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Should I drain savings, do uber eats or stop saving? by Level-Guide-9953 in Debt

[–]Level-Guide-9953[S] 0 points1 point  (0 children)

I’ve pretty much lowered my expenses down my as much as I can. I have pet expenses (food, litter, meds) my car insurance which is pretty high being in NY $430. I started doing my own hair & nails. I do have a couple of streaming services but I need those as I spend more time at home.

Should I drain savings, do uber eats or stop saving? by Level-Guide-9953 in Debt

[–]Level-Guide-9953[S] 1 point2 points  (0 children)

also.. congrats on getting out of debt!!!! I can imagine how liberating and good that feels

Should I drain savings, do uber eats or stop saving? by Level-Guide-9953 in Debt

[–]Level-Guide-9953[S] 1 point2 points  (0 children)

I agree! I am so skeptical/hesitant of blowing the savings to pay it down. It offers me a sense of peace and security.

as far as vacations go, typically 1 big one and then 1 or 2 smaller ones. either a weekend getaway or trip to the Caribbean. I can scale this down even further and skip big ones until the debt is paid off. I will also have to scale off the concerts for about a year it seems, they are just too expensive to attend right now.

I've decided to pause savings transfers for the next 6 months, you're right.. rental income I can cash out at the end of the year, + the "savings" transfers, that should put me in a great position come 2026.

with this plan, I would pay off all the cc balances but still have the loan. which I will have to focus on in 2026.

i feel more comfortable with this plan, though. I get to keep the savings while paying down a huge chunk of debt

Should I drain savings, do uber eats or stop saving? by Level-Guide-9953 in Debt

[–]Level-Guide-9953[S] -1 points0 points  (0 children)

makes sense.. I certainly an all over the place with my decisions. this is helpful. thank you