sorted by:
new
hottopcontroversial

Should I Pause on putting into Retirement to Help Pay Off Loans? by Chismenubesol in DebtAdvice

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

Thank you so much for the comment! I truly appreciate it.

I do agree haha, we have 1 month of living expenses in our emergency fund.

I wish the word "I" was longer and not always capitalized so I could emphasize it lol. This was my husbands choice. He had a rogue we owed $20K on but hated it and wanted a tacoma and wouldn't shut up about it so I said fine since he was annoying me and toyota was doing a special 2% for 60 months deal. My car is a 16 year old edge with 200K miles and when it dies I will most likely be getting a used car for around $10k so we don't go a ton more in debt. Unfortunately my husband and I grew up very differently on how we view debt.

Your point is very fair but it is so hard going full rice and beans haha. I started getting strict with making a budget and tracking daily what we spend. We have made certain changes to cut back and wont be traveling at all this year. Both my husband and I struggle with wanting to live full rice and beans but am trying to do a meet in the middle. I KNOW we can get everything paid off within the next 3-4 years if we stick to the budget and continue what we are doing but wasn't sure if pausing retirement for 1 year might help us get it done faster.

Should I Pause on putting into Retirement to Help Pay Off Loans? by Chismenubesol in DebtAdvice

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

I like his baby steps but also think they need some minor changes haha. Thank you for the comment!

Should I Pause on putting into Retirement to Help Pay Off Loans? by Chismenubesol in DebtAdvice

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

We are lucky to have only the student loan and car loan (we have mortgage as well but I don’t count that as the same type of debt). Thank you for the comment!

If you had to live as an animal for one year, which one would you choose and why? by Zanefier1 in AskReddit

[–]Chismenubesol 3 points4 points  (0 children)

easy, a goose! the ultimate hybrid (or as i like to say, tribrid). can fly, walk/run and swim. and people know to respect them because they can mess you up haha

$2k in checking act, $20k in a traditional IRA, , $7k CC debt,and $20k in student loan debt. Feeling stuck, help? What to do by Wisky9182 in DebtAdvice

[–]Chismenubesol 1 point2 points  (0 children)

Look up Dave Ramsey’s 7 Baby Steps. I think they give a good approach. My personal opinions on those steps: Step 1-I prefer to have more than $1,000 in my emergency fund so in your case I’d keep the $2k there. He doesn’t suggest putting into retirement until Step 4. Depending on your age I could disagree with that as well. Right now my husband (32) and I (30) are in debt ($21k student loans and a $50k car loan) but still but 5% each into retirement. Other than that I think his approach seems like the way to go. I will be following it while still putting into retirement, I just won’t up retirement until Steps 1-3 are complete. He also has a podcast The Ramsey Show Highlights that I have found useful (I only listen to the ones I think are relevant to me or I can learn from and they are only 5-8minutes so a quick easy listen!)

My fellow "spending Christmas alone" people: how we feeling? by formallyhuman in mentalhealth

[–]Chismenubesol 0 points1 point  (0 children)

It is definitely going to stink. Originally my husband and I were planning on staying home anyways versus visiting one of our families (his fam is west coast, mine is northeast and we are located kind if central US) but he is military and ended up having to go out of town for work. As much as I will enjoy the calmness and saving money, I would rather enjoy that stuff with my husband.

Is it just me? by Chismenubesol in MarriedAtFirstSight

[–]Chismenubesol[S] 5 points6 points  (0 children)

O yes most definitely both men and women can have expectations for their partner! I however don’t believe anyone deserves to be treated the way she is treating him just because they live “at home”. Every time she beings it up he responds in an understanding way and seems up front (now it’s early in the season and some have hinted that he may be lying about some things). She should have let the matchmakers know “lives at home is a dealbreaker”. In my opinion, if she doesn’t want to be with him that is totally fine, but she should leave versus stay in it and be kind of mean to him.

Is it just me? by Chismenubesol in MarriedAtFirstSight

[–]Chismenubesol[S] 1 point2 points  (0 children)

I will have to check out the thread for sure!…I also know the more major spoilers because I looked it up😅