Hey guys. I posted this in the personal finance sub but figured what could be a more fitting place to post this than here? I could really use any type of advice you guys have in paying these things down...
I have 2 jobs. My full time job: I make $15.50 an hour, on a 40 hour week. My paychecks range between $910-$1,100 biweekly. My part time job (just started): I make a little more than $10.50 an hour for 15 hours a week. My bills (per month): $790 rent (I live alone). Heat, hot water, sewage, trash is included in rent.
$30-40 electric.
$50 car and renter's insurance combined.
$66 cell phone bill.
$45 internet bill.
$10 netflix. Grocery bill depends. I can get by at around $50 a week.
Entertainment wise, not much. Not a lot of time anymore lol.
My private student loans are about $23,300. Federal are a little over $16,000. Private loans are on a temporary interest only payment plan, but I try to pay $100-200 a month on them. Federal are in a temporary forbearance.
The reason for the interest only/forbearance is I went through some personal struggles and medical bills; but I'm now ready (well... and pretty much have to) tackle them as they are now my only debt. It worries me that soon I will be owing the full amount per month on my loans soon, and want to be in a good financial situation. My car has over 100,000 miles on it, and it's paid off, but it's (knock on wood) very reliable and hope to keep it going as long as possible. I have ideas to reduce my expenses (go prepaid on cell phone when contract is up, get a cheaper apt when my lease is up) but any other advise is appreciated. I'm feeling stressed, to say the least.
I would especially appreciate tips on cheap meals that don't involve a lot of cooking lol. I don't like or have much time to cook.
Thanks and have a wonderful weekend!
March 18, 2017 at 01:15PM
