Hey reddit! I was wondering if I could get some advice one what exactly I should be doing with my money. I am always in debt and have 0 savings. I live paycheck to paycheck. I am 28 years old. I have 200 in a Roth IRA. I am a nurse working support (per diem) so I make more money an hour that being regular staff at my hospital. I bring home roughly $1800 every two weeks. If I can work overtime, it can be upwards of around 2000. Overtime is never a guarantee though and my job is exhausting ( I work in ICU) so I am not always mentally able to commit to working OT. I just paid off my lasik and I have $200 left on my car that I will pay this month. My extra money has been used up with going out to eat, bars, and vacations. I am upset with myself for being so irresponsible. These are my debts/financial obligations per month accompanied by interest rate if applicable: Rent: $825 Student loan: $805, total debt: $60,260 @ 6.375% Car Ins: $100 Cell Phone: $100 Gym: $46 Credit Card 1: $150, total debt 6,132 @ 29.99% Credit Card 2: $150, total debt 4,444 @ 20.99% Gas: $80, my job is 45 miles away from my home Groceries: $200 (this is a high end estimate) Should I be saving while also paying off my debt? Should I be aggressively paying off my debt and then worry about savings? Thinking about not have a roth ira full every year gives me anxiety for my future. I just feel defeated. I have been living this way for years would appreciate any advice.
Submitted January 21, 2018 at 01:29AM by Stephasaurous http://ift.tt/2DnUpvY
