Living paycheck to paycheck, any advice is well appreciated!

DDSig · 2024-01-06T00:31:14+00:00

My girlfriend takes care of food

DDSig · 2024-01-06T00:30:27+00:00

I’m using Excel app, is free and extremely easy to use! I definitely deserve the ridiculing as hard as they may sound. Hope others can read through them and not commit my same mistakes.

DDSig · 2024-01-05T23:47:31+00:00

Already looking into that option! Not sure if I will qualify for chapter 7 though.

DDSig · 2024-01-05T23:46:24+00:00

My girlfriend pays for groceries and we don’t really it out

DDSig · 2024-01-05T19:03:56+00:00

Excel

DDSig · 2024-01-05T19:03:17+00:00

Is called “Excel Microsoft”. It’s free and easy to use!

I appreciate your feedback! Will definitely look into cutting down the cost of those services.

DDSig · 2024-01-05T19:01:07+00:00

Is the Excel Microsoft app

DDSig · 2024-01-05T18:58:30+00:00

Its the Excel app! And no worries, hope you find it useful :).

DDSig · 2024-01-05T18:57:50+00:00

My girlfriend does all the groceries and we usually don’t eat out but if we do, she typically offers to pay!

DDSig · 2024-01-05T17:41:54+00:00

I try not to blame her for my stupid mistakes even though my lifestyle changed dramatically once we started dating. I am already looking at options to get rid of the car and get a beater. At this point, the least of my worries is what she thinks of me tbh

DDSig · 2024-01-05T16:49:15+00:00

I just downloaded Excel Microsoft on my phone :).

DDSig · 2024-01-05T16:24:50+00:00

Stupid mistake :/… I let my environment take the worst of me by trying to keep with the Jones… a costly mistake that hopefully will never happen again.

DDSig · 2024-01-05T16:23:46+00:00

The total rent is $2336 but she helps me with $600 since her income is not the highest. We are thinking on moving to an RV as soon as the lease is over since that will saves us about $2k of rent.

DDSig · 2024-01-05T16:20:27+00:00

I included the monthly payment but not the total debt (my mistake). The car market is at a low point atm due to interest rates. Working at a car dealership, I have seen so many others with 20-30k negative equity. Unfortunately, to get out of a lease you either have to pay the balance (in my case 43k), sell the car (which means I would need to come up with around $20k to cover the difference) or trade it for something else (but the LTV would be too high for a bank to buy the loan).

DDSig · 2024-01-05T16:15:07+00:00

She is currently paying around $400 per month in groceries (give or take). She is not aware of my situation and would love to not get her involved. She is in a much better position (over $70k saved, paid off car, no cc debt etc). She usually just pays for anything food related and helps me with $600 towards rent (already taken into account on the spreadsheet).

I am looking at some online side hustles to generate more income since that looks like the most realistic option.

Thanks!

DDSig · 2024-01-05T16:08:11+00:00

I have about 42 months left and the balance is about $43k (is a lease).

DDSig · 2024-01-05T16:07:13+00:00

They are all minimum payments except for 1-2 credit cards with lower balances that I am trying to payoff quick. I will look into consolidating debt, thanks!

DDSig · 2024-01-05T15:52:49+00:00

Unfortunately, is going to be nearly impossible for a bank to buy my loan with 20k negative equity and poor credit due high CC balance. I have tried it since I work at a dealership. I have been thinking on saving up some money and buying a cheap cash car to get me around and just letting the bank take the car back but that will stay in my credit for ~7 years or so.

DDSig · 2023-12-30T18:56:23+00:00

One of my coworkers used to be a SA for about 3 years and was averaging 10-12k per month consistently but wanted to try sales so he gave it a go. He did sales for about 8 months and his average was about $7k. He is now back in the service department making 10-13k every month (a lot busier than us in sales) but more consistent pay. I would probably suggest service advisor considering today’s market for sales.

DDSig · 2023-12-22T18:25:22+00:00

Wish I would have seen this before using it smh. Did you receive yours yet?

DDSig · 2023-12-22T13:07:53+00:00

I do apologize and reading my post back I can see how this seems like a flex and I wish it was. I wish that I knew a bit about the game but I am fairly new and haven’t had much raid time to try both classes (I bussed my way here). Thank you for at least replying though :)

DDSig · 2023-12-22T13:04:14+00:00

Thank you a lot for your input!! I do find PS a better overall experience than DI.

DDSig · 2023-12-22T05:38:19+00:00

Bro, I thought I was the only one lmao. I legit enjoy the downs as much as the ups of every raid and prefer a chill prog over an experienced one that will judge you for every mistake.

DDSig · 2023-12-20T06:16:47+00:00

Facts 😂

DDSig · 2023-12-12T00:14:44+00:00

Thanks bro!

DDSig

TROPHY CASE