So how do you still owe $12k on medical?I had an emergency fund in place. That went to the procedures that the insurance wouldn’t cover which was a little over $10k
So how do you still owe $12k on medical?I had an emergency fund in place. That went to the procedures that the insurance wouldn’t cover which was a little over $10k
So how do you still owe $12k on medical?
That is incorrect.
Dave Ramsey, was bringing in $250,000 a year in the mid eighties when loans shifted. He was a millionaire on paper one day and completely broke and no job the next.
Like the OP, no money no job no credit. Dave has a young wife and family to feed as well.
He asked himself how he got into this position? He realized he was there because he borrowed money.
I’m sure the OP would say things would be a lot different in his life if he did not have the cc bills or car note.
First thing take care of living expenses.
Next take care of your health.
Find a job. Apply to 50 a day knock on doors meet new people.
Pay car note.
Then $1k Emergancy savings.
Then cc if you have any left.
and now makes his money off the backs of people who attend his seminars, to find out shit they already knew. I don't buy his hype nor his bullshit. but you gotta do you. he is no different that any other shill
I had to go to the emergency 10 times before they figured out what the issue was and had all kinds of tests and labs done. It was my gallbladder but I never had any stones, it just perforated and started leaking gangrene in my body.
Those that follow his advice, pay off debt create savings and have more money than they have ever had before.
Not bad from a $12 buck investment or a couple hours listening for free!
You said that you only had $10k in medical expenses after insurance paid the rest. You also said you still owe $12k. Which one is correct? I’m guessing you had $22k in bills after your insurance and you still owe $12k.
If you dont mind answering-What do you clear per year being nccco certified?Roughneck, Frac, coil tubing. Get a cdl and the possibilities are endless. Get nccco certified and you will have an easy job for life. I make a rediculous amount of money and most of the time just watch other people work.
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If you dont mind answering-What do you clear per year being nccco certified?
OP, lots of great advice in this thread-i wish you the best of luck. Keep your head up, things will turn around.
I have like 8 months....but currently shopping Zr1, viper, etc hahahahahI dont know... How many people on this site do you TRULY think have 6 months of pay just sitting in an account?
I know thats what a lot of people " say " to do... but I don't know a lot of people that actually have that.
I dont know... How many people on this site do you TRULY think have 6 months of pay just sitting in an account?
I know thats what a lot of people " say " to do... but I don't know a lot of people that actually have that.
I think 6 months is a little extreme. Ours has grown to a little over that but that is also where the money for my foxbody Saleen is coming from whenever I find the right one...
I don't think 6 months pay savings is that much. If someone is around their 30's and they don't have close to that then they're doing something wrong. UNLESS someone just bought a property and put a decent down payment down then I can understand not having that available but you can work back up to that figure.
Depends, 6 months saving maybe different to you then it is for me. I have a good chunk saved but it’s not six months worth.
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I don't think 6 months pay savings is that much. If someone is around their 30's and they don't have close to that then they're doing something wrong. UNLESS someone just bought a property and put a decent down payment down then I can understand not having that available but you can work back up to that figure.
LEts jsut say someone makes 120k gross.. so lets go with roughly 85k net?
How many people do you really think have over 40 grand just sitting around just in case?
LEts jsut say someone makes 120k gross.. so lets go with roughly 85k net?
How many people do you really think have over 40 grand just sitting around just in case?