I feel like I never have any money (balance, education, rating)

[mamacita82]

Originally Posted by Info Guy

It would have been better if he did not go to college.

He should read Robert Kiyosaki books.

OP should watch/listen to Dave Ramsey shows.

I have 2 Credit Cards and I always pay them in full every month so interest rates does not apply to me. I am trying to get my credit to 850.

Doesn't Dave Ramsey teach a no credit cards policy and to not worship in at the altar of FICO? Just wondering since you referenced it.

[futureATLien]

Originally Posted by Info Guy

Is this for me?

It is like this.

After high school, go to college, graduate, get married, have kids, go to college for masters's and then phd.

That's how my dad's is. I feel really pressured to follow that path. Although I'm not all for marriage and kids, my parents hate me for that

[Lacerta]

My dad is a real estate agent, and he gets by just fine with a basic cell phone, with unlimited local and long distance, for around $50/month. You don't NEED a smart phone unless you don't have access to the internet anywhere else.

$250/month for gas actually isn't a LOT. That same father I mentioned above for being frugal on his phone, sometimes puts $1000+ a month in his truck for gas. And that is with no "commute". He just spends all day every day driving around town. I think $250/month is pretty average for someone who commutes.

On the extra frugal side of the coin, I spend $100/year for my phone, as a prepaid emergency phone. It deducts $3.99 every day I actually use the phone, but I get unlimited calls for that whole day. But that only works if you don't use the phone that much in the first place. And I only spend about $40/month for gas, but my "commute" is only 2 miles.

Shopping the auto insurance is a good idea. $90/month is high. My husband, who has full coverage, only spends $50/month. My liability is only $25/month.

[Info Guy]

Originally Posted by futureATLien

That's how my dad's is. I feel really pressured to follow that path. Although I'm not all for marriage and kids, my parents hate me for that

That isn't the route anymore by many and many can't afford to do it.

[Info Guy]

Originally Posted by mamacita82

Doesn't Dave Ramsey teach a no credit cards policy and to not worship in at the altar of FICO? Just wondering since you referenced it.

It is for people who pay interest on it. I don't.

[eyewrist]

Originally Posted by futureATLien

So i make about 1650 a month after taxes
I have about 625 total in student loans monthly
my car payment is 220
insurance is 90 a month
cell phone is 90 a month
100 a month in credit card pmts( i no longer use them)
and about 250 in gas
175 in rent
I graduated college about a yr ago and I dont have any money. I need some tips

1. Get rid of the phone and get Metro PCS,Boost or go to Walmart (-$40)

2. Go with credit union with car loan (-$75) then get a different insurance since you won't be driving much (-$30)

3. Move to a place with a bus system so you don't have to drive b/c you can't afford the repair or the job loss. Plus you should be able to get a discounted bus pass with you disability ( -$200)

4. Don't you get a disability check

5, Cook your food and take lunch to work with you ( -$150) I give you permission to eat out 2X /month

6. Get rid of cable or satellite and buy an antenna or better yet watch TV/movie through your internet (-$150)

7. Get a weekend job like CPR or Driver Ed or Defensive Driving instructor or inbound telemarketer. It won't fatigue you

Grand total saving $345 to $645

[eyewrist]

Originally Posted by Bruins_Fan

Really?! Wow, what are you paying down there, less than $3.00 a gallon?! If you're commuting 5 days a week, driving a Corvette or an SUV that would be tough to do.

Yea, gas is $3.34 to 3.45/gallon down here in the South.

[luzianne]

You could go with income based payments for your student loans for now, and then pay more once you make more money.

[futureATLien]

So I have 125 knocked off my loans for 2 years. I've been looking at cheaper phone plans but they are pricey. I paid 99 for both smartphones that I've owned. Today I've found out that I have to get surgery and I already have medical debt. However, I have payment plans setup with the healthcare providers so it doesn't effect my credit.

[Info Guy]

Originally Posted by futureATLien

So I have 125 knocked off my loans for 2 years. I've been looking at cheaper phone plans but they are pricey. I paid 99 for both smartphones that I've owned. Today I've found out that I have to get surgery and I already have medical debt. However, I have payment plans setup with the healthcare providers so it doesn't effect my credit.

Why do you need a smartphone for? All I use is a basic flip phone that I got free for. Your health should be first priority. Are you paying interest on those medical bills?