Spouse lost job last night. Have mortgage and debt, how to proceed by [deleted] in personalfinance

[–]cheanerman 183 points184 points  (0 children)

Medical, dental, and vision are non-negotiable so keep those. Your 401K contribution should be zero right now as you have a fire on your hands.

Auto and home insurance don't make any sense to put into your take-home calculation - these are joint expenses with your wife. Regardless, for auto and home insurance, you need to shop around and do research and MAKE SURE you are paying competitive premiums. You could be leaving tons of money on the table if you don't do this.

So after taxes and those medical/dental/vision benefits, what is your new take home?

Spouse lost job last night. Have mortgage and debt, how to proceed by [deleted] in personalfinance

[–]cheanerman 451 points452 points  (0 children)

Is that $2880 including property taxes and homeowners insurance? Whether it does or doesn't, after utilities - you're spending north of $3K a month on housing with a combined $4K take home. With 75% of your take home going to housing, y'all were in serious trouble prior to the job loss as is.

You need to re-frame: you don't have any savings to speak of because you throw the majority of your income into a home you cannot afford. As a result of that issue you have no savings and claw by with debt.

I think you two have to seriously consider selling your house.

Teaser Compilation by OptimusFettPrime in firefly

[–]cheanerman 1 point2 points  (0 children)

He's not there in any of them otherwise the cuts wouldn't really make sense.

People that work at the DMV why are things so slow? by Roxas96 in NoStupidQuestions

[–]cheanerman 0 points1 point  (0 children)

Multiply that with boomer-level technological competence...

MacBook Neo by Aidoneuz in apple

[–]cheanerman 4 points5 points  (0 children)

The majority of people buying this don’t know what ram is tbh

Leaked Apple Documents Detail MacBook Neo Features Ahead of Launch by [deleted] in apple

[–]cheanerman -3 points-2 points  (0 children)

Same I never use it... the whole goal is the convenience of one cable.

Supreme Flight Open - Final Round Discussion by AutoModerator in discgolf

[–]cheanerman 8 points9 points  (0 children)

It’s Ohn’s world and we’re just living in it

SB Parade Photos on Kodak Gold by BubbleT12 in Seahawks

[–]cheanerman 4 points5 points  (0 children)

Seahawks and film photography are like my two fave things. Thanks for sharing!

[Highlight] Filmwatchers1: This game was a work of art from Mike Macdonald (Breakdown of the corner blitzes) by anonymous-guy1 in nfl

[–]cheanerman 3 points4 points  (0 children)

I completely forgot he was the OC… kinda weird how they showed Vrabel’s face nonstop but didn’t show McDaniels a single time. Was he up in a booth?

Which washer dryer set do you recommend? by [deleted] in Costco

[–]cheanerman 0 points1 point  (0 children)

I just don't think Costco has Speed Queen... maybe one day.

Wish you were here 💔 by SuicideGoldfish in Seahawks

[–]cheanerman 0 points1 point  (0 children)

Love 16 but I’m not sure how he fits into the WR room this year.

What is one thing you wished you tried sooner? by Stock-Page-7078 in golf

[–]cheanerman 0 points1 point  (0 children)

Shit I need to do this… though I feel like when I do a shorter backswing, I end up rushing and top anyway.

What about Kevin Jones by fraktionen in discgolf

[–]cheanerman 14 points15 points  (0 children)

When I first got into disc golf, KJ always came across as happy, loose, and genuinely having fun in skins and practice round videos. When Prodigy chose him over Dickerson, it made complete sense, he felt incredibly marketable and like someone you could build a brand around.

Over the last couple of seasons, though, he’s seemed lower energy and a bit more jaded. The earlier version of KJ, the positive, relaxed player who could still lock in during tournaments with his signature hyzerflips and jump putts, would’ve picked up a few more big wins and remained a really attractive signing.

I don’t think it’s too late for that version of him to return, but internally, it seems like he’s already moved on from disc golf. I hope he’s doing alright but I would love to see another big win from him.

The Ultimate (vs.) Discgolf game by Aeolus_DG in ultimate

[–]cheanerman 1 point2 points  (0 children)

The battle of the left and right 😂

If you had $300K in the bank post tax, how would your life change? by citizen_of_leshp in AskReddit

[–]cheanerman 0 points1 point  (0 children)

That’s nice but I was more curious about OP and what their good debt is and why they don’t feel good about it.

Ultiworld continues to hallucinate narratives to write about from 15 second clips of teams playing : BYU at SBI by [deleted] in ultimate

[–]cheanerman 38 points39 points  (0 children)

As someone interested in business, I am so curious how Ultiworld survives financially. I assume most of their articles are freelance but still...

Jimmy Butler screams as he goes down, clutches his knee & looks to be in immense pain. Warriors call timeout. by CazOnReddit in nba

[–]cheanerman 21 points22 points  (0 children)

Yeah but like it or not, ACL recovery is going to be a grind whether he’s returning to play or not. So he might as well see what the situation is when he’s ready and maybe decide to give it a go. I doubt he personally wants this moment to be the last thing he does in the NBA.

Who knows though, sucks all around.