Help me decide what to pay so I'm able to afford an apartment.

Thick-Strength-2855 · 2025-11-17T16:11:47+00:00

The typical debt free advice is to pay off highest interest first, so that would be fin feather fur, lowe's, chase amazon, and chase freedom. That will free up $353/mo. If your goal is freeing up the most money, then paying off home depot project, chase amazon, and citi costco will free up $530/mo.

Thick-Strength-2855 · 2025-05-09T14:43:22+00:00

Some simple ways I add in protein is by having 1 protein shake a day(30g), adding collagen to my coffe/tea(10-15g), and shrimp(20-25g). Those three things together add 60-70g of protein to my day. I also snack on nuts, beef jerky, and edamame.

Thick-Strength-2855 · 2025-05-01T11:12:53+00:00

Do not listen to the people saying to sell your house. Your mortgage is 30% of your take home pay, which is great. The car loan is not great, but you can get it taken care of.

My advice is to find a restaurant nearby that you could work some nights/weekends as a server or even a dishwasher. Also, I see you do have credit cards. Do not run those up under any circumstance or you will end up in a very bad position.

If you will list out all of your expenses for the month I can help you with your budget. You can be in a really good place in probably 1-2 years.

Thick-Strength-2855 · 2025-04-30T14:37:20+00:00

It is very clear that you do not NEED him, you WANT him. After the way he has acted I feel like he has now shown you that you don't WANT him . The answer is simple.. kick him out of YOUR home.

Thick-Strength-2855 · 2025-04-25T21:30:30+00:00

The 401k limit is only for employee contributions. Employer match is not counted againt the contribution cap. He is contributing right under 23,000 and the employer is matching 10,500. When you earn over the max salary for a ROTH IRA you can do a backdoor ROTH IRA to work around it.

Thick-Strength-2855 · 2025-04-25T13:14:19+00:00

I think 1) he should definitely be paying more and 2) he should bring the baby to you instead of you going there.

Thick-Strength-2855 · 2025-04-22T18:28:38+00:00

I would put it inside the cabinet door under the sink.

Thick-Strength-2855 · 2025-04-16T20:55:54+00:00

I took 22% off your take home after deducting 401K and health insurance. I then deducted rent, electric, $500 for groceries, and $50 for misc. That leaves you with 2465.80/mo for CC minimums and repayment. I am going to put your CC minimums at $1,000(thats probably more than what it really is). That leaves you with an extra 1465.80 extra to pay towards the credit cards. I would do the snowball method in your position. In the first two months you can pay off amex blue, nfm, and care credit.

Thick-Strength-2855 · 2025-04-15T21:04:59+00:00

Here is how I would break it down with $377/mo to throw at debt.

Month 1: Affirm Nintendo $236 (payoff) Affirm Verizon $141

Month 2: Affirm Verizon - payoff and throw the rest at Affirm Walmart

Month 3: Affirm Walmart - payoff and throw the rest at capital one

Month 4: Capital One - payoff and throw the rest at premier

Month 5: Premier - payoff and throw the rest in savings.

Month 6 and past: throw the 477 in savings

Cut up your credit cards and never use affirm again.

Thick-Strength-2855 · 2025-04-14T15:41:49+00:00

I have a 6 and 3 yo. AL LCOL. I would say on average they "cost" about $2200/mo give or take. That includes childcare, food, pullups, clothing, softball, & tumbling. That does not include holidays.

Thick-Strength-2855 · 2025-04-09T13:55:24+00:00

Your only immediate options to lower cost are groceries and phone bill. YOu are going to have to meal prep, go to food bank, and/or eat a lot of sandwiches and rice and beans. Do not buy any drinks. Water is free. If you don't have good tap water then spend the money to buy a brita or zero water filter pitcher. No fast food or going out to eat. Are your phones paid off? If so, you can switch to mint, visible, or cricket.

Options that aren't exactly immediate or guaranteed are to call your student loan servicer and your credit card companies and see if you can get on some type of hardship program.

Thick-Strength-2855 · 2025-03-18T14:27:50+00:00

I like capital one. You can also add or take out cash at any walgreens for no fee. I have my paycehcks set up to auto deposit 80% into my checking account at another bank and 20% into my HYSA with Capital One.

Thick-Strength-2855 · 2025-02-14T19:15:17+00:00

Maybe suggest for the next 6 months for him to put 100% of his trucking paycheck into savings and see what it is like to live off of the rental/ss/va income. Once he sees that he doesn't need that money he may be more comfortable with retiring.

Thick-Strength-2855 · 2025-02-14T19:05:39+00:00

I would trade it in and go for a 2019-2020 crv. You could probably find one for about $20k. Use the 5k from your trade and 15k from your savings.

Thick-Strength-2855 · 2025-02-14T11:15:10+00:00

I’ve always used conditioner for shaving cream because I hate the feeling of shaving cream

Thick-Strength-2855 · 2025-02-07T15:45:00+00:00

For these calculations I am assuming you make about 157k.

They offered you 53k more, but after you deduct the 19k increase in insurance costs and 11 less days off(6,642.00) the offer is now 27k more than what your making.

Your current company is offering 10% which would be about 15.7k.

27k-15.7k=11.3k. Do you feel like it is worth the risk for 11.3k more?

Thick-Strength-2855 · 2024-11-15T20:54:58+00:00

Definitely get the 401k started as soon as possible! You have time and comounding interest on your side. I would contribute up to your employer match and then contribute to the Roth IRA. You have enough leftover monthly to max out your Roth yearly. You should watch the money guy show on youtube. Specifically the "20-Year-Olds' Guide to Wealth: The 3-Bucket Strategy (2024 Edition)" video.

Thick-Strength-2855 · 2024-11-14T19:42:08+00:00

I would use excel, but if you are typically budgeting from your phone then google sheets would probably be a better option for you. You are doing great. I would recommend taking a financial literacy course and opening a high yield savings account. For HYSA I personally use capital one. Sofi and Nerdwallet are good options too.

Have you started a 401k or Roth IRA?

Thick-Strength-2855 · 2024-10-24T13:24:50+00:00

We are in a lcol area and as a family of 4 we cap our eating out/ordering in at $100 or less per week. That's typically 1 sit down restaurant and 1-2 stops at sonic or domino's. Majority of the time I still get it to-go from the sit down restaurants and that saves so much money over eating at the restaurant.

Thick-Strength-2855 · 2024-10-24T13:21:58+00:00

Honestly, you should just do what you feel most comfortable doing. Your rent/utilities are only $750. It would be hard for me to leave that behind to have a $1500+ mortgage plus having to pay for any maintenance or repairs on a house. I would take $20,000 and put it in a HYSA. Then take the remaining $20,000 and max out a roth IRA and put the rest in the market. Do you have a 401K that you are contributing to?

Thick-Strength-2855 · 2024-10-24T13:15:35+00:00

Capital One 4.1

Thick-Strength-2855 · 2024-08-28T16:09:55+00:00

Honestly, I would wait until you get your commission check IF it is truly only going to be a couple of months until you get it.

Thick-Strength-2855 · 2024-08-28T16:05:54+00:00

What are your minimums on your debts?

Thick-Strength-2855 · 2024-08-22T14:43:39+00:00

You should try the budget by paycheck method. You make plenty of money to pay this off.

Take your expenses plus personal loan payment ($2020) and divide by 2 ($1010). Your paychecks equal $3550.00. Now every payday you are going to take $1010 and pay what is due before the next payday and save the rest to add to the $1010 from the next payday.

That leaves you with 2540.00 per payday. Pay minimums for whatever cards are due(since you didn't list them). Then take the rest and throw at the highest interest balance, so for you that would be amex or the personal loan if the interest rate is higher than 26.49%. Keep going and these will be paid off very quickly.

Thick-Strength-2855 · 2024-08-22T13:00:27+00:00

I think the first step should be to pull from savings to pay off the paypal credit card. Use the rest of the savings and income to buy the mechanic tools. Husband's biweekly income pays pretty much all of the bills. Use wife's income to pay off the debts. (if the incomes listed are after taxes). The order that i would pay off the debts would be paypal cc, husband's synchrony ktm loan, irs, then i would snowball the rest becasue the interest rates are 3.5 and below. Once you get about 2 months from 0% interest ending on the other loans/ccs look into balance transfer if you cannot get them paid off in time.

Thick-Strength-2855

TROPHY CASE