NT Get Out Of Debt/Frugality/Financial Thread (Will Be Updated Regularly)

[chickhien]

can anybody help me turn 2 g's in to 8 g's? ive been unemployed for almost a year and 2 g's have been untouched while ive been paying minimum payments on this loan

 

[chickhien]

oh, and my contribution: preventative maintenance on your car is CRUCIAL. my wife's dad borrowed her car when we were out of town. first thing he said was "yall need to buy a new car". she has a 2000 acura integra that her dad bought for her brand new. up until now, he was doing all the "maintenance" on the car. so i took over (we've been married for less than a year now). turns out, he put 4 different used tires on this car for who knows how many years now without ever getting the tires balanced or getting the alignment checked. no wonder her car handled horribly and shook at 55mphs. i got 4 brand new tires balanced and an alignment for $440...car literally drives like it's brand new. aint no way a shoehead gonna put cheap used shoes on his car! no need to buy another car and incur an unnecessary monthly payment.

 

[supersaiyan415]

is it possible and good idea to pay off credit cards with student loans? im thinking about doing that but never taken any loans out before.

 

[reduce523]

Here are some tips that help me.

1. Stop eating out. You waste so much eating out. A steak dinner at some ok restaurant for 2 50 bucks. At home with a better cut 10 bucks.

2. Use coupons. What I do to keep money in my pocket every week I go through the supermarket ads and go stock up on cheap things that dont spoil peanut butter, oatmeal, things that will fill you when you are broke.

3. Dont pay full price for anything. If it never goes on special then good you didnt waste your money.

4. Stop going to the mall when you get paid. I only go after all my bills are taken care of.

5. Pay your bills as soon as they come dont wait until the last minute. You avoid alot of fees like that.

Things like this have helped me pay off about 15000 dollars in debt and leave only 1000 of my student loans.

 

[quincy powell]

Those of you who live alone...how do you save money making under 30k?

 

[lilchico4life]

I'm taking advantage of the Discover 2% cashback for business owners. So far, I've earned a little over $2k in cashback since I started back in April. Hoping to get $8k by the end of the year. I also pay off the balance every week and reuse.

 

[kix4kix]

Rich white woman who now takes care of me

 

[villansfinest]

if you don't already know your budget... or have trouble sticking to the budget that you do have.

get a desk calendar. the big ones with the whole month showing. with plenty of blank or lined space to write notes on each day.

hang it up somewhere that you will see it ALL THE TIME.
 
write down every single thing that you spend money on. bills. tolls. food. anytime your money gets spent, write it down, and write down what it was for.
here's some ideas for categories: food, rent, utilities, loans, credit card, transportation, gas, insurance, booze, fun, friends, family, gifts, electronics, shoes, clothes, phone, savings.

at the end of the month, add up all of your expenses in each category. next month, challenge yourself to spend less on any of the the categories.
find ways to make your amount spent on savings as large as possible.

I have had success by only using cash. (i still have credit cards, i just try  not to use them) i take out a certain amount of cash and say, "well, this needs to last me 3 weeks." really simple. have something you want to do next week? better not spend all your cash this week!

 

[mrmoneyindabank]

Originally Posted by NostrandAve68

Originally Posted by Chicagos Finest 23

One of the worst purchases you can make is buying a brand new car and see it drop a couple of Gs in a few months.

True but a car isn't an investment, its a depreciating asset.

I'm still kicking myself for buying a car. I'm not even in debt, I just can'r do the things I want to do because so much of my income goes to expenses.

  

 

[solewoman]

if i could get rid of these student loans i would be straight.

 

[antbanks81]

[table][tr][td]Personal budget[/td][/tr][tr][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][/tr][tr][td] [/td][td]Jan[/td][td]Feb[/td][td]March[/td][td]April[/td][td]May[/td][td]June[/td][td]July[/td][td]Aug[/td][td]Sept[/td][td]Oct[/td][td]Nov[/td][td]Dec[/td][td]Year[/td][/tr][tr][td]INCOME[/td][/tr][tr][td]Wages[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Interest/dividends[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Miscellaneous[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Income totals[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]EXPENSES[/td][/tr][tr][td]Home[/td][/tr][tr][td]Mortgage/rent[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Utilities[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Home telephone[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Cellular telephone[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Home repairs[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Home improvement[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Home security[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Garden supplies[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Home totals[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][/tr][tr][td]Daily living[/td][/tr][tr][td]Groceries [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Child care[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Dry cleaning[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Dining out[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Housecleaning service[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Dog walker[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Daily living totals[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][/tr][tr][td]Transportation[/td][/tr][tr][td]Gas/fuel[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Insurance[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Repairs[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Car wash/detailing services[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Parking[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Public transportation[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Transportation totals[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][/tr][tr][td]Entertainment[/td][/tr][tr][td]Cable TV[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Video/DVD rentals[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Movies/plays[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Concerts/clubs[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Entertainment totals[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][/tr][tr][td]Health[/td][/tr][tr][td]Health club dues[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Insurance[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Prescriptions[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Over-the-counter drugs[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Co-payments/out-of-pocket[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Veterinarians/pet medicines[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Life insurance[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Health totals[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][/tr][tr][td]Vacations[/td][/tr][tr][td]Plane fare[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Accommodations[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Food[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Souvenirs[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Pet boarding[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Rental car[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Vacations totals[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][/tr][tr][td]Recreation[/td][/tr][tr][td]Gym fees[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Sports equipment[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Team dues[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Toys/child gear[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Recreation totals[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][/tr][tr][td]Dues/subscriptions[/td][/tr][tr][td]Magazines[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Newspapers[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Internet connection[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Public radio[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Public television[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Religious organizations[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Charity[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Dues/subscription totals[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][/tr][tr][td]Personal[/td][/tr][tr][td]Clothing[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Gifts[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Salon/barber[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Books[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Music (CDs, etc.)[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Personal totals[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][/tr][tr][td]Financial obligations[/td][/tr][tr][td]Long-term savings[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Retirement (401k, Roth IRA)[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Credit card payments[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Income tax (additional)[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Other obligations[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Financial obligation totals[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][/tr][tr][td]Misc. payments[/td][/tr][tr][td]McGraw-Hill Leads[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Taxes[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Tickets[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]   Other[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]   Other[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Misc. payments totals[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][td] [/td][/tr][tr][td]Total expenses[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][tr][td]Cash short/extra[/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][td]0.00 [/td][/tr][/table]

If somone wants to put together a list of emails i will send it as attachment

 

[BANLEU]

Aight I have a question..

I had to buy myself a car because me and my wife had a son and our older smaller car wasn't cutting anymore. so of course i bought a used one that i financed because at the time it was an unexpected expense and i didn't have the cash to buy one straight. anyway the loan i took out was for three years, but so far im on track to pay it off in 1.

now i may be getting a job further away so sharing one car with my wife is going to be a problem. now my question is do you think leasing a car is a good choice? ive seen some leasing offers that require a $2,000 down payment and only cost $200 a month. is this a waste of money? or should i just finance another used car?

 

[unbornseed]

Originally Posted by Mr Anleu

Aight I have a question..

I had to buy myself a car because me and my wife had a son and our older smaller car wasn't cutting anymore. so of course i bought a used one that i financed because at the time it was an unexpected expense and i didn't have the cash to buy one straight. anyway the loan i took out was for three years, but so far im on track to pay it off in 1.

now i may be getting a job further away so sharing one car with my wife is going to be a problem. now my question is do you think leasing a car is a good choice? ive seen some leasing offers that require a $2,000 down payment and only cost $200 a month. is this a waste of money? or should i just finance another used car?

I still for the life of me will never understand why people are so anti-financing a car but I digress...if you lease the car make sure you keep track of mileage and wear...they charge you for everything when and if you decide to turn it back in.  Also, put nothing down...you can haggle the same payment with nothing down...go to a few dealers and see who will give you below invoice pricing.

 

[sloane kettering]

I don't know why people lease...to me its a waste...rather own than rent

 

[lynchpin33]

Originally Posted by DCAllAmerican

---

I can tell my story about student loans. I probably came out of school owing about $12K. People always told me, "Damn thats good." I didn't think it was good, I think it should have been 0. So I practically spent $1000 per month until I paid it off. It took just about a year. I didn't want the interest to continue to build up so I said, "forget this, I am paying this off ASAP."

I just want to know how you did $1000 per month.  Were you staying at home or what?  That is remarkable.  i am trying to get some stuff payed off like this, what do I need to do to pay off my bills in bulk like this.  Thanks in advance.

 

[DCAllAfrican]

Yea I was staying at home and I had a job. Wasn't make THAT much but I was making ENOUGH.

I just spent my first checks 100% and paying whoever I owed back. Just paid them in full man. No need to allow that interest to build up any more.

 

[retroflashbacks]

3 credit cards

1 - $4,000
2 - $1,200
3 - $800

student loans - $32,000

Finally cut up my credit cards. Feels pretty good...so far.

 

[backpacker23]

Very helpful thread, we def need more threads like this on NT. Big ups to DC for this one. Now you guys got me thinking twice about going on vacation

 

[unbornseed]

Originally Posted by backpacker23

Very helpful thread, we def need more threads like this on NT. Big ups to DC for this one. Now you guys got me thinking twice about going on vacation

No sir, go on that vacation. Pay for the trip(flight/lodgin) on credit and use cash/cashiers checks on the actual trip when you arrive.

Being frugal just helps you save more money for a trip

 

[mo greene]

YO! DC good looks on the blog in the OP. now i know how to negotiate salary

 

[hollywood james 6]

Originally Posted by nnarum

I owe 19k in student loans and then those bad boys are gone.
I can knock them out within 15 months if I pinch my pennies. That is my only debt right now. It feels like death and hangs over me at work. I can't stop thinking about it and I hate owing money.

I want to save to upgrade my car. My Explorer has about 150k on it and I only plan on keeping it another 3-5 years.
Also want to save up a down payment for a home. Trying to get 10-20% saved as well... Also don't plan on buying something huge, I would rather have it paid for and start stacking money.

No frivolous spending the next couple years. Time to be a grown up.

I've cut up my CC and closed them down. I don't like paying the bank money anymore. Although I never really kept a balance, I overspent when I used them.

Good luck to those digging out of debt and changing their lives.

Not to grave dig, but I thought I'd give you guys an update...

Next month my student loans will be gone! And I hope to save for a down payment on a house... A little off my estimate, but pretty darn close

Might not want to move in during winter though...

It feels good man.

 

[blazinbama]

When I got out off college I had about $36K in student loans, i've been able to pay off about $26K, doing a G a month.  Now down to my last ten G's i've started paying the minimum payment ~$300, so I can continue to stack a decent amount of cash in case I wanna buy a condo.  Once my Citigroup and GS stocks come back up a little I plan on cashing those out and squashing the last $10k of loans.

I'm pretty into budgeting, here are my categories:
Rent: 25%
Student Loan: 10%
Savings: 25%
Gas: 10%
Insurance/Cell/Gym: 7%
Food: 10%
Other: 10%
Cash: 3%
Roughly...

I also pay for EVERYTHING pretty much on my CC, b/c I pay the balance off every month and figure i'd like to get rewarded for all the stuff I gotta buy anyways, get cash back from USAA.  Let me know if anyone needs any help w/ this stuff.

 

[go rilla]

i came into the post thinking DCGraveDigger brought it back