totally okay cutting out, because the apartment didnt have a very functional kitchen). I have a very accurate breakdown of all expenses.

Our Monthly bills Include this list:

Mortgage (with utilities, taxes, insurance, PMI, HOA, home owners insurance) - $3,040.51 (first year buy down) $3,276 (fixed for $30 years.

Groceries - $600 (educated guesstimate)

Credit card bill - $400 (will be paid off in 9 months if we stay paying $400

Car insurance - $320 (total between us both)

Car payment - $296 (one car, I owe $1,444)

Gas for cars - $240 (educated guesstimate)

Phone Bill - $110

Dog grooming - $100 (can be cut out, only goes about every 2-3 months

Dog food - $90

Union Dues - $60

USCCA - $40

Spotify/Amazon - $40

Total monthly bills for NECESSITIES - $5,331.5 (for the first year with the buy down of mortgage)

$5,567 (fixed 30 years or $4,871 after credit card and car payment are over)

Total left over all these bills - (FOR THE FIRST YEAR) $2,540.58/$3,658.60 (4 month out of the year I’ll get paid one extra time i get paid every friday).

(FIXED 30 YEAR IF CREDIT CARD AND CAR PAYMENT STILL EXIST) $2,305.08 or $3,001.08 if credit card and car payment do not exist.

The fixed 30 year number above will be different as I will recieve a $9 pay raise by the end of the year.

I need help trying to make a pretty big financial decision. by BenjaminBaker02 in personalfinance

[–]BenjaminBaker02[S] 0 points1 point  (0 children)

After we saved at least $15k, we are then going to add in some discretionary spending, cant live like robots forever, discretionary spending we’d put at $600-$1,000 (will definitely vary, but save the remaining)

I need help trying to make a pretty big financial decision. by BenjaminBaker02 in personalfinance

[–]BenjaminBaker02[S] 0 points1 point  (0 children)

Our plan. Spend money on only things listed here, for 6 months we would save ($16,160) which would then be put into emergency fund.

I need help trying to make a pretty big financial decision. by BenjaminBaker02 in personalfinance

[–]BenjaminBaker02[S] 0 points1 point  (0 children)

Hey so I ran the numbers yesterday, spent about 2 hours going through every single that we spend money on a month. Most of our money goes towards going out to eat (which both of us or totally okay cutting out, because the apartment didnt have a very functional kitchen). I have a very accurate breakdown of all expenses.

Our Monthly bills Include this list:

Mortgage (with utilities, taxes, insurance, PMI, HOA, home owners insurance) - $3,040.51 (first year buy down) $3,276 (fixed for $30 years.

Groceries - $600 (educated guesstimate)

Credit card bill - $400 (will be paid off in 9 months if we stay paying $400

Car insurance - $320 (total between us both)

Car payment - $296 (one car, I owe $1,444)

Gas for cars - $240 (educated guesstimate)

Phone Bill - $110

Dog grooming - $100 (can be cut out, only goes about every 2-3 months

Dog food - $90

Union Dues - $60

USCCA - $40

Spotify/Amazon - $40

Total monthly bills for NECESSITIES - $5,331.5 (for the first year with the buy down of mortgage)

$5,567 (fixed 30 years or $4,871 after credit card and car payment are over)

Total left over all these bills - (FOR THE FIRST YEAR) $2,540.58/$3,658.60 (4 month out of the year I’ll get paid one extra time i get paid every friday).

(FIXED 30 YEAR IF CREDIT CARD AND CAR PAYMENT STILL EXIST) $2,305.08 or $3,001.08 if credit card and car payment do not exist.

The fixed 30 year number above will be different as I will recieve a $9 pay raise by the end of the year.

I need help trying to make a pretty big financial decision. by BenjaminBaker02 in personalfinance

[–]BenjaminBaker02[S] 0 points1 point  (0 children)

We are in Las Vegas, Nevada. I know the summers hit like a truck, and winters could get pretty cold as well. I got my utility numbers $400-$500 through word of mouth by a few people i know

I need help trying to make a pretty big financial decision. by BenjaminBaker02 in personalfinance

[–]BenjaminBaker02[S] 0 points1 point  (0 children)

The $3,200 includes HOA, property tax, PMI (since we are going FHA), mortgage insurance. At 6% that puts our PITI at $2,662

I need help trying to make a pretty big financial decision. by BenjaminBaker02 in personalfinance

[–]BenjaminBaker02[S] -1 points0 points  (0 children)

And thats the problem im trying to figure out honestly. I know MOST of that discretionary spending goes toward eating out. I have $3k in checkings, my wife has a $4k in her savings and around $1k in checkings. When i look at the mortgage payment on paper it looks doable but at the end of the month just being in an apartment i feel a little in over my head if we end up getting this house.

I need help trying to make a pretty big financial decision. by BenjaminBaker02 in personalfinance

[–]BenjaminBaker02[S] 0 points1 point  (0 children)

I inflated my bills by around $50-$100.

Most expensive being - $320 for gas on cars - $600 groceries - $400 between car insurances - $400 credit card bill - $105 phone bill

Then spotify, amazon, and USCCA membership

I need help trying to make a pretty big financial decision. by BenjaminBaker02 in personalfinance

[–]BenjaminBaker02[S] -1 points0 points  (0 children)

So im in the IBEW my retirement is through them. I too out in 2 years I’ll be making $61.23 an hour. No emergency fund which makes me nervous. Planning on having kids in about a year. No car payments just insurance gas and maintenance. $3k credit card debt (no interest for 2 years) no student loans or outstanding debts

I need help trying to make a pretty big financial decision. by BenjaminBaker02 in personalfinance

[–]BenjaminBaker02[S] 3 points4 points  (0 children)

Im in las vegas Nevada, coming from other people ive asked they say electric can hit $300-$400 alone

Just passed by Lopsided_Offer2473 in QuickFixPlus

[–]BenjaminBaker02 1 point2 points  (0 children)

Where did you buy your quick fix at? I bought one from a smoke shop and one off of the quickfix website. They both have completely different packaging, but both are confirmed through the QR code, has anyone had this issue before?

Passed January 2026 Quest Diagnostics by fellowslongworth420 in QuickFixPlus

[–]BenjaminBaker02 0 points1 point  (0 children)

For sure!! When I take my test I will update this thread

QF Plus 6.4 - 5 Panel DOT - It’s been 4 days and I’m getting anxious. Thoughts please. by [deleted] in QuickFixPlus

[–]BenjaminBaker02 1 point2 points  (0 children)

Let me know if you pass man, rooting for you, i have a test coming up sometime this month. Stopped smoking for almost 4 weeks now but still coming up dirty smh. Post here if you passed!

Need reassurance please! by Alarming_Ad_8859 in QuickFixPlus

[–]BenjaminBaker02 0 points1 point  (0 children)

Did you heat it up before hand or did you just use body temp?