Its been fun!

Vegasboricua

Well i've become way wiser on my finances in the last year. Unfortunatly i went threw a young and stupid age with money. Now im paying for it. Sorta. I hope to pay this car down in about 2-3 years on top of saving. I've been putting away about 1000 to 1300 a month(roughly 30% of my income). Thats was also with my Z before I got an apartment. Now I have an apartment the Z needs to go. I now have a budget and am alot more money smart. Im still managing to save at least 1000 every month, with 0 cc debt. My only debt is my car.

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ImportConvert

What do you do in the military that pays nearly $4500, if I can pry?

Is the cost of living rediculous where you are? With my appartment, my cost of living per month is around $1400 where I am.

Vegasboricua

I'm 22. I traded in my 09 sentra after 10 months of ownership on the Z I got screwed on the trade in. I put maybe around 3k down but I think I financed 37-38k on a base PW Z with 9.5% for 72 months

if I can pry?

well I make around 3,500 with my gf working her PT job we make around 4,300. But before I was living with her I was putting away around 1,300 a month with my 680 car note. I only paid $400 a month in rent, $80 for my cellphone, $200 for insurance. That was about it. I make around 1800 every 2 weeks. I keep 300 for my groceries/gas/and minor going out every paycheck. I rented a room in a house for 400 a month. That was all my bills. But now I moved in with my gf things get more expensive lol. I didnt plan on moving in with her for a while, but things changed and for personal reasons we moved in together.

But now I have I pay the following.

Rent-$700/Month
Car- $480/Month
GF Car 200/Month
Insurance -$130/Month
Cell Phone - 135/Month
Cable/Internet - $80/Month
Utilities - $50/Month
Personal Money - $400/Month
GF Personal Money - 300/Month
GF tuition - 390/Month
Groceries - 200/Month
Gas(Cars) -200/Month

Total cost of Living minus the personal money we allow our self out of our paychecks is $2565. My checks are always the same but my gf check vary week to week from around $170-$200. So assuming she brings in usually $170/week plus my income, make $4,132 to $4,252.

We usually don't spend all of our personal money every check so we save around 1,200 to 1,300 a month

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ChrisSlicks

Consider refinancing through PenFed. 2.99% for 60 months if your credit is respectable.

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