I have a problem that i believe i'm always running short on money and i really love some advice on how to improved on my situation
i make around 40.000$ a year base wage but we do a lot of OT so far i've pulled 37.000 and we still have the rest of the year
i split all of my house expenses with my dad
-Rent: 750 my part
-Phone bill : 100 my part thats both our phones and internet service
-Water: around 15$ my part
-Electric: 80 my part
-Car is payed off
i own 4100$ in CC Debt mostly 0% APR that i'm paying on time for the next 2 years on promotions
800$ of that is 17% APR that i got last week on a trip to visit my GF who is working on another state ATM
-1700$ on a Loan that i'm paying off next year no interest
on my CC and Loans i pay a total of 280 a month to meet the 0% APR promotion on my Best buy and the loan for 1700
plus i pay whatever the minimal amount on the CC is + a bit more to keep them low of at 0 if they have APR
i have a 727 credit score according to mint i use mint from time to time but its so big its kinda overwhelming
i have everything set to auto pay so i don't miss a payment on anything
i have 3400$ in my account right now + 360$ in cash at home
6000$ in investment 401k and Robinhood, 401k gets deducted with my pay check every 2 weeks
around 20000$ in cryptos give or take i started one from scratch with a few friends
i gotta pay rent and credit cards and stuff of that nature in the coming weeks and i feel that i'm always on the 2000$ mark tops i spend way too much money on eating out and i belive thats whats draining me i never cook at home due to my crazy work hours 16+ hour days are a common theme in the Restoration World
i also have a GF and i spend a lot of money on us, trips dinners you name it
i would love some input on maybe getting a better hang of my finance so that i can better manage my money i would love to buy a new car in the near future and start saving for a House Down payment
Submitted August 26, 2021 at 09:00AM by TF141Scarecrow https://ift.tt/3mzUE0d
