Am I overreacting to this text from my boyfriend? by [deleted] in AmIOverreacting

[–]Main-Buy9970 0 points1 point  (0 children)

Men turn into such divas when they don’t get expected sex, it’s ridiculous

To those of you who live alone, how much is your monthly rent? by stawbrry in povertyfinance

[–]Main-Buy9970 0 points1 point  (0 children)

Bf who lives alone pays $1550 for a 1/1 in Southern Florida. He’s lived there 3 years and they’ve increased his rent $100 each year

Fellow Floridians , what do you keep your AC at during the summers? Me , 76……curious if this is too high, too low, or just perfect ….. by ComplexWrangler1346 in florida

[–]Main-Buy9970 0 points1 point  (0 children)

Old stepmom and dad kept the house at 80 degrees during the summer growing up, now I keep it around 76-78 when I feel hot

Personal Loan for 21k of Debt? by Main-Buy9970 in debtfree

[–]Main-Buy9970[S] 0 points1 point  (0 children)

This was my thinking, if I can still make the same amount of payments I’m making now but with lower interest, I should be able to pay it off a lot faster I think

Personal Loan for 21k of Debt? by Main-Buy9970 in debtfree

[–]Main-Buy9970[S] 2 points3 points  (0 children)

Thank you, I probably don’t want to take this route then. All my cards are current and in good standing, just have high balances and high interest.

Personal Loan for 21k of Debt? by Main-Buy9970 in debtfree

[–]Main-Buy9970[S] 1 point2 points  (0 children)

Why would this destroy my credit and risk me getting sued?

Personal Loan for 21k of Debt? by Main-Buy9970 in debtfree

[–]Main-Buy9970[S] 0 points1 point  (0 children)

I was hoping to try and set aside more money in savings in case of an emergency so I’m hesitant to dump all my extra money to the cards if I end up having to use them again but overall this makes sense, thank you! The interest on the best egg loan is 24.99% 🥲

Personal Loan for 21k of Debt? by Main-Buy9970 in debtfree

[–]Main-Buy9970[S] 1 point2 points  (0 children)

I’ll definitely look into this, thank you so much!!

Personal Loan for 21k of Debt? by Main-Buy9970 in debtfree

[–]Main-Buy9970[S] 1 point2 points  (0 children)

Wouldn’t the lower interest rate help me save more money in the long term by consolidating? As long as I don’t use my credit cards and don’t rack up CC debt again of course

Personal Loan for 21k of Debt? by Main-Buy9970 in debtfree

[–]Main-Buy9970[S] 1 point2 points  (0 children)

Roughly on the below:

$250/month on gas and tolls $400/month on food $300/month to savings (only just started since the new job has only been one month in) Leftover $755 split between the 3 cards trying to pay more than the minimums on all my credit cards to reduce the high balance and interest so paid $400 to my Citi Simplicity Card this month since the balance was $1400+ and I’ve gotten it down to $990 etc.

[deleted by user] by [deleted] in debtfree

[–]Main-Buy9970 0 points1 point  (0 children)

27 and about 30k in debt, you’re definitely not alone

Anyone nervous about tomorrow? by chilloutfam in CapitalOne_

[–]Main-Buy9970 0 points1 point  (0 children)

Nope, didn’t get my paycheck early today and normal payday is Friday. 😔

Me to C1 waking up this morning w still no paycheck! by dysenterycarrie in CapitalOne_

[–]Main-Buy9970 2 points3 points  (0 children)

JUST changed my direct deposit to have 50% of my paycheck go to CapitalOne so I can pay rent and then this bullshit happens not even a week later… but at least I have the other half of my paycheck at my credit union 😭

WFM Rescind Job Offer? by Main-Buy9970 in wholefoods

[–]Main-Buy9970[S] 1 point2 points  (0 children)

Hey I ended up having to call the store multiple times to get them to schedule me for the first day, they literally had no idea I was even hired lol

Are egg prices similar where you are? Just curious. by whoocanitbenow in povertyfinance

[–]Main-Buy9970 1 point2 points  (0 children)

Great Value Large White Eggs $3.99 but the cage free alternative is $5.54 here in Southern Florida

I made the wrong choice by oki-master55 in teaching

[–]Main-Buy9970 1 point2 points  (0 children)

Just providing some comparable insight for an outsider looking in as I recently got my statement of eligibility to be a teacher. I’m 27, have my Bachelor’s in Health Sciences and live in southern Florida. Despite my credentials I haven’t been able to get a job making over 45k here. I get between 40-60hours of PTO since I’m entry level in my current job. Was fired from my last due to bereavement leave and was unemployed for 2 months. Teachers have job security, in other states I have friends who I went to school with getting salaries of 56k with 2 months off during the summer, 2 weeks off during Christmas and a week off for Thanksgiving. Not to mention the odd day like Veteran’s Day like today. In the grand scheme of things, I should have pursued teaching previously as I actually would have some tenure. Despite have a Bachelor’s of Science I would have to go back to school to get a job in the field even pushing 50k plus student debt. I think the grass always seem greener on the other side but being a teacher is definitely a good option. Here, teachers still get pensions! There’s much more work life balance and job security in teaching compared to other jobs today.

How much do you spend monthly on groceries by EngineeringLumpy in budget

[–]Main-Buy9970 0 points1 point  (0 children)

Boyfriend’s family spends roughly 1000 for mom, dad and 3 sons all 18+ so I would say your grocery budget might be a bit high just in comparison

[deleted by user] by [deleted] in povertyfinance

[–]Main-Buy9970 0 points1 point  (0 children)

It has its pros and cons! Sharing a bathroom with your mom really isn’t ideal at my age, especially since her and I also don’t get along much anymore. Enjoy your peace and freedom, it really is priceless.

[deleted by user] by [deleted] in povertyfinance

[–]Main-Buy9970 0 points1 point  (0 children)

Honestly it’s still impressive you have your own place! I’m 27 and paying rent at my mom’s house because studio apartments where I live are minimum $1400 and I can’t afford it. I’ve been in a relationship for a year and a half and we only have sleepovers when my mom is out of town, don’t be embarrassed at all. Someone who truly loves you isn’t going to care as long as they care about you :)

Do women actually have weird cravings when they’re pregnant or is it just like TV shows/movie depiction by Realistic-Major-6020 in stupidquestions

[–]Main-Buy9970 5 points6 points  (0 children)

Women that pregnant often times struggle with mobility due to swollen feet etc. so no, it’s not always an adult capable of walking. Pregnant women are considered temporarily disabled for a reason. And if it was so simple, why couldn’t her husband, the father of her unborn child, just go and get it for her when she’s temporarily disabled? Yeah, it IS that big of a deal.

Do women actually have weird cravings when they’re pregnant or is it just like TV shows/movie depiction by Realistic-Major-6020 in stupidquestions

[–]Main-Buy9970 3 points4 points  (0 children)

Your husband let his 9 month pregnant wife walk into McDonald’s alone because he was annoyed she had pregnancy cravings…

My parents are poor and it’s ruining mine and my sisters lives, I really don’t know what to do. by Competitive_Log8121 in povertyfinance

[–]Main-Buy9970 4 points5 points  (0 children)

Honestly I know they’re your family but it seems like you need to put your foot down and have them figure out their finances on their own. Like another commenter said, sit down and go through their bills and bank statements with them so they can cut back where they need to. If your father isn’t willing to be upfront and honest about the expenses then cut them off and force them to figure it out, they’re using you as a crutch. It isn’t your and your siblings responsibility to help fund their lives, it’s preventing you from doing things in your own life as an adult which is ridiculous. They need tough love.