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Old 05-09-2013, 11:58 AM   #1
Dante84 Dante84 is offline
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Old 05-09-2013, 12:07 PM   #2
Buehler445 Buehler445 is offline
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Quote:
Originally Posted by Dante84 View Post
I am in the final stages of going to work for a temp agency that focuses on servicing home builders. It will be a weekend gig, and it will allow me to rub elbows with different HB's in the area and at the same time make 10 bucks an hour.

That extra income should help in the short term, though I am not looking forward to 7-day work weeks
That was going to be my suggestion. There are 2 sides of the equation. Revenue and Expense. Expense is pretty goddamn important. But revenue shouldn't be avoided.

Grab some extra cash. Don't **** it off, or think you can spend more money because you have extra income. That will be a huge help. Huge.

The other thing to consider is that if you grab a second revenue source, that keeps you busy. If you have idle time, that's when you spend the most money. If you're working all the time, you can't **** off your money doing stupid shit.
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Old 05-09-2013, 12:22 PM   #3
Fat Elvis Fat Elvis is offline
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Originally Posted by Buehler445 View Post
That was going to be my suggestion. There are 2 sides of the equation. Revenue and Expense. Expense is pretty goddamn important. But revenue shouldn't be avoided.

Grab some extra cash. Don't **** it off, or think you can spend more money because you have extra income. That will be a huge help. Huge.

The other thing to consider is that if you grab a second revenue source, that keeps you busy. If you have idle time, that's when you spend the most money. If you're working all the time, you can't **** off your money doing stupid shit.
Yep. $250/week for groceries and entertainment when you are wanting to get out of debt given your current net revenue means you have too much time on your hands.

That extra revenue will also cut down on your discretionary expenses because you won't have the time to spend it. It will allow you to a) pay down your debt faster, b) create some savings, and c) let you really examine what expenses are actually important to you; quality expenses are more important than quantity expenses.
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Old 05-09-2013, 04:02 PM   #4
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Old 05-09-2013, 04:18 PM   #5
Backwards Masking Backwards Masking is offline
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If you were a girl I'd say this: Get pregnant, wait til you're showing blatantly, post pregnant pics of yourself on as many websites, social or otherwise, as possible. Put desperate, but cute statements under them like "6 months and broke, what's an expectant mother to do?" watch the money roll in from friends and family, combine it with the state funding you get, then combine that with your child support from baby's Daddy. You'll be out of debt in minimum time and won't even have to lift a finger; just spread your legs.

You're a guy though so all that's irrelevant and you're just ****ed.
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Old 05-09-2013, 06:14 PM   #6
SLAG SLAG is offline
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I second the Dave Ramsey Plan.

A lot of it has been said in this thread - but If you stick to His plan - it really works.

You could be debt free in the next few months!

Good Luck
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Old 05-09-2013, 06:50 PM   #7
BigBeauford BigBeauford is offline
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Just started a Roth Ira with Vanguard. I put in 150 month, just started in January. I have contributed 1600 so far, but I have earned almost 90 that the fund has generated, Which completely shits over anything a savings account will do. You should only put in 3 months pay or not much more than 10000 dollars into savings. It is meant to be liquid assets to be used in a pinch with little to no penalty, not something you rely on for retirement.
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Old 03-19-2014, 05:52 PM   #8
Dante84 Dante84 is offline
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Old 03-19-2014, 05:54 PM   #9
Easy 6 Easy 6 is offline
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Old 03-19-2014, 06:13 PM   #10
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Congrats! Debt-free means that you will never be forced into slavery other than a military takeover by the Chinese. Or maybe some sort of Pulp Fiction pawn shop scenario. But odds are you're safe.
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Old 03-19-2014, 06:29 PM   #11
Chief_For_Life58 Chief_For_Life58 is offline
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Old 03-19-2014, 06:35 PM   #12
Hog's Gone Fishin Hog's Gone Fishin is online now
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To answer your new OP. One thing you really need to save up for is child support.
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Old 03-19-2014, 06:38 PM   #13
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