What's up everyone. We are doing a contest with T.I. and we are giving away $1200 a day for the next 10 days. Just wanted to give you all a heads up.
https://www.allhiphop.com/ti
https://www.allhiphop.com/ti
How to Break the Living Paycheck-to-Paycheck Cycle
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Ever since losing my house a couple of years back, its been a struggle to keep up. But now since I'm bout to relocate, hopefully things will get back in place.
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Fellas with just a simple tweak of my budget..I can be out of debt completely in 18 months by June 7th, 2018
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Update- I got a promotion and my credit score is up to 763! Now I got to see what my net take home pay is each check to really budget
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Young_Chitlin wrote: »Update- I got a promotion and my credit score is up to 763! Now I got to see what my net take home pay is each check to really budget
im not far behind. I'm at 742 -
I think my take home pay will yield an extra $80-130. An extra $75 to my debt per month (after crunching numbers) will see me paying my car off as Early as Thanksgiving 2017
@TheBoyRo hermano we'll soon be one of the few posters with 800+ credit scores. Keep grinding -
$20,812.97 left in my snowball
$12,929.21 in my Jeep
$7,883.76 in student loans -
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I was crunching the numbers like mad at the gym hehe. If my tax return is $1,753+, I will be out of debt by Halloween. If this turns out like the numbers told me, my only thing left to do at around that time is to ask the credit union how much the final payoff amount of the car is.
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Young_Chitlin wrote: »Fellas with just a simple tweak of my budget..I can be out of debt completely in 18 months by June 7th, 2018
Sike I lied! I tweaked it again and I can be out of debt as early as 4/26/2018.. my goodness I motivated as 🤬 right now CARAJO -
Thats why I made a focus groups thread.. these things helped me out so much in terms of paying debt and buying personal items. If I can get into the focus group next week, I will be able to remain on course to pay off my student loans on 6/22/17, with some moneys left over to buy my son stuff. This is a grind, but I cannot wait to be debt free and take my lady and son on a vacation. People don't understand how serious the "becoming debt free" game is CARAJO. You need a plan and go ham on your debts.
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Young_Chitlin wrote: »Thats why I made a focus groups thread.. these things helped me out so much in terms of paying debt and buying personal items. If I can get into the focus group next week, I will be able to remain on course to pay off my student loans on 6/22/17, with some moneys left over to buy my son stuff. This is a grind, but I cannot wait to be debt free and take my lady and son on a vacation. People don't understand how serious the "becoming debt free" game is CARAJO. You need a plan and go ham on your debts.
Been following this thread. You got me motivated, keep it up bruh. -
"Do you want to know what is wrong with your money? YOU." - Dave Ramsey
Pew pew pew pew pew pew pew pew pew pew pew pew pew pew pew pew pew pew pew pew pew pew pew pew -
$3,024 student loan payment, 40-45% of my student loan payment obliterated. I did some rough math and I was stunned to find out that I could potentially pay off my student loans by Memorial Day 2017.
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$509 est final student loan payment 5/25/17... Sallie Mae getting dumped on a holiday CARAJO
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Update- thanks to some financial generosity, I can confidently say that my student loans will be gone by 5/11/17- 104 days after I committed to paying them off
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I have roughly $1300 left on my note and $6900 left in student loans. I haven't started working on my Roth IRA yet. Working OT and discpline will able me to pay the car note within 45-90 days.
My issue is with saving. I hate to see my savings account dip under a certain number and I especially hate to see it not grow. Its like each time I get paid I feel like I'm not paying myself enough. Anyone else having a savings vs debt payment struggle?
@Young_Chitlin -
Also how do you guys handle the money made from overtime? For me it varies bi-weekly but I would like some of your views on it?
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Bulletproof Wallets wrote: »Also how do you guys handle the money made from overtime? For me it varies bi-weekly but I would like some of your views on it?
@traestar @Sion @2stepz_ahead -
Bulletproof Wallets wrote: »I have roughly $1300 left on my note and $6900 left in student loans. I haven't started working on my Roth IRA yet. Working OT and discpline will able me to pay the car note within 45-90 days.
My issue is with saving. I hate to see my savings account dip under a certain number and I especially hate to see it not grow. Its like each time I get paid I feel like I'm not paying myself enough. Anyone else having a savings vs debt payment struggle?
@Young_Chitlin
Have a good budget and stick to it hermano. Your debts are manageable and can be paid off in a very reasonable amount of time. Like Dave Ramsey says, have a beginner starter emergency fund and once you get your debts paid off, build it up again. I'm happy that you're going to be soon in a great position to be putting money in Roth IRA. You have a debt amount that you can take care of soon and when you do you have your whole life ahead of you man to do some great things with your finances. -
If I really work hard at it and find some focus groups, my final student loan payment can be around $240-$340. I guess you can say the focus groups would be classified as odd jobs because they kind of are in a way. My dad always told me ask yourself before buying something do you really need it? and when I tell myself no I don't really need it I deposit the money no matter the amount$5 $3 $10 into my bank and I call my student loan company to make a payment
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Bulletproof Wallets wrote: »Also how do you guys handle the money made from overtime? For me it varies bi-weekly but I would like some of your views on it?
If you already take a percentage of your net income towards paying yourself (savings, investments, emergency fund, etc), a simple route to put your overtime money is to the same route. If you don't have that percentage, I would say create the savings funnel with the overtime money.
One thing I've learned over the past week is that it's doubles game. It's all about doubling your money and your value by making your money work for you.
https://youtu.be/Hihs81zGqBY
