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SVTPerformance's Chain of Restaurants
Road Side Pub
Any Dave Ramsey fans in here or financial gurus? Need advice..
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<blockquote data-quote="tt335ci03cobra" data-source="post: 16133201" data-attributes="member: 68944"><p>If I’m brushed up on my Dave:</p><p></p><p>1. Cut your emergency fund in half by putting the extra 6mo on your house. Only need 3-6 mo of saved up emergency fund.</p><p></p><p>2. Break down that $700 and see if you’re eating out too much. Might be able to put another $500-750 a month towards the house if you try a lean boot camp kind of month.</p><p></p><p>3. Sellin a paid off car is fine but if you think you’ll buy one again in the future you’re in no better place long term. I’d keep it.</p><p></p><p>4. Technically you would be putting 15% into retirement right now but I’ll get back later into why I’m honestly on the fence about investing in this particular market...</p><p></p><p>Anyways,</p><p></p><p>From what I see just trim another couple hundred a week.</p><p></p><p>I personally was spending about $50-80 a day 3-4 years ago. Lots of frivolous stuff like restaurants and nick nacks. It helped me the most to go “beans and rice” “rice and beans” one cold turkey boot camp month. Didn’t look back since.</p><p></p><p>I pull in good money, but here’s how my work/general casual shoes look. Please, don’t rush to PayPal me shoe money, I have $180 in my pocket and 6mo of emergency fund. I’m just a cheap ass haha. [ATTACH=full]1553056[/ATTACH]</p><p></p><p>People think I’m a bum I guess, no shits given. I put about $40-50k of my actual income into debt repayment, and probably another $100k from the shop back in as well but that’s between me and partners. We want to get out of debt and safe before the next recession or collapse. Scary times are just a year or two away, look how crazy the markets are. Alarm bells everywhere. All it will take is a couple forms to blink and reposition a 5% chunk of assumed securities and the feds 1913-2019 run of fiat crap will officially suffer entropy.</p></blockquote><p></p>
[QUOTE="tt335ci03cobra, post: 16133201, member: 68944"] If I’m brushed up on my Dave: 1. Cut your emergency fund in half by putting the extra 6mo on your house. Only need 3-6 mo of saved up emergency fund. 2. Break down that $700 and see if you’re eating out too much. Might be able to put another $500-750 a month towards the house if you try a lean boot camp kind of month. 3. Sellin a paid off car is fine but if you think you’ll buy one again in the future you’re in no better place long term. I’d keep it. 4. Technically you would be putting 15% into retirement right now but I’ll get back later into why I’m honestly on the fence about investing in this particular market... Anyways, From what I see just trim another couple hundred a week. I personally was spending about $50-80 a day 3-4 years ago. Lots of frivolous stuff like restaurants and nick nacks. It helped me the most to go “beans and rice” “rice and beans” one cold turkey boot camp month. Didn’t look back since. I pull in good money, but here’s how my work/general casual shoes look. Please, don’t rush to PayPal me shoe money, I have $180 in my pocket and 6mo of emergency fund. I’m just a cheap ass haha. [ATTACH=full]1553056[/ATTACH] People think I’m a bum I guess, no shits given. I put about $40-50k of my actual income into debt repayment, and probably another $100k from the shop back in as well but that’s between me and partners. We want to get out of debt and safe before the next recession or collapse. Scary times are just a year or two away, look how crazy the markets are. Alarm bells everywhere. All it will take is a couple forms to blink and reposition a 5% chunk of assumed securities and the feds 1913-2019 run of fiat crap will officially suffer entropy. [/QUOTE]
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SVTPerformance's Chain of Restaurants
Road Side Pub
Any Dave Ramsey fans in here or financial gurus? Need advice..
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