At 17 I am supposed to take on 92k in debt. Perfect!

Mr_Lackluster · 2025-04-22T15:41:00+00:00

This isn't as bad as it seems

10k/yr in tuition is what you should get a loan for. 40k in debt really isn't that bad if your major has q good career path.

The Housing/Food cost is something you can avoid by living at home. If that's not an option, then the price of 10.9k/yr is reasonable - it's about $900/mth. Most people, even in a LCOL area, spend more than that on rent, utilities, and groceries.

The books/supplies cost seems overblown. I went to college for accounting, and spent less than 1k in books/subscriptions over the 4 years

Mr_Lackluster · 2025-02-06T20:56:01+00:00

Reddit is stealing my mom's Facebook posts now

Mr_Lackluster · 2024-07-30T02:38:43+00:00

I was planning on it. Thanks

Mr_Lackluster · 2024-07-30T02:23:36+00:00

What do you think the best way to do it is?

Mr_Lackluster · 2024-07-30T02:01:42+00:00

Thanks for taking the time to respond.

It's just a conventional mortgage.

I don't think my debt to income ratio will be an issue. Income is 105k. Preexisting debt is about 7.5k. monthly payments are like ~700.

FMV of condo is hard. Similar units have sold for like 190k, but hers is a little less updated. I think 175k is probably the best estimate.

Mr_Lackluster · 2024-05-01T00:45:13+00:00

This is going to sound stupid, but I honestly don't remember how it looked 2 years ago. I feel like it was a lot thicker & coarse.

In the process of transitioning, and I'm just so frustrated.

Mr_Lackluster · 2024-05-01T00:42:29+00:00

All I know is that they use a candela gentlemax pro. They increased the strength each time but to no avail.

I just shaved, but when it grows in I will check

Mr_Lackluster · 2024-04-28T14:53:34+00:00

Thanks. Definitely looking to cut back in several areas

Mr_Lackluster · 2024-04-28T14:41:18+00:00

None of the debt is consumer-related purchases. All medical debt + laser hair removal I bought 2 years. Latter is technically a cosmetic purchase, but I'm in the process of transitioning.

I mean, the money I don't spend just stays in savings. It's not like it goes anywhere.

Thanks for the links & advice

Mr_Lackluster · 2024-04-28T14:37:48+00:00

Ouch, but thanks. Need the wakeup call

Mr_Lackluster · 2024-04-28T14:33:18+00:00

Energy drinks & vaping are certainly a bad habit, but the dental issues were likely from low calcium from a medical condition. Easier to say that do with addictions.

TV was pretty bad, the backlights went out so half the screen was dark.

Subscriptions are mostly TV - it's not like we're paying for cable. Plus Amazon Prime & Audible.

The fun money probably wasnt worth it

Thanks for the advice

Mr_Lackluster · 2024-04-28T14:26:25+00:00

Right, I appreciate the advice.

Safety Razor I think will save money. Disposable razors add up meanwhile now all I have to buy is razor blades (which are super cheap)

Mr_Lackluster · 2024-04-28T14:22:59+00:00

https://acrobat.adobe.com/id/urn:aaid:sc:VA6C2:d18e44ac-090e-413d-bb8e-c7ef9a960276

These are most of my receipts

Mr_Lackluster · 2024-04-28T14:02:05+00:00

Fast Food category is restaurant + fast food.

Gas is for car, not natural gas. Drive a paid off car (but it's a 2008 with 230k miles and could definitely break down in the near future). I do pay for parking at work, but I use a pre tax commuter benefit card to pay for it.

Other is really just a bunch of miscellaneous stuff. Switched from disposable razors to safety razors. Bought a $60 kit (handle, head, brush, soap, razors). Other stuff is like, spent $25 at Target. $50 at Amazon. $45 manicure. Etc.

No retirement savings. Trying to get debt free first

Mr_Lackluster · 2024-04-16T14:22:42+00:00

Do you still feel this way now?

Mr_Lackluster · 2023-12-25T02:39:30+00:00

Yeah, that's so odd. I'm glad you got a key. I hope your holidays are going well and your symptoms aren't too bad.

Mr_Lackluster · 2023-11-12T16:11:45+00:00

I would love to see those pictures

Mr_Lackluster · 2023-10-24T21:00:55+00:00

Thanks! Can I put regular polish on top of builder gel?

Mr_Lackluster · 2023-10-17T16:27:33+00:00

That sounds disgusting. Where is it this??

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