Currently I owe about $18,000 in credit card debt.
My income is approx $3800 a month after taxes.
My monthly expenses add up to about $1300 rent, $310 car payment, $80 utilities, $280 phone bill (pay for my family and they pay may car insurance), and ~$100 extra to a total of ~$2080
I currently also have lawyer/dui fees that total about $2000
I have a 401k/Roth IRA with ~$30,000 in it.
I have the option to move back home which would help a lot, but it would definitely weigh heavily on my mental health, not healthiest household in anyway.
I'm not sure if I should take out a personal loan to try to tackle my debt, Start a better budgeting plan (don't really have one currently), or make the big move and move back home.
I definitely have some spending problems (legos, hockey jerseys, electronics), Thinking about selling some of these off and living leaner.
Overall looking for advice on what someone would do in my situation. Starting a legit budget is definitely on my mind but honestly am unsure how. I've always been bad with money, and don't wanna get any deeper into the hole that I currently have dug for myself. Any help would be greatly appreciated and if there's any pertinent info you may need to give a better answer I'll be happy to give as long as its not too personal.
Submitted June 09, 2021 at 08:49PM by robobaha https://ift.tt/3glFZkz
