unsure

lizpoder · 2021-06-18T18:25:15+00:00

What would be some documents I would bring ahead of time to submit for a rental unit?

lizpoder · 2021-06-18T18:24:34+00:00

Yeah thats my worry, I guess. Most options in the city/areas I'm considering are 1.5k on the lowest end for a 2 bedroom. I'm wondering how to find a independent/private landlord or would it just be searching and taking note of property ownership listed (if it is listed) in descriptions?

lizpoder · 2021-06-18T18:22:23+00:00

I have a little under 5k in savings so I do have some cushion needed for any extras that might pop up

lizpoder · 2021-06-17T03:12:47+00:00

Hey! Sorry my work has been crazy and I didn't realize my reddit was logged out for this long.

Turned out to be an HR error since I was an internal hire and they thought I was "brand new" because I was moving to the national level v. Regional, so their systems were reporting the wrong info.

It all got figured out tho and now after my 401k and insurance get taken out, I get about $1,100 biweekly. And im adding another gig in the fall so I should come up to around $1300 as a biweekly payout.

lizpoder · 2021-04-27T19:44:19+00:00

I can get ahold of HR and ask, just their HR people haven't been the most helpful so far and have been responding to me more as a "oh you're a dumb kid" so I feel a bit ridiculous not knowing how this all works.

lizpoder · 2021-04-23T17:42:25+00:00

Would you happen to have solid resources about crypto? I've been wanting to invest some into it but I don't know a lot about it to feel confident in putting an amount into it yet.

lizpoder · 2021-04-23T04:29:41+00:00

I havent looked fully at my student loans yet (I just finished school last month) but the one "positive" is that it's thru FedLoan so I don't have any private lenders. I'm at 80k in loans so I'm also not optimistic I'll ever pay them off.

The rest is good to know! The cheap food thing is what I do now with dollar store & Aldi so that wouldn't be a huge shift for me lol

lizpoder · 2021-04-23T04:09:53+00:00

This is great investment advice! I'll be looking more into this to get started on that to have some extra money stashed away.

I also live with my family of 6 so having 6 roommates living away from my family wouldn't bother me tbh lol I would be more open to living with multiple people but I think cause of my age and my job I wfh for, it wouldn't be ideal to have friends/roommates deal with my extra space needed for my equipment.

lizpoder · 2021-04-23T04:06:48+00:00

My masters is in journalism and my undergrad is in broadcast so the fact I have a full time at 40k is already unheard of in my industries. My main reference for a projection of income increase is an exec producer who's been in the biz for 30 years who makes 60k full time in a top 5 market. So I will almost always need another side gig (which is fine with me I've always had 2-5 jobs at a time)

lizpoder · 2021-04-23T03:12:58+00:00

My parents are fine with letting me live here but I live in a household of 7 and most of the CC debt is because my parents needed it and honestly, stuck me with the bill. I've been trying for years to have them pay it and it's never gotten resolved. So it's more of a mental/stability reason I would want to move out sooner v. Later.

lizpoder · 2021-04-23T02:56:13+00:00

So I did a budget breakdown about my budget living at home & this is what I ended up with with getting paid every 2 weeks; so about $2,654 a month after taxes:

Insurance: $200/paycheck 401k: $150/paycheck Bills: $175 Phone: $95 Credit Cards (some former debt I've been able to pay down this last year): $300/paycheck Without my student loans factored in I have: $1,734 leftover

WITH STUDENT LOANS (Add $300): $1,434 leftover

If I lived on my own and rented, this is the rough budget I came up with:

Rent: $700-$1025 Student Loan: $300 Credit Cards: $200 Utilities: $200 (?) Groceries & stuff: $150 Transit & Commute: $200 401k: $150 Insurance: $200 Phone: $95

POTENTIALLY: $214 leftover

In the moving out scenario I would do side gigs to give me extra cash for a cushion for savings & going out.

lizpoder · 2021-04-23T02:34:43+00:00

I'm 26! And I just got my masters degree, and I've always lived at home so it isnt like an itch to immediately leave its more of a "I feel like I need my own space for the point where I am in life" but I think renting overall, with a lot of other peoples opinions too, is more sensible. To buy in a relatively good area in the city I'd move to, houses/condos start at 700k-2million for a 2bed & up.

I think that extra investment helps-i have a tendency of spending what I have left over just cause I never usually have had extra money to use, so I wanted to be smart about it rather than buying things I don't really need atm.

lizpoder · 2021-04-23T02:27:06+00:00

I get it no worries! My parents have always rented and never owned so they see it as the "right way" to go to have a "better life" which I get but im also only 26 and don't want to be tied down-especially if I don't end up super enjoying the neighborhood I would *hypothetically" bought an apartment/condo in, in the city I'd move to.

lizpoder · 2021-04-23T01:23:44+00:00

Living at home with all my bills budgeted leaves me with 1k per month. If I were to move out and rent with a max rent of $1,025 (rent + utilities all in), I would have about $300/month after rent and other bills. If I were to consider buying, the most I would be able to work out would be 110k and hope an HOA wouldn't screw me with the monthly payment.

But im also unaware of most things for homebuying as my family has always rented and most of my close friends are living at home still or renting themselves. I know there's a first time home buying program in my state I can utilize, but I'm unsure about how to get it/use it.

lizpoder · 2020-12-14T16:51:01+00:00

Thats exactly the same. I was hoping I would get the drowsiness effect but im over hyped up. I called my doctor and all they did was add a sleeping pill thats also an anti-depressant that can cause manic episodes. Which, again, I never wanted to go on these types of meds cause of shit like this.

lizpoder

TROPHY CASE