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Here's the deal...my salary is 35,000 a year. I take home after taxes about 2,000.00 a month. My current spending routine/expenses are: 1. 800.00 (Towards my one credit card w/ a balance of 5,000, zero interest until April 2010). 2. 250.00 (is my form of rent now, temporarily staying at my friends house until I can get rid of my credit card balance by October...so that I can afford rent) 3. 200.00 School loans (5,000=$50 a month with a variable interest of 5% right now and 12,000=$150) 4. 75.00 (cell phone with unlimited calling,texting) 5. 150.00 (car payment= balance left is 1040.00) 6. 140.00 (gas a month) 7. 25.00 (Birth Control) Which leaves me with about 385.00 for food and etc. I have no room for savings...which concerns me...should I pay less into my credit card? And focus on building a savings account? The most important thing is for me to get rid of the credit card to somehow manage to pay for rent on my own. I've never lived on my own which makes me nervous about budgeting more than 250...for liviing expenses. I didn't factor in how I have to pay for car insurance soon also. I was put in this situation abruptly because of a family member getting laid off and losing our house for that reason. I've been studying for the GMAT to try and get back into grad school but with the exam and further education...comes more expenses/school loans to fork out. My current occupation is doing public accounting..but I only have my undergrad and my goal is to get my CPA but I need additional school hours. I feel like I'm in such a bind. Can anyone please send out any suggestions or advices? Thanks in advance.
First, make sure you are paying minimum interest on your credit cards and student loans. If you do not know what the APR is on either of them, find out the APR and make serious attempts to lower it on the credit card and/or re-fi the student loan if possible. Second, see if your local women's org (e.g., NOW, Planned Parenthood) offers free birth control (it won't hurt to call and if it can save $25/month). Third, see if you could somehow lower your monthly cell phone expenses Fourth, reduce your tax withholdings to a bare minimum (use the calculation from tax tables on (Fed Pubs 15-T, 15-E, and Schedule X on 1040-ES; whatever Maine minimums are); do not withhold one penny more than your actual tax liability If you have any ??? about my above suggestions feel free to email me.
Follow Dave Ramsey's proven plans for success! It looks like you're going to have 950 freed up from your monthly outgo once the credit cards and car is taken care of (in about 7 months) ... Your home expense should be no more than 25% of your take home pay. So find someplace for around $500 per month or so. This will leave you $700 to pay off your student loans with after setting aside $1000 for emergencies. Add the $700 to the $200 you're paying right now, and you're got 900 per month going to the student loans. That pays off your student loans in a little more than a year and a half - sooner if you get extra work, like a night job, and throw that money at the student loan. When it's all gone, you'll be able to take that $900 per month and save it toward a down payment on a house, if you'd like. Get no more than a 15 year mortgage at a fixed rate (unless you pay cash for the house!) and then go to the next baby step. Soon you won't have a house payment, and that money will go into a tax advantaged retirement fund. And then you'll be wealthy! :) You seem to have an okay budget, but make sure you account for other expenses, like insurance and stuff. But if you follow this, you can be completely debt free in less than 3 years... and then all that money you were paying to the student loan and credit card companies will instead be paid to yourself. Best of luck to you!
If you believe in God pray about it