D.Josey
formerly dzaster
- 6,969
- 4,188
- Joined
- Mar 30, 2009
You never answered what you drive for $460 a month
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I have kids and if there's an emergency or power outage ur phone can still work if its the phone with the cord a cordless phone won't. So that's the reason I have still have a house phone. Also like I said my carnote is 460 but I get paid a lil over 800 every 2 weeks from my first job and my girl gets paid a lil over 1000 every two weeks sometime it's a lil under so every 2 weeks we have roughly $1800 plus I have my pt job where its around 250 after taxes a week so I believe that's still in my means
Damn OP.
Im 18 making $10.50/hr at the bank working full time.
My checks are usually in the 800 range w/ child support from moms adding to dat work.
I'll be making threads like these when I use up my refund check and cut my hours down to 20/wk for school though.
This advice is not realistic
An IRA while making $7.50/hr? Save almost 80% of his check? What planet do you guys live on?
seriously, what is he going to do with 30 dollars...for 2 weeks???...couldn't even make it out of the day with that ..This advice is not realistic
An IRA while making $7.50/hr? Save almost 80% of his check?What planet do you guys live on?
Question about Roth IRA: in your original post you said it would benefit him in his 40s. How would that work? I thought you can't withdraw from it until you're 59 and a half years ago unless you want to get hit with penalties]
You can start an IRA with as little as $20/mo. Saving 80% of any check takes a lot of discipline and frugality, but $20/m is manageable. I started my first Roth IRA and while I was making $7.75/hr. (Medical expenses messed up my budget and I had to get rid of it, but I plan on beginning a new one soon.)
im talking about my kids being at home and me not being at home and trying to get in contact with me or the police or just some type of emergencyI have kids and if there's an emergency or power outage ur phone can still work if its the phone with the cord a cordless phone won't. So that's the reason I have still have a house phone. Also like I said my carnote is 460 but I get paid a lil over 800 every 2 weeks from my first job and my girl gets paid a lil over 1000 every two weeks sometime it's a lil under so every 2 weeks we have roughly $1800 plus I have my pt job where its around 250 after taxes a week so I believe that's still in my means
I'm sorry but that doesn't make any sense. Your iPhone will work during a power outage unless it's not charged. Either way, you're overpaying for cable/internet/phone. You can get the top of the line cable and internet for around $130 a month (meaning HD, DVR, premium channels, fast internet) and home phone service shouldn't cost you more than $30-40 (high end). There's no reason to have a car payment of $460 when you're making $13 an hour. That's the first sign that you are living outside your means, the second one is each of you having an iPhone with a data plan. Not to be harsh, but what's the point of having an expensive car and phone if you are living paycheck to paycheck? Are you saving a substantial amount each month, are you putting money away for retirement, do you have any debt?
Question about Roth IRA: in your original post you said it would benefit him in his 40s. How would that work? I thought you can't withdraw from it until you're 59 and a half years ago unless you want to get hit with penalties
Where can you open an IRA with $20? The minimum is usually $1000 (or you can do monthly deposits of $100 but $20?).
im talking about my kids being at home and me not being at home and trying to get in contact with me or the police or just some type of emergencyI have kids and if there's an emergency or power outage ur phone can still work if its the phone with the cord a cordless phone won't. So that's the reason I have still have a house phone. Also like I said my carnote is 460 but I get paid a lil over 800 every 2 weeks from my first job and my girl gets paid a lil over 1000 every two weeks sometime it's a lil under so every 2 weeks we have roughly $1800 plus I have my pt job where its around 250 after taxes a week so I believe that's still in my means
I'm sorry but that doesn't make any sense. Your iPhone will work during a power outage unless it's not charged. Either way, you're overpaying for cable/internet/phone. You can get the top of the line cable and internet for around $130 a month (meaning HD, DVR, premium channels, fast internet) and home phone service shouldn't cost you more than $30-40 (high end). There's no reason to have a car payment of $460 when you're making $13 an hour. That's the first sign that you are living outside your means, the second one is each of you having an iPhone with a data plan. Not to be harsh, but what's the point of having an expensive car and phone if you are living paycheck to paycheck? Are you saving a substantial amount each month, are you putting money away for retirement, do you have any debt?
but i aint tryna convince u whats best for u. but its whats best for me
and yes i already put money away for retirement i have had and ira since i was 18 my girl had one when she was 21or 22
also i dont live check to check BUT i do feel broke sometimes
and its not because i cant buy things my kids live very comfortably
but i do see things that i myself may want and i put the needs of my family before mine thats all.
and thats what i meant by broke. not i literally dont have any money and broke every week
and i pay 460/ month for my car note because i choose too
my my payment is ACTUALLY ONLY 230 BUT
i want to pay it off sooner so i double down my payment so its always 460.
thats why i said my money is my girl money every thing we do we do together
OUR money goes into everything
i have a year and a half left on a 2012 impala
by the time 2015 my car will be paid off and i will be getting another car by that time
and no i dont have any debt that i owe
i also have another account for my kids set up for their college fund each paycheck money is direct deposited straight into it.
thanks for all the advice though i appreciate it whether i agree with u or not
im talking about my kids being at home and me not being at home and trying to get in contact with me or the police or just some type of emergencyI have kids and if there's an emergency or power outage ur phone can still work if its the phone with the cord a cordless phone won't. So that's the reason I have still have a house phone. Also like I said my carnote is 460 but I get paid a lil over 800 every 2 weeks from my first job and my girl gets paid a lil over 1000 every two weeks sometime it's a lil under so every 2 weeks we have roughly $1800 plus I have my pt job where its around 250 after taxes a week so I believe that's still in my means
I'm sorry but that doesn't make any sense. Your iPhone will work during a power outage unless it's not charged. Either way, you're overpaying for cable/internet/phone. You can get the top of the line cable and internet for around $130 a month (meaning HD, DVR, premium channels, fast internet) and home phone service shouldn't cost you more than $30-40 (high end). There's no reason to have a car payment of $460 when you're making $13 an hour. That's the first sign that you are living outside your means, the second one is each of you having an iPhone with a data plan. Not to be harsh, but what's the point of having an expensive car and phone if you are living paycheck to paycheck? Are you saving a substantial amount each month, are you putting money away for retirement, do you have any debt?
but i aint tryna convince u whats best for u. but its whats best for me
and yes i already put money away for retirement i have had and ira since i was 18 my girl had one when she was 21or 22
also i dont live check to check BUT i do feel broke sometimes
and its not because i cant buy things my kids live very comfortably
but i do see things that i myself may want and i put the needs of my family before mine thats all.
and thats what i meant by broke. not i literally dont have any money and broke every week
and i pay 460/ month for my car note because i choose too
my my payment is ACTUALLY ONLY 230 BUT
i want to pay it off sooner so i double down my payment so its always 460.
thats why i said my money is my girl money every thing we do we do together
OUR money goes into everything
i have a year and a half left on a 2012 impala
by the time 2015 my car will be paid off and i will be getting another car by that time
and no i dont have any debt that i owe
i also have another account for my kids set up for their college fund each paycheck money is direct deposited straight into it.
thanks for all the advice though i appreciate it whether i agree with u or not
a lil underdid you get that near MSRP? ive been seeing manheim selling em below 10k with less than 20k miles on em. but these transaction requires all cash
im talking about my kids being at home and me not being at home and trying to get in contact with me or the police or just some type of emergency
but i aint tryna convince u whats best for u. but its whats best for me
and yes i already put money away for retirement i have had and ira since i was 18 my girl had one when she was 21or 22
also i dont live check to check BUT i do feel broke sometimes
and its not because i cant buy things my kids live very comfortably
but i do see things that i myself may want and i put the needs of my family before mine thats all.
and thats what i meant by broke. not i literally dont have any money and broke every week
and i pay 460/ month for my car note because i choose too
my my payment is ACTUALLY ONLY 230 BUT
i want to pay it off sooner so i double down my payment so its always 460.
thats why i said my money is my girl money every thing we do we do together
OUR money goes into everything
i have a year and a half left on a 2012 impala
by the time 2015 my car will be paid off and i will be getting another car by that time
and no i dont have any debt that i owe
i also have another account for my kids set up for their college fund each paycheck money is direct deposited straight into it.
thanks for all the advice though i appreciate it whether i agree with u or not
naw man its cool no worriesim talking about my kids being at home and me not being at home and trying to get in contact with me or the police or just some type of emergency
but i aint tryna convince u whats best for u. but its whats best for me
and yes i already put money away for retirement i have had and ira since i was 18 my girl had one when she was 21or 22
also i dont live check to check BUT i do feel broke sometimes
and its not because i cant buy things my kids live very comfortably
but i do see things that i myself may want and i put the needs of my family before mine thats all.
and thats what i meant by broke. not i literally dont have any money and broke every week
and i pay 460/ month for my car note because i choose too
my my payment is ACTUALLY ONLY 230 BUT
i want to pay it off sooner so i double down my payment so its always 460.
thats why i said my money is my girl money every thing we do we do together
OUR money goes into everything
i have a year and a half left on a 2012 impala
by the time 2015 my car will be paid off and i will be getting another car by that time
and no i dont have any debt that i owe
i also have another account for my kids set up for their college fund each paycheck money is direct deposited straight into it.
thanks for all the advice though i appreciate it whether i agree with u or not
No ill will with my questions, I was just curious as to why you were paying so much for those things. I can't imagine having children at this time and it appears like you are putting them first which is very commendable. Still, I believe you could find a much better deal on cable/internet/home phone than what you're paying. AT&T always has deals for new customers (and you can get those if you threaten to cancel).
I'm very lucky that I don't have car payments, but I just wouldn't be able to justify that type of monthly payment for a new car if I can't really afford it.