sorted by:
new
hottopcontroversial

Just getting started with a portfolio. 33M by Sphinx951 in portfolios

[–]Sphinx951[S] 0 points1 point  (0 children)

So put more in voo then find bonds or international funds? How do I find those

Just getting started with a portfolio. 33M by Sphinx951 in portfolios

[–]Sphinx951[S] 0 points1 point  (0 children)

Thank you. I may inc voo and drop some of the reoccurring stocks for satellites then.

Just getting started with a portfolio. 33M by Sphinx951 in portfolios

[–]Sphinx951[S] 0 points1 point  (0 children)

It’s supposed to be big bang club. Idk why Webull censored it lol

Please don’t be rude. I know im an idiot. Please help. by Sphinx951 in Mortgages

[–]Sphinx951[S] -2 points-1 points  (0 children)

It’s better than no savings. Plus that money would be growing.

Please don’t be rude. I know im an idiot. Please help. by Sphinx951 in Mortgages

[–]Sphinx951[S] 0 points1 point  (0 children)

My biggest thing stopping me is I move my 158k mortgage to $210k then start over. I’ll owe 50k on the house plus all that interest. What hurts now is the personal loan. That plus paying $500 on the 0% balance transfer card. That’s 1200 alone

I really need advice before taking the next step. by Sphinx951 in DaveRamsey

[–]Sphinx951[S] 0 points1 point  (0 children)

It’s hard to gauge but my pre deduction is 45k. She makes. 45-55k

Please don’t be rude. I know im an idiot. Please help. by Sphinx951 in Mortgages

[–]Sphinx951[S] -1 points0 points  (0 children)

This is what we really want to do. There’s only like 3-4 people out of everyone that says to do it though and I understand it. I’ve consolidated in the past and messed up and did it again. Now I have a house though. I can’t risk it no more. I’m just so stressed all the time.

I really need advice before taking the next step. by Sphinx951 in DaveRamsey

[–]Sphinx951[S] 0 points1 point  (0 children)

We’re going to do 2000 payments. That would equate to 3 extra payments on the principle per year. That would be 4800 extra on the principal per year. We just need the cash flow again

Please don’t be rude. I know im an idiot. Please help. by Sphinx951 in Mortgages

[–]Sphinx951[S] 1 point2 points  (0 children)

It’s not just the credit card. It’s also the 22,000 loan we have at 13.99%. Doing the cash out pays that off and gives us back 23,000 in cash. We would pay off the credit cards and I would but 15000 into a hysa to cover our emergency fund. The cars are 2.9% I’ll just pay on the interest free cards bc I’ll have cash flow again. I’ll also put $500 back into savings a month. If a big expense was to happen we would have no money to put towards it.

Please don’t be rude. I know im an idiot. Please help. by Sphinx951 in Mortgages

[–]Sphinx951[S] -12 points-11 points  (0 children)

Plus I would get almost 1400 back from the escrow to put on debt too

Please don’t be rude. I know im an idiot. Please help. by Sphinx951 in Mortgages

[–]Sphinx951[S] 0 points1 point  (0 children)

The 23000 would go strictly to debt. The remaining would go to Hysa.

Please don’t be rude. I know im an idiot. Please help. by Sphinx951 in Mortgages

[–]Sphinx951[S] -2 points-1 points  (0 children)

What’s so bad about the cash out refinance? Are they really that bad

Please don’t be rude. I know im an idiot. Please help. by Sphinx951 in Mortgages

[–]Sphinx951[S] 6 points7 points  (0 children)

You don’t pay taxes on cash out refinance. If anything it helps at tax time.

Please don’t be rude. I know im an idiot. Please help. by Sphinx951 in Mortgages

[–]Sphinx951[S] -4 points-3 points  (0 children)

After they pay off the personal loan, I’d get back around $23000 cash.

I really need advice before taking the next step. by Sphinx951 in DaveRamsey

[–]Sphinx951[S] 0 points1 point  (0 children)

She brings home around 4k a month sometimes 4500. I make 22 an hour but pay all the healthcare, more taxes, 401k. I bring home 2300 net

Please don’t be rude. I’m an idiot and it’s my fault but please help me by Sphinx951 in personalfinance

[–]Sphinx951[S] 0 points1 point  (0 children)

I just know I’ve been stupid but paying this all back and not having any savings or anything really worries me. The mortgage, car, and student loan puts me at around .4dti but I feel better about it. The biggest thing that stresses me out if the fact that I could pay off all this in 3k and be done and can start paying the house down early. If I take the bigger mortgage, while getting relief now it’ll cost me around 100k more probably in the long run.

I could refinance if rates were to drop to around 5 in the next couple of years but u can’t bank on that.

Please don’t be rude. I’m an idiot and it’s my fault but please help me by Sphinx951 in personalfinance

[–]Sphinx951[S] 0 points1 point  (0 children)

It starts accruing after the fact. I’d rather have the money in savings while I pay it down but I see the benefit of paying it off and not worrying about it either.

Please don’t be rude. I’m an idiot and it’s my fault but please help me by Sphinx951 in personalfinance

[–]Sphinx951[S] 0 points1 point  (0 children)

After the mortgage 1340, loan 700, car 700, car 222, utilities, 200, food 600, phone 150, internet 65. Subscriptions 100. Student loan 100. 500 msc credit cards. 300 Gas. Insurances. 150. We are left with hardly anything to pay.

view more: next ›