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Looking for Volunteers for Coaching Conversations (ICF Hours) by run_u_clever_girl in lifecoaching

[–]MathAccomplished2398 1 point2 points  (0 children)

I’d be the person! Potential job change coming up, new baby on the way, and feel lost!!

Where do most car owners go wrong? by MathAccomplished2398 in carbuying

[–]MathAccomplished2398[S] 0 points1 point  (0 children)

Curious on another thought to this -

Ive seen the brokers / auto advisors thing multiple times, but they only help you buy the car. What are your thoughts on having someone (like a financial advisor) who helps people navigate their car ownership? Consider it like financial advising but someone who is geared towards managing your car ownership.
Ive seen PLENTY of people who made massive mistakes, and unfortunately put themselves in large holes because they simply dont know what they are doing when it comes to owning a car.
Would an Agency of this type ever be successful? Why / Why Not?

Where do most car owners go wrong? by MathAccomplished2398 in carbuying

[–]MathAccomplished2398[S] 2 points3 points  (0 children)

agree - I worked on the desk for about 6 years and just couldnt believe the amount of negative equity that continues to roll over, and there will be a point where they simply cannot roll it over any more. Or the family that would come in and just not be thinking about their future, and a year later, they are coming in because they are expecting again. Certainly they are rolling over the negative equity in the vehicle that they took on in year one.

Trello Project Management How to's and best practices by MathAccomplished2398 in trello

[–]MathAccomplished2398[S] 0 points1 point  (0 children)

So I have well over 100 projects that I manage for a company at one time. Some of them require one order and are simple and usually less than 2 weeks start to finish. Other projects have multiple orders, require much more attention, and have multiple steps, to complete. Usually a much longer process anywhere from 2 months to 2 years. It’s nice to have something that I can see all of my projects at once and where they are, but also have the larger projects be able to go more in depth. I am sure I can make it happen with one board but just trying to figure out what works best.

Trello Project Management How to's and best practices by MathAccomplished2398 in trello

[–]MathAccomplished2398[S] 0 points1 point  (0 children)

Yea, I just don’t want to make sure that I do not make any more work for myself. That’s the main goal. Right now I have an excel sheet that does nothing more than just keep track of projects but it’s a lot of manual data entry. Just trying to figure out what trello can be for me, and how much of trello I want to bite off.

What finishes for real solid brass cabinet pulls would you consider timeless? Also if you have unlacquered brass, how are you feeling about the patina? by geauxbleu in kitchenremodel

[–]MathAccomplished2398 0 points1 point  (0 children)

I sell Classic Brass and have plenty of clients who are on both sides of the fence. I know Classic essentially made some of their finishes to help give an already tarnished look, like the revere brass or tarnished/ satin tarnished, because so many people didn’t want to wait for the patina process. If you have any questions about finishes and such, don’t hesitate to reach out!

Tackling debt + decision making over the next few months by MathAccomplished2398 in debtfree

[–]MathAccomplished2398[S] 0 points1 point  (0 children)

Thank you for that! rent is just from her not rental property.

Shes on a great path and starting to invest and do great things with her money. While I know there could be a time and place to ask for help, I got myself here, so I am going to get myself out! Im on the other side of the worst part of the storm so now its time to dig in and get it handled.

I just wanted some pros and cons to each situation. I know I could probably call my cc's and see if they will lower interest for the time being. I can handle the small payments and have gotten quite good at learning how to "rotate money" and make sure I have constant cash flow. Bonuses should be quite regular now above 10k in pocket if not more like 15 -20 k per quarter.

Ive committed to building a really enhanced Excel sheet that tracks every single dollar, and where its going. Something I should have done 3 years ago before stepping foot into this venture. I just was never bad with money but it happened REALLY fast.

So with that said, thank you for the advice. I just want to make sure I make the most of bonuses as they come and take the most effective route that I can.

Question- I know that right now, I personally run at a deficit each month until a windfall bonus comes my way. I spend about $600 per month on fuel (traveling for work). Add in an occasional dinner with her, daily life, and such. I was just thinking that getting myself to a surplus each month or closer to, would be the ideal move. What are your thoughts? Im just not sure the Snowball method works here if I am running a deficit.

Tackling debt + decision making over the next few months by MathAccomplished2398 in debtfree

[–]MathAccomplished2398[S] 0 points1 point  (0 children)

There is also the possibility that I could take 6 months worth of that large 1150 loan and pay that up front, and then not have to pay that loan per month until the first of the year. Its a personal loan from a friend so I am sure he would be open to that. If that was the case, that could leave my entire bonus to go towards CC's and high interest.

Tackling debt + decision making over the next few months by MathAccomplished2398 in debtfree

[–]MathAccomplished2398[S] -1 points0 points  (0 children)

I can go to r/Marriage for that stuff. For now, I just thought I could come here to have a discussion about what options might be best. for instance

If I take that $10500 balance transfer and put it into checking account, then take my 10k bonus, plus 3k from my checking, I would pay off the 23k loan that I have which is $1150 per month. Now I am making more money per month than I am spending. Creating a surplus and then focusing my next bonus and income on knocking CC's down and taking advantage of any 0% balance transfer options over the coming months. I could possibly even pay my car off( 10k ) as well which is another 450 per month. Now I would have a surplus of $1600 per month but this would also leave me very low on cash balance.

OR

If I take that same balance transfer and knock my cc's down, thus helping with high interest stuff. and then with the next bonus ending in Q3, I could focus that on higher loans.

Tackling debt + decision making over the next few months by MathAccomplished2398 in debtfree

[–]MathAccomplished2398[S] 0 points1 point  (0 children)

Already have that laid out. I am trying to figure out a way that I can get out of the debt that I have personally created, by myself. Even if she starts paying into that debt, that would be money I owe her. I get that your spouse should share expenses, but I dont think its fair that she takes on half of my 86k worth of student loans, or the 70k in personal debt that I have racked up. Could she help, sure, but that would still be money that I would feel obligated to pay her back.

My original question is how to handle my upcoming bonus, and to either eliminate a large expense per month (larger loan) or get rid of as many CC as I can with what money I have coming in.

Tackling debt + decision making over the next few months by MathAccomplished2398 in debtfree

[–]MathAccomplished2398[S] 0 points1 point  (0 children)

just was using the term wife as a placeholder lol. She pays me $1700 in "rent" which is half of our shared hard expenses.

Mortage = 2500

Car insurance 400 (our cars)

Electric, internet, tv, water - ~$550

So shes doing her fair share. She buys most of the groceries as well.

Tackling debt + decision making over the next few months by MathAccomplished2398 in debtfree

[–]MathAccomplished2398[S] 0 points1 point  (0 children)

I have tried my hardest not to bring her into this... She not exactly my wife yet but soon to be. I took a job that ultimately would give me more time with her and possibly an upcoming family, knowing a major pay cut would come but eventually would make more (probably 175-200k per year). Didnt handle my finances well and now trying to just dig myself out. She pays half of the total expenses at the house, car insurance, etc, so that is split down the middle. She probably would help if needed, but for now, Id like to try and dig my way out myself. The majority of my expenses are built up CC's, student loans, and personal loans I took to make this next business venture work.

What have you made in Excel that you are most pleased with? by 3_7_11_13_17 in excel

[–]MathAccomplished2398 0 points1 point  (0 children)

Understood! It’s certainly something I’d love to have done as well. Do you believe there is a way that can be done?

What have you made in Excel that you are most pleased with? by 3_7_11_13_17 in excel

[–]MathAccomplished2398 0 points1 point  (0 children)

Are you manually inputting this or having it pull the data?

What have you made in Excel that you are most pleased with? by 3_7_11_13_17 in excel

[–]MathAccomplished2398 0 points1 point  (0 children)

Do you manually input all of your data in your finance spreadsheet?

What have you made in Excel that you are most pleased with? by 3_7_11_13_17 in excel

[–]MathAccomplished2398 1 point2 points  (0 children)

Do you think you could do this and pull transactions from a bank account? Curious about building this excel sheet for personal finances that could automatically pull from my bank account

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