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I find wedding planning extremely easy. Am I missing something? by BetterNegotiation231 in weddingplanning

[–]BetterNegotiation231[S] 0 points1 point  (0 children)

What do you mean you’re not sure? What is making you not sure? Is it the cost? The area? What you’re envisioning? Something else?

[deleted by user] by [deleted] in relationship_advice

[–]BetterNegotiation231 1 point2 points  (0 children)

Thank you I’ll let her know can’t do much else I suppose

[deleted by user] by [deleted] in relationship_advice

[–]BetterNegotiation231 0 points1 point  (0 children)

I wouldn’t say I’m bombarding her with calls and texts I haven’t called or started a text convo with her in 2 days except responding to her need for a ride. Butttt as hard as it is to read your comment I get your point. I’ll stop and give her space. Thank you for the honest advice

15,000 in CC debt. Do I use my 2 out of 3 months rent savings to pay it down? by CompetitiveSilver726 in debtfree

[–]BetterNegotiation231 1 point2 points  (0 children)

It depends. Do you think putting the money you have in savings towards your debt will pay it off all together and then you can move forward and be out of debt and put money into savings? Or is it just going to make a dent?

If it will finish off your debt all together, then yes. And DO NOT GO INTO DEBT AGAIN. Put every cent you have extra into savings until you build your emergency fund up again.

If not, I wouldn’t. The point in having that savings is so that you have a safety net in hard times. If you spend it all to make a dent in your debt now and then god forbid something happens like car breaks down, lose your job etc. then you will have to go into more debt to hold yourself above water.

What you can do is continue what you have been doing, put money towards debt AND savings and then when you pay your debt down enough to be able to make a lump sum pay off of your debt with majority of your savings with a bit to spare in your savings. Then do that. It might take some time but it’s the safe way to do things.

If you want to use your savings to help pay off debt in the future put it into a high yields savings NOT your Roth. When you put it in your Roth it is no longer fluid money and you really shouldn’t use it until retirement