quote:
Insurance alone is 1200.00, 3 tanks a gas a month is 1400.00. 2600 dollars a year right there. times 6 years i s 15,600.00. That is 25% of his debt. Not insignificant.

I enjoy Dave Ramsey. Many of his ideas are great. The envelopes and debt snowball, but I understand where you are coming from with the cars. That’s Dave too. It’s a bit puritanical. I as a borrower have sinned. I am a glutton and must be punished. Sell your cars and buy a shitty but dependable car and deliver pizzas as a side hustle.

Any of you guys in Katy or the Houston area and know a good finance person?

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Posted by Mingo Was His NameO

Brooklyn

Member since Mar 2016

25455 posts

Posted on 10/31/18 at 4:38 pm to LSU alum wannabe

quote:
Any of you guys in Katy or the Houston area and know a good finance person?

I'm failing to see where you need a finance guy. Finance guys don't compile receipts for people like you. Track your money and stop spending it, it's literally that simple, but you obviously don't and/or aren't going to do that.

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Posted by tigerfoot

Alexandria

Member since Sep 2006

56580 posts

Posted on 10/31/18 at 10:05 pm to LSU alum wannabe

quote:
That’s Dave too. It’s a bit puritanical. I as a borrower have sinned. I am a glutton and must be punished. Sell your cars and buy a shitty but dependable car and deliver pizzas as a side hustle.

nevermind.

See you in a couple more years

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Posted by Ace Midnight

Between sanity and madness

Member since Dec 2006

89734 posts

Posted on 11/1/18 at 9:48 am to LSU alum wannabe

quote:
Any of you guys in Katy or the Houston area and know a good finance person?

Debt/borrowing got you into this mess. It will not get you out.

Good news is that you're not insolvent. Bad news is you haven't hit rock bottom yet and don't appear ready to make effective change until then.

Good luck, baw.

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