21 yr old needs advice!!
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| Mon, 04-13-2009 - 10:43am |
Hey everyone... I need some advice.
I'm a 21 year old full-time student. I also have a full-time job and bring home about $540 home every two weeks. I just ended a relationship with a guy who helped me run up near $10,000 in credit card debt. I accept full responsibility for letting it happen, I just want to get out of it now. I've moved back home with my parents, and my bills, etc. are as follows:
$100/ mo. to my Mom for past debts (owe her $400)
$100/ mo. in gas (commute to and from school and work)
$150/ mo. Wellsfargo CC
$30/ mo. to Chase Visa
$30/ mo. to another Chase Visa
$30/ mo. to Discover Card
$90/ mo. to cell phone
$50/ mo. misc. (cat food, my snacks, etc.)
EDIT: $25/mo. goes into a savings account
I do my best to pay more than the minimum payment on my credit cards. Now that I don't have a power bill or house payment or even have to pay for food, I feel like I'm in a better position to pay this off.
What do you suggest? I admit that after coming out of this relationship I took some extra money to "spoil" myself because I felt that I deserve it. I am over that now and just want to SPOIL myself by getting the heck out of debt.

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I did see where you explained your cell phone is the basic lowest minute plan and the only provider in your area.
" ... but I get so burnt out sometimes and crave warm food".
It looks like overall you have a good plan to tackle your financial issues. I do understand warm food - a small price to keep your spirits up (yes, sometimes it is as simple as that). A couple suggestions, have you thought of getting a thermos to take home cooked soup and what not to school with you? If it is not practical, then budget in your eating out. For example, I allow myself two lattes a week - one on Monday (because it is so hard to go to work after the weekend), and one on Friday (reward for making it through the week). I don't know how many meals you eat out, perhaps for a start, cut the number in half and see how it goes? With summer coming, it should be a little bit easier not to have hot meals all the time.
Funny, I have done an entire school project via IM, too! ;-)
Thank you for the suggestions!! As silly as it sounds, I never thought of doing anything with a thermos and soup! I'm going to try this on Thursday : ) I usually get hungry for "lunch" around 10:30 or 11 so maybe this would work. Then I snack on granola and fruit for the rest of the day. I'm SO SO SO SICK of sandwiches. Bleh!
-Kels
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