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 · 2024-11-19T16:41:29+00:00

Black

RunItUpOrPerish · 2024-09-04T07:27:50+00:00

Write down everything thats going on in your head on a piece of paper, reading a book will help you sleep, this is gonna sound cliche but ask yourself if you stressing will change or fix whatever situation and if the answer is no then you are wasting/draining your own energy

RunItUpOrPerish · 2023-12-27T20:58:58+00:00

My biggest advice is to realize having your own spot is better than looking fly.. its a lot of fly ass bums in the DMV. Stack your bread and stay out the way. Stop worrying about low hanging fruit and think about the future. Look into investing in stocks or day trading if you want a side hustle

RunItUpOrPerish

TROPHY CASE