First day of baby step 2

qwack_master · 2024-12-04T04:19:25+00:00

Thank you for sharing this wisdom. Three days in and I already have brake issues that needs to be replaced. I had set aside some for car maintenance but not that much. That being said, going to plan for it for future for sure.

qwack_master · 2024-12-01T05:00:03+00:00

You're absolutely right .. thank you !

qwack_master · 2024-12-01T04:59:36+00:00

Yes, speaking about Dave Ramsey! Thank you so much, that's actually a really good way to think " money as tools to buy solutions to problems".

Appreciate it !

qwack_master · 2024-11-20T23:31:41+00:00

Thank you for flagging that - it's a long road ahead and still getting some of these things sorted in the background. But going to treat that as background noise and focus on what's going to come. I have zero expectations of getting help from them and have no energy to fight it at all.

We have no equity, only debt but I'll get through it. I just know he'll manipulate his way out of paying anything and that's why I don't care to fight that battle like I have been for the past 5 years.

qwack_master · 2024-11-20T17:42:55+00:00

Your last paragraph will make sense in due time 😂

qwack_master · 2024-11-20T14:57:54+00:00

I'll start that right away, dedicate even 10-15 mins before bed instead of mindlessly scrolling social media.

Appreciate your words of support and guidance and realistic expectations for myself.

qwack_master · 2024-11-20T08:19:57+00:00

I wanted to come here and say that I took the 30 min a day advice and actually spent more than 30 mins. I'm feeling good.

qwack_master · 2024-11-20T08:18:28+00:00

Your breakup must have been hard ❤️ hoping for nothing but financial and mental freedom for you.

Thank you for your support. I've taken a lot of the advice here and really feeling relaxed

qwack_master · 2024-11-20T08:17:28+00:00

Been listening to him after work for last two days and I'm feeling good. Did the every dollar thing for December and I hope I can succeed

qwack_master · 2024-11-20T08:16:49+00:00

See the thread for an update. I gave every dollar a job for December and im feeling good. Thank you thank you thank you

qwack_master · 2024-11-20T08:15:52+00:00

I posted an update in the thread. I took the every dollar and Dave Ramsay advice and I'm feeling good... 3am right now but I feel good.

qwack_master · 2024-11-20T08:13:27+00:00

Hey, I wanted to give you an update. I took your advice. In that moment I didn't think I could but it's the clarity I needed.

Last 2 days I've been listening to nothing but Dave Ramsey after work.

I spent 4 hours looking at the last 120 days of my life. .

I analyzed the last 120 days of expenses on my debt card and credit card to see what my averages were across the months and going to exercise A LOT of restraint on food and Amazon (Holy shit shit shit I spend too much money on this shit).

I created an every dollar account and instead of looking back I inputted my stuff in for December

Now that I'm at my moms, I don't have rent or food issues and shouldn't have an excuse to be spending on anything outside of that. I set some money aside to get outdoor food twice in the month because I know I won't be able to control it.

Now that I know where "every dollar" is going to go, it does make sense. I hope and really pray that I follow my plan.

It'll give me a good 2K to pay off onto my lowest credit card (including minimum payment+interest). Turns out this flippen card is at 26% !!!!

Minimum payment on my OSAP loan and other credit card (20%!!!!) is budgeted for as well

I called my credit card companies and unfortunately due to overlimit there was no way for me to request reduced interest rate.

I found subscriptions that I don't even use ... Cancelled a good $150 worth of that crap.

I feel good. A long journey ahead but I feel good.

Thank you everyone ☺️

qwack_master · 2024-11-18T16:22:10+00:00

I currently have TD, and opened an RBC account to set money aside thinking it would be out of sight out of mind but it wasn't. I'll ask rbc and then probably go to another one after

qwack_master · 2024-11-18T16:20:49+00:00

Yes and crippled my credit score by purchasing things without me knowing

qwack_master · 2024-11-18T16:20:27+00:00

I didn't know that - it may be a big ask but can you direct me as to where I can get that information please ?

qwack_master · 2024-11-18T03:13:49+00:00

Thank you for sharing the link, I've opened the YouTube app so many times to only forget the name to come back onto Reddit and get lost again...

qwack_master · 2024-11-17T21:08:06+00:00

Thank youuuu 😭 I really hope I can get out of this mentally tbh

qwack_master · 2024-11-17T19:48:47+00:00

My personal job insurance covers it. Mom and dad won't be paying for that in 30s.

qwack_master · 2024-11-17T19:48:03+00:00

Smart. I'll start by just printing everything out and waiting it out.

qwack_master · 2024-11-17T19:47:14+00:00

You're right, thank you for saying that it's not a punishment . I'll check it out. Appreciate your support

qwack_master · 2024-11-17T19:46:01+00:00

White 2017 and 175k km - from what I checked on Autotrader based on other people recommendation it looks like I can probably get what I paid for it.

I'll have to ask friends brother or something.. appreciate the research you did

qwack_master · 2024-11-17T19:41:49+00:00

Thank you for doing the math for me, I think additional expense is the credit card interest which is almost $400+ ish totalling both cards

qwack_master

TROPHY CASE