It is real but the dollar amount varies.

Also the techs are not always the best and they can blow a vein and you are asked to leave with no payments. Too many times and they ban you.

Also….look up what it can do to you. There are some horror stories.

I did it for a little while pretty regularly to make ends meet, but I hated how I felt after and had a string of visits that the tech messed up and gave me bad bruising or had to switch arms because they messed up in the stick.

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There are lots of apartments in that area (and getting to be more by the day--I'm looking out my window at Kirkland right now!), but to give you an answer about what's in your price range I'd have to do the same research you would. I'll just say that most of the formulas for what's an affordable rent are 30% of your gross monthly income, and I really have no idea what that is for you since you only list your net pay, and even then it's not really net because you have deducted "savings, etc" which could be just about anything.

Oh, and there isn't a train in that area, but if you pick the right neighborhood you can get good bus service.

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They're not looking at retirement. They're looking at if their current lifestyle costs are sustainable.

What the debt is from isn't applicable.

You can have debt and take on a mortgage.

Let’s play a game.

Your monthly spending the way you list them up adds up to a total of about 7400.

With 9200 gross and 700 coming in from child support, that means you're living very close to your limit or above your means. It's hard to tell without knowing how much you end up paying in taxes.

Then there's the 10000 CC debt, which suggests there's some spending going on which isn't listed here.

And I don't see any savings.

It's safe to say your economy is not in a healthy state, at best you're barely getting by, at worst you're below water.

We have no retirement fund. We have a 529 for my son, and will open one for our daughter once she’s born.

I have no knowledge of where to start with retirement, or investing. I am at a complete loss.

After Tax, I take home $681 plus $316 cash. I am contracted as well and paycheck is $800-$900 monthly depending on hours and I obviously have to take taxes from that.

10k was from moving to where we are now two years ago. We could pay it off but we would not have the money to do the things we want to do to our house once we close, it’s 22 year old house and needs repainting & some fixing up work nothing too major, mostly cosmetic.

We may just have to bite the bullet and pay the 10k off and wait on house repairs.

Hey! Yes absolutely. I'm torn because I can go the company my friends work at but I'm feeling conflicted because I haven't been there for a year yet. I know that businesses have to maintain their standards by implementing audits and other processes but its too much. I feel like I'm drowning everyday and alot of the processes are unnecessary. I think I'm going to try to interview for the other company!

Stress levels. It's a huge mental burden removed when you pay it off. It gives financial freedom of some sorts. My plan was to pay off my house and quit my job and find something easier on my body. Paying off my mortgage allowed me to financially be able to take any position I wanted even if it was a pay cut. It was about 30k but it was less of a burden and my quality of life is substantially better. At 47 yo it gives him the financial freedom to do whatever he wants. He already has a mm plus in retirement. He couldn't retire early of he wanted without the worry of a house payment.

Me and my husband have separate finances, I’m the breadwinner and I luckily don’t have much debt. I’m not sure what all his bills are honestly so I am estimating totals. I know my share of bills are around $4,100 a month. I pay most of the mortgage, I don’t have a car payment and my only debt is $600 and as I’m writing this I just remembered I also have 2k debt in a consolidation loan but payment is at $89 monthly. We are in AL so low cost living. He gets paid $3200 gross and now $4000 gross and tells me he “struggles”. I make $4000 from a steady salaried job and $800-$1000 monthly as a contracted teacher. He works less hours and is essentially a “stay at home dad”. Maybe I’m just stressed because while we split rent now, I will be taking on more bills, which I don’t mind, but I feel somewhat of imposter syndrome and scared of that mortgage.

Bartending is a young man's job, the opportunity to be a 50 year old, male bartender are few and far between. Further, the job is not good for the soul, it may be fine for a young, single guy but the hours, the booze and generally toxic environment of working in a bar/restaurant is not good for an adult. Let's also not forget that most service jobs don't include health insurance and other benefits that while may not seem like much at 30 they are super important later in life.

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Is a bit weird. Still not unattainable. Seems to be a $300k ish mortgage with a gross income of $108kish + child support. It’s doable. Prioritization will need to happen, though.

That generation had a problem with cracking heads iirc. It’s pretty unusual for civics, an expensive fluke that PO didn’t address unfortunately

Def less answered. But just leave vm,

I wasn't trying to be precise, but to find the proper percentage, you could just divide the new salary by the old salary and then subtract 1.

60 ÷ 42 = 1.428

1.428 - 1 = .428, which is 42.8% just under my rough estimate of 45% hope that helps!

I believe it is just formatted weird honestly

It would also take the OP a year, maybe two to get into a nursing program and then the program is 2 years and a CRNA is an even longer program (again if you can get into the program). In addition most of the better hospitals want an RNBS, so add more time. If the OP is looking for a quick turn around nursing is not the way to go.

Yes I am

If you're already in collections, your score is screwed to the point where even a secured loan (the HELOC) would be at a high rate.

There's zero point in borrowing to pay down debt that's already bad debt.

New pay minus old pay, then divide that by the old pay. That will tell you how much higher %-wise the new pay is

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I don’t think the Fed mileage reimbursement rates are directly applicable like that. Whenever I’ve done the math on my used Mazda3 I end up with something like less than half the Fed rate. Maybe if I was buying a new $50k car every 5 years and getting $10k for a trade in it would work out that way, but I’ve always felt the reimbursement rates were set that way as a gift to employees who get mileage reimbursed or use it as a deduction. I’m saying that as someone who is regularly reimbursed for using my vehicle.