you are not including gas, maintenance, tires, CAR, insurance, food cuz youll eat out more often.. ... $$$ that eats into that.

Do the numbers. Milage, 1 1/2 hours of not paid work travel. Whats that come out to per year?

What kind of car? I’m always curious what my fellow long-haul drivers find themselves behind the wheel of.

My commute is 1hr 15 mins and I've done it for many many years, every now and then traffic gets bad and it's 2 hours, but i don't mind. I like commuting, and i love my job and being in an office. Everyone is different and I guess OP has to work out what they are happy with.

I've had good success with Ally, LendingClub and Citizens Access. Avoid Citibank - they tend to freeze accounts and then refuse to return your money. I've seen a few nightmare posts about Marcus lately, so they aren't high on my list either.

** you can ask for a credit increase through the cards app.

I know this isn't the answer to your question but why not ask for a credit increase or/and get a second card and not use it then you wouldn't get close to the 30%.

I go twice a week. $120 per week.

$40 first donation of the week, $80 the second.

Regardless of whether you're breaking any laws in your interactions with the government and taxes, if you lie to your employer (or anybody) to induce them to give you more money, that's fraud and they can sue you for it at the very least.

I sell plasma on a regular basis, I made about 4 grand last year. My work schedule doesn't always let me do twice a week. I'm currently getting 130 per week, about 400 per month is normal for me

Avoid greesy food the day before, it makes things go faster. Drink lots of water, but be ready to chill in one place for a an hour or without getting up. Don't go there when you're in a hurry. I don't know why it is but when I'm in a hurry they are slow. Make sure your phone is charged or bring a good book. If you work out work out before you sell plasma, not after. If you stick with it your gonna wanna supplement with iron and a protein shake now and then, they should let you know how your protein and iron are doing.

It’s in the construction industry so the “job” is always moving. I can’t move closer to the job

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no you need to have at least 20 percent for down payment or you will need to pay pmi, once you buy all utility becomes your problem so add probably 100-200 to electricity, water, gas, trash, then add some homeowner insurance and property tax. Don't forget about the potential cost of hoa, yard maintenance and regular interior maintenance.

Foreclosed homes are generally sold at auction where investors and unethically the banks will bid up the prices. Also, transaction occurs once auction is completed. It is possible they could be sold by a “wholesaler” who bought at auction and added a couple grand for profit. Lots of ways this could go down these days especially after the last bubble/crash.

you don't need two.car, sold one you don't use, cancel all subscriptions, if you need one, get amazon prime since it has music, books,and tv. Wifi can be cheaper, or cancel entirely and use cell data. Why pay for four people when you are in so much debt. Going into dental school might be a good idea but can you afford it right now, how much income would you lose by leaving fedex and how much extra for dental school?

what really worries me is why did you accumulate so much debt in the first place. I felt like you are a very impulse driven person, you need to track your spending and if the cards are what fueling.your bad spending habits you need to cut them. You talk about dental school but have not provide a compelling reason why you are taking it

That’s the IRS mileage rate? Unless they’ve got a weirdly nice car, that’s a large overestimate.

Also, it seems a bit strange to value or off work time at $20/hour. It of course doesn’t actually cost you that amount.

Unlock the Power of Your Portfolio: Proven Strategies for Maximizing Returns in the Stock Marketis legit the only book I feel is geared towards beginners.

There are a lot of books with a ton of knowledge (many already recommended) but they seem to be written with the intent of showing off THEIR knowledge instead of teaching YOU anything.

Like does it depends on the amount of blood we donate or the group of blood that we donate? Depending on the need and scarcity?

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I don’t know enough, like your bills, how much your child/childcare is, any external factors like car payments, WHERE in Ohio… but in general… not at all. Pay the debt ASAP. Set a hard budget. Use year 1 to settle debts and get in good standing to start saving, and years 2-3 to really stack up. If you can swing saving even 10k a year, that’s 30k in 3 years which is more than enough to get a place in Ohio without FHA loans (but save more ideally). Ohio has pretty cheap real estate (again in general, idk where you live in Ohio) so you’re in a good spot there. It wouldn’t be the same in a state like California.

Again, take this with a grain of salt. I don’t know enough about you. I do know that with a budget and financial awareness you can do great things. Good luck.

3 years is more than reasonable. Banks mostly care about your ability to save & ingoing/outgoing.

Do you need a car? One has to go regardless. But if the Nissan is worth more than $15k I'd probably sell it and either fix the jeep or buy a bike. Cancel HBO and Hulu. Get your own phone plan.

Sadly stop spending any significant money on any hobbies until you get this debt cleared.

You're young and this is a very minor speed bump. If you don't have rent to pay you could probably put your head down and bang this out in a year and change. Good luck!

To add to this, it can change fast as well. I had a score that was rather low, because I was barely making enough to pay my bills, and because I was carrying balances. I was seeing my score sit pretty still around there for awhile. Now I got a full time job around months ago, and my score shot up probably 200 points. Same bills, but the score changed because the circumstances changed.

1500 is not enough to catch your attention when it happened but it’s a problem now? Hmm…

They saw you have some scratches and so when you call they are going to basically lie and say they can prove you scratched their car, then offer not to report it to insurance if you pay them cash. R/scams is good resource