Burner for reasons:
I am a 26-year old veteran(US Military) and have been out for a little over 2 years now. When I left the military, I had $9k left on a car loan, and about $15k in credit card debt (I was young and stupid).
Fast track to today, I have my own apartment which I am paying for by myself, but my girlfriend will chip in when she can(she's a doctorate student).
I am making $4350 a month after taxes.
Apartment- $1189 per month w/ 6months left on lease
Cell Phone- $125.75 (Verizon)
Car Insurance- $63 per month (Liability)
Motorcycle Insurance- $38(Full)
Motorcycle Payment- $122.25(minimum)
Electricity budget- $75.00
Gas budget(think heat and stove)- $12.00
Netflix- $12.99
Renter's Insurance- $19/month
Those are all my monthly bills. I do have my car fully paid off and my motorcycle is $911 from being paid off in full. I actually use it far more to go to work than my car, it gets 50mpg too. My apartment is "nicer" from the one I previously lived in. I got a 50% pay increase last summer and wanted a place I could be happy at. It comes with free internet, water, washer/dryer, garage, gym, yoga..you name it. i know it's expensive though. I am going to downsize when I can.
Debts:
Paypal Credit - $1400
Credit Card 1 - $1150 @ 9%
Credit Card 2 - $5185 @ 15%
I was down to approximately $3000 on credit card 2 until car problems inevitably struck and required a rather serious safety overhaul. I actually used Paypal Credit in a rather ridiculous way when i needed it. i had a bout of unemployment and needed money so I sent money to another account and withdrew it. It's sketchy but it got me fed. I wasn't on disability or unemployment at the time. I'm not proud. Still paying for that. Endless cycle. I have recently made a YNAB account and within the past 45 days of using it I haven't needed to rebalance the budget more than one time. I am actively paying "$1247.41" towards debts every month. I plan to be debt free and be a full time student hopefully starting in January of next year. It's been a tooth and nail fight since I got out to get to that point.
If It means anything, I am disabled from a tour overseas, and do receive compensation for it. It's included in my monthly take home pay.
I also recently adopted two senior dogs from a friend who had committed suicide, they don't do much but they're more my emotional support dogs since I'm in and out of bouts with depression and dealing with my injuries at the VA.
If anyone has any info on how to earn money working from a computer at home, that'd be nice to pursue on top of the job I do now.
Please feel free to crituque me critically, as I am need of getting things straightend around. i don't have any family to really fall back on so I am pretty much on my own here. Lemme know if I am doing this right. I paid off a lot of my debt the first year but then it took a dive and I am trying to get back at it.
edit: I am saving about $500 a month towards savings. Currently have $1000
Please let me know if the flair is correct for this kind of post.
Submitted May 04, 2017 at 08:19AM by ScweppesGuy http://ift.tt/2qIHEFA
