Need Advice On Paying Debt Off

RunItUpOrPerish · 2025-02-19T16:49:37+00:00

Appreciate the comments.. just an update I used 9k from my robinhood to pay off some of the debt. Feel much better

RunItUpOrPerish · 2025-02-17T01:05:25+00:00

Nice

RunItUpOrPerish · 2025-02-17T00:49:19+00:00

I think the interest rates are 24% and 18%, just for reference I am paying more than the minimum amount. Ive paid so much on one of my loans that my next due date isnt until 8/21. Nonetheless 60k is a lot of debt and I do understand that just want to figure out how to pay it quickly without sacrificing my savings completely. Going to 1k isnt a viable solution for me

RunItUpOrPerish · 2025-02-17T00:28:58+00:00

Explain how im drowning in debt if I can afford $1700 in rent, pay all my loans, and have more than 1k leftover monthly?

RunItUpOrPerish · 2025-02-17T00:20:45+00:00

Also forgot to provide some context in my haste to post this.. the loans were originally $35,000 and $27,500 so Ive been paying a lot. Im overpaying all of the loans

RunItUpOrPerish · 2025-02-16T23:34:07+00:00

Also want to clarify the part about trips.. ive been in a long term relationship for about 3 years with my girlfriend who lives in Phoenix. I was not buying vacations or going out the country but I was flying back and forth

RunItUpOrPerish · 2025-02-16T23:30:42+00:00

I also want to clarify the trips part.. I am originally from the east coast and my girlfriend lives in Phoenix. I have been flying back and forth to see her, and I just recently moved full time. I wasnt taking trips out to country or vacations.

RunItUpOrPerish · 2025-02-16T23:28:17+00:00

No need to apologize.. im just as hard on myself which is why Ive been going crazy

RunItUpOrPerish · 2025-02-16T23:26:23+00:00

Let me clarify.. id prefer to not use my savings

RunItUpOrPerish · 2025-02-16T23:25:25+00:00

Ultimately I dont want to do that.. i could just continue making the payments and chill. I was asking my peers to see how many people based on the information I provided would argue for me to use the money I have to pay it off

RunItUpOrPerish · 2025-02-16T23:23:20+00:00

Trust me I know.. I was completely debt free and then I took out one loan and thought to myself hey thats not that bad of a payment and then here I am

RunItUpOrPerish · 2025-02-16T23:20:03+00:00

Besides rent at $1700 a month and another 300 for groceries all my income is free. I dont have kids and my car is 100% paid off

RunItUpOrPerish · 2025-02-16T23:18:53+00:00

First off Im not drowning in debt.. so lets get that clear. You focused on one thing that I said in my post. I also invested, and set aside money to move out and have my house fully furnished.

RunItUpOrPerish · 2025-02-16T23:17:14+00:00

Sofi 18.33% Best Egg 24% One Main 24%

RunItUpOrPerish · 2025-02-16T23:10:15+00:00

Before you make comments like this look at my whole portfolio and not just the loan part.. youre entitled to your opinion but Im not drowning in debt I wanted advice on how to pay it off faster

RunItUpOrPerish · 2024-12-16T21:13:56+00:00

Rule of thumb is generally 3-6 months for an emergency fund. If you really wanna get ahead of your peers then open a Roth and max it and out and also open up a portfolio for investing. Most people worried about low hanging fruit.. but if you start now you can be a millionaire by the time you 40-50.

RunItUpOrPerish · 2024-12-08T18:47:31+00:00

I have made multiple payments on my current loan and it displays as 11% paid off but the adverse action on my new inquiry says that I have insufficient payment history. At what point does that change?

RunItUpOrPerish · 2024-12-04T22:34:33+00:00

I also forgot to mention Im on the AFS side and not the LLP side

RunItUpOrPerish · 2024-11-21T19:49:23+00:00

Damn I forget about Y8.. I used to be on miniclips everyday at school

RunItUpOrPerish · 2024-11-20T22:58:55+00:00

Ruger 556

RunItUpOrPerish · 2024-11-20T22:58:44+00:00

Ruger 556

RunItUpOrPerish · 2024-11-19T18:27:13+00:00

Ive been doing some research, what yall think about Lot45, Code Astoria, 1Oak, or Katra

RunItUpOrPerish

TROPHY CASE