How to Break the Living Paycheck-to-Paycheck Cycle

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Sense My daughter has been born I've put 25 bucks into an account every pay check I've got. Had to dip in there a few times but she'll be 14 in August and i have 7,500. My plan was always to keep half and give her half when she turns 18. Little shit can build up

I had to stop going out so much. I used to hit the streets Wednesday through Sunday. Now maybe just once a week I cut my smoking in half. That shit saved so much money. You save so much in terms of less driving to mee the plug you don't have to buy as much roll up and lighters.

 
Young_Chitlin;9082116 said:
Young_Chitlin;8909228 said:
709 now :)

It should be more like 740ish but a situation at the US Bank dinged my credit by 30 points. No matter, I estimate by December 2017 I should be debt free.

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I don't like how you have to give them your ssn for the app
 
It takes 30 days when you make a big payment for it to reflect on your credit report I can't wait till September 30 even if it goes up a few points I'm going to be stoked and I Know It November when I finish paying off the credit card consolidation well actually I'll have it paid off a few days before Halloween so by the end of November I'm just excited sacrifice will be worth it and I'll be on the golf course soon enough with my Stella
 
Just by a simple tweak in the budget.. instead of 5 weeks, I can get this paid completely off in two and a half weeks an almost $8,000 loan paid off in 9 payments. Student loans are next to get whacked CARAJO
 
Ever since losing my house a couple of years back, its been a struggle to keep up. But now since I'm bout to relocate, hopefully things will get back in place.
 
Update- I got a promotion and my credit score is up to 763! Now I got to see what my net take home pay is each check to really budget
 
Young_Chitlin;9535466 said:
Update- I got a promotion and my credit score is up to 763! Now I got to see what my net take home pay is each check to really budget

im not far behind. I'm at 742
 
I think my take home pay will yield an extra $80-130. An extra $75 to my debt per month (after crunching numbers) will see me paying my car off as Early as Thanksgiving 2017

@TheBoyRo hermano we'll soon be one of the few posters with 800+ credit scores. Keep grinding
 
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I was crunching the numbers like mad at the gym hehe. If my tax return is $1,753+, I will be out of debt by Halloween. If this turns out like the numbers told me, my only thing left to do at around that time is to ask the credit union how much the final payoff amount of the car is.
 

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