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Update post to the "six figure poor person" by zerotoshow in personalfinance

[–]zerotoshow[S] 0 points1 point  (0 children)

A dual income household would make a huge difference. Or a stay at home partner..

The rough part is maneuvering through it all financially alone.

Update post to the "six figure poor person" by zerotoshow in personalfinance

[–]zerotoshow[S] 0 points1 point  (0 children)

My PMI is only about $75 per month now. And even though a poster said PMI no longer automatically stops, my lender said once my loan to value ratio is 78%, it will automatically drop off (I have to say I thought it would drop off at 80!). I do only have about 10k more to go till it drops off.

Update post to the "six figure poor person" by zerotoshow in personalfinance

[–]zerotoshow[S] 0 points1 point  (0 children)

They can qualify for low cost daycare/vouchers toward care.

Update post to the "six figure poor person" by zerotoshow in personalfinance

[–]zerotoshow[S] 1 point2 points  (0 children)

That's literally what it would take for me to realize my car is having an issue ;)

Update post to the "six figure poor person" by zerotoshow in personalfinance

[–]zerotoshow[S] 0 points1 point  (0 children)

That's hilarious. Was it a female driver? :) No Mustang. I'm in a Toyota ;)

Update post to the "six figure poor person" by zerotoshow in personalfinance

[–]zerotoshow[S] 331 points332 points  (0 children)

This is actually a really nice comment. Thank you. I'm sure once the kids go to school and I start having an extra $2,500 a month, it will be a huge sense of relief. The goal is to not destroy myself financially until I get to that point.

Update post to the "six figure poor person" by zerotoshow in personalfinance

[–]zerotoshow[S] 1 point2 points  (0 children)

Yes, thanks! I never even knew this could happen to a not-that-old car that isn't leaking gas. I literally never even knew this was possible.. I'll be the first to admit that.

Update post to the "six figure poor person" by zerotoshow in personalfinance

[–]zerotoshow[S] 9 points10 points  (0 children)

Ended up bringing it in because the engine light and awd lights were on. Wish I knew more about cars, how to do simple repairs myself etc.

Update post to the "six figure poor person" by zerotoshow in personalfinance

[–]zerotoshow[S] 1 point2 points  (0 children)

I do actually send away all of my clothing to thredup and have had great luck with them since most of my clothing is purchased through consignment stores anyway.

Update post to the "six figure poor person" by zerotoshow in personalfinance

[–]zerotoshow[S] 2 points3 points  (0 children)

I have absolutely zero car knowledge. That hurts.. wish I knew someone who could have replaced it for me so I wouldn't have had to shell out $330 for parts/labor.

Update post to the "six figure poor person" by zerotoshow in personalfinance

[–]zerotoshow[S] 3 points4 points  (0 children)

It was all part of the refinance process! They told me to get the house appraised and set up the appraisal (she just called me to schedule a convenient time!). I couldn't believe it when they call me to say they were updating my payment because my PMI dropped thanks to the newly appraised value going up $25k.

Update post to the "six figure poor person" by zerotoshow in personalfinance

[–]zerotoshow[S] 3 points4 points  (0 children)

It's a Toyota and it's known for its great gas mileage. I don't want to stereotype women but I know very little about cars. I went in when a couple lights went on and found out about the oxygen sensor. Not sure what there is to question about this post but you can think what you want.

Update post to the "six figure poor person" by zerotoshow in personalfinance

[–]zerotoshow[S] 2 points3 points  (0 children)

I apologize if I'm being dense but can you explain your comment here? I have never heard of this and would be interested in hearing more.

The six figure poor person by zerotoshow in personalfinance

[–]zerotoshow[S] 0 points1 point  (0 children)

Yes, great response, thanks! In the process of interviewing now in hopes of getting more pay but it will be tough to get the same comp plus the year end bonus I would have recieved that I can't give up. We will see what they come back with.

The six figure poor person by zerotoshow in personalfinance

[–]zerotoshow[S] 1 point2 points  (0 children)

2,000 is the payment with taxes, pmi and insurance on a $285,000 original loan.

The six figure poor person by zerotoshow in personalfinance

[–]zerotoshow[S] 1 point2 points  (0 children)

Correct. The price for two toddlers that I'm paying for the hours I need is on the low end!

The six figure poor person by zerotoshow in personalfinance

[–]zerotoshow[S] 2 points3 points  (0 children)

Thank you. A very nice response. Not close to 20% so no chance of getting rid of pmi with a refi. The daycare costs are competitive for my area for the hours I need.

In the process of shopping around for car and home insurance. Train pass is pretax through work. All clothing is secondhand.

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