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re: Another Dave Ramsey Thread
Posted on 8/13/13 at 11:47 pm to matthew25
Posted on 8/13/13 at 11:47 pm to matthew25
Wife and I are going to sit down tomorrow and arrange our debt from least to greatest. The only large debts we have besides mortgage are her student loans 21k, and my tahoe, about 16k left. The rest are just small crap, except for some land we own, which owe about 7k. Other than those three things, everything else is less than a grand each, but there might be a lot, as we are trying to work on my credit (I was a dumbass between the ages of 18-24.) I am currently back in school, and don't have a full time job. I umpire high school baseball and travel ball, and also work for my father-in-law. Our bring home pay is about 4500 a month. Our monthly expenses run about 1200 a month, including a baby sitter. We are staying in her grandparents old house, so we don't have a monthly payment.
1
Posted on 8/14/13 at 12:27 am to HoLeInOnEr05
quote:
Wife and I are going to sit down tomorrow and arrange our debt from least to greatest. The only large debts we have besides mortgage are her student loans 21k, and my tahoe, about 16k left. The rest are just small crap, except for some land we own, which owe about 7k. Other than those three things, everything else is less than a grand each, but there might be a lot, as we are trying to work on my credit (I was a dumbass between the ages of 18-24.) I am currently back in school, and don't have a full time job. I umpire high school baseball and travel ball, and also work for my father-in-law. Our bring home pay is about 4500 a month. Our monthly expenses run about 1200 a month, including a baby sitter. We are staying in her grandparents old house, so we don't have a monthly payment.
Im confused. You say you have a mortgage but live in grandparents old house with no monthly payment. Is the mortgage on the land you owe 7K on?
1-Sell the car and buy a 3K car with cash. Im assuming your car note is around $500 a month so that will free up an extra $500 to put towards debt.
2-You have an extra 3300 a month to put towards debt which is good. Pay the smallest one off and work your way up.
3- Can you pick up a job waiting tables at night? That's good money with the tips.
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