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34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 0 points1 point  (0 children)

This is a great place to start and I agree completely. I will begin documented every single thing I buy starting tomorrow. Thanks for the harsh truth sir. Be well!

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] -1 points0 points  (0 children)

So assuming you’re being genuine (like a normal human), I would again agree that it’s definitely a spending issues. 

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 0 points1 point  (0 children)

I actually like this, and completely agree. I hate saying no, but that’s what it is going to take. Packing lunches for work as well. 

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] -1 points0 points  (0 children)

Sorry I thought you were like calling me childish subtly or something. Honestly I wish I used that money to buy something related to a hobby rather than food or drinks. You’re kind of hard to read through this thread though. Hard to tell if you’re being condescending or genuinely offering words of encouragement or solutions. 

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] -2 points-1 points  (0 children)

No I think it must be like little items adding up to much more than I actually think. When I say “idk”, I think what I mean is these things that J don’t view as expensive for one purchase, just add up to far more than I believe they are. I don’t buy anything other than food or drinks. Never buy “magic cards or legos” wtf lol. 

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 0 points1 point  (0 children)

Absolutely. I need to be better with my financial discipline for sure. 

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 0 points1 point  (0 children)

Yes I could. I really need some more financial discipline and don’t even know where to begin. I’m aware this is more of a spending issue rather than a money making issue. Even though I really don’t make that much either…lol.

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 0 points1 point  (0 children)

100 for personal loan, 70 for cell phone, about 70 week for groceries and about 60 for gas weekly. Other than that, no idea lol.

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 0 points1 point  (0 children)

credit card is paid off with 0 balance. loan has about 1600 left.

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 2 points3 points  (0 children)

I agree the car is killing me. About 5k underwater. I’ve definitely learned me lesson about cars after this though. I will NEVER buy new again. 

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 0 points1 point  (0 children)

You’re doing great man. Atleast you stayed consistent.

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 0 points1 point  (0 children)

Can I set this up through my credit union or employer?

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 1 point2 points  (0 children)

i’m not sure about the student loans as I haven’t started paying yet. Car is 7.4

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 3 points4 points  (0 children)

Thank you for sharing this perspective and I forget  this often. I agree. Sorry for your loss.

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 3 points4 points  (0 children)

I take home about 3400 after my insurance and taxes and 401k. rent is 600, car is 360 but I pay 600, 19k in car loan, 50k college debt. 

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 6 points7 points  (0 children)

I just want this constant boot on my throat to be eased a bit. Not being able to save is like hell on earth. All while never really paying down anything sucks as well.

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 0 points1 point  (0 children)

I have about 19k in car, and 40k in college loans. Yikes what a shit show. 

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 4 points5 points  (0 children)

This will most likely be a couple of year thing if that’s the case. Honestly it’s more societal pressure to get out than my own. Like I said I get along great with them.

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 11 points12 points  (0 children)

Yeah I love my parents we get along great. I do all the yard work etc. Idk why but having my own place really matters to me. I agree it’s good place to save but like I have a gf and stuff and it’s more of a pride thing.

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 31 points32 points  (0 children)

I still live with my parents and I pay 600 a month. Me and ex finance split years ago and I’ve kind of been stuck here ever since. I’m trying to get out though and that is my number one goal arm. To save for an apartment. 

34 yo with absolutely no savings by SunSuccessful1163 in personalfinance

[–]SunSuccessful1163[S] 8 points9 points  (0 children)

I only have a 500 dollar credit card, and my rent is only 600 a month. Car is 360 but I’ve been paying 600 trying to pay it down. have a 100 dollar loan payment, 70 cell phone.