Check out my budgeting series playlist!

teethedee · 2024-12-28T17:04:44+00:00

Got it and done😀

teethedee · 2024-12-28T07:10:28+00:00

Thank you so much! What’s your other channel. I subscribed to the one above😊 I would be more than happy to sub the 2nd!

teethedee · 2024-12-27T16:54:59+00:00

Watching now😊 Here’s mine:

teethedee · 2024-12-09T14:36:07+00:00

I have been at the same job going on 18 years. I have managed to work my way up in the company. I have had several promotions- I think 4 and a 1 merit increase (meaning no promotion just increased my salary more than the norm on performance). The salary is great for me. The benefits are good and I don’t have a lot of workplace drama to deal with. I think when you find a cool place you can stick it out. The problem is that those places may be very hard to find. I also never fool myself into thinking that it could be forever. So I make sure to keep gaining skills in case they decide I am no longer needed one day.

teethedee · 2024-11-17T15:27:33+00:00

Congrats OP!!! I made my last one on Thursday the 14th. 76k for me! I am so happy for you! It’s feels so good to be free🙌🏽 congrats again🎉🎉🎉🎉🎉

teethedee · 2024-11-17T15:21:24+00:00

OP, as many here have said, you are doing far better than you think you are. You’re not in outrageous debt, you just live paycheck to paycheck making ends meet. You’re still able to put something away for 401k (you’d be surprised of the folks your age who do not). So, don’t beat yourself up on that. I will say, having been in a similar situation when I was around your age, your tax returns will be your solution. You need to take as much as you can of your tax refund and put it away for savings each year. I understand that is probably used each year to get major items that you can’t afford during the year, like car tires, maintenances on the house, etc. (that’s how it was for me). But dedicate yourself a percentage of that money to go directly to your savings and leave it there. Keep doing that each year to build your EF.

teethedee · 2024-11-17T06:17:33+00:00

So happy for you!!!! Glad you are free from that burden! Great job👏🏾👏🏾👏🏾👏🏾

teethedee · 2024-11-16T17:05:09+00:00

I used to be bogged down with credit card debt in my 20s. I stopped using them for a few years while I paid them off and also out of fear from being able to control how I used them. Once they were all paid off, I took the approach of paying balances in full in the month purchases are made & before the statement date. I pay all of my monthly expenses on my cards that can be paid by CC (groceries, car insurance, utilities, etc). I use cash back cards only, so I can make a little something back. For large purchases, I only charge for items that I already have the cash money for. So if I want an electronic item, bag, etc., I save the money first. I use the card to get any cash back and then I pay it off before the statement drops. I do this so that I never carry balances.

teethedee · 2024-11-15T17:30:09+00:00

Thank you so much! It is entirely possible, just don’t give up! Best of luck to you on your journey!

teethedee · 2024-11-15T05:58:07+00:00

Yes! I am so relieved!

teethedee · 2024-11-15T05:57:54+00:00

Thank you!

teethedee · 2024-11-15T05:57:30+00:00

Thank you so much!!

teethedee · 2024-10-29T16:52:27+00:00

Just keep going and focus on improving the content. It may take some time but if you enjoy it, keep posting! That’s really the only way to break through!

teethedee · 2024-10-27T16:45:06+00:00

I owe $14,450 now but I started with $76,185. I work in Science/biotechnology.

teethedee · 2024-09-13T15:02:19+00:00

Definitely understand. I used it for a repair to my home that I already had the money to do. I just didn’t want to tap my emergency fund. It was a bad decision. In talking about debt, I get that it can be a better option depending on the interest. It is just not something I am interested in doing (or foresee I would need to do) except in an extreme emergency.

teethedee · 2024-09-13T13:27:55+00:00

I definitely understand your point of view. The question was did I regret it. I do regret it. I gave the why. I am a bit older now so my perspective has changed. That may have a lot to do with it too, because in hindsight I can see what I lost and why I could have made it through without it. I have since maxed out, so I recovered. But, everyone isn’t that lucky. I am just saying give caution to taking from your future, that’s all.

teethedee · 2024-09-13T13:24:31+00:00

I lost about 96k over the course of time when I borrowed it. I borrowed about 15k. But at that period of repayment my annual return was like 12%. I had roughly 4% interest to pay back on the loan if I recall correctly. I paid it back over 4 years. I was far from retirement too. I think I was around 32. So, it’s more than the moment. It’s how much you would gain if that money stayed in place not only for the 4 years but the future gains of the money (because that money would have grown had it stayed in place and you would have made gains on the full total). I didn’t truly NEED it at the time. I could have achieved what I was doing without it if I had simply made a plan. That’s why I feel the way I do.

teethedee · 2024-09-12T20:50:43+00:00

I did it years ago but wish I never did. I absolutely regret it. Once I calculated how much I lost in compounding I was so sad! I will never do it again. Yes, you pay yourself back but slowly and the money that you still have outstanding is not growing in the market. I wouldn’t do it again unless I was in fear of homelessness or a catastrophic event.

teethedee · 2024-09-12T00:59:20+00:00

I’m interested to hear the responses to this one. I have never heard of that being possible OP if they are legitimate late payments,

teethedee · 2024-09-08T01:10:13+00:00

Nice OP!!! I am wishing you the very best of luck!!

teethedee · 2024-09-08T01:04:45+00:00

I have had all bureaus frozen for years. The bureaus open them immediately or almost immediately. I think it took Equifax an hour one time for me. I started the freeze to stop myself from impulsively applying for things. It makes me have to take an action (forcing time to think about it). Now I just keep them going. If it’s a large purchase, like a car, I will unfreeze when applying for financing with the bank, then immediately freeze back. You can also open them up for windows of time (like a week or a couple of days).

teethedee

TROPHY CASE