Author Topic: Monthly Budget Review: Not seeing the results I want  (Read 13664 times)

robartsd

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Re: Monthly Budget Review: Not seeing the results I want
« Reply #50 on: August 14, 2015, 04:10:37 PM »
Your Verizon phone should work on Page Plus's $30/month plan. The iPhone probably would too, but is not technically allowed and may be difficult to get switched over. Either way, it is probably better to sell your current phones and get something less fancypants.

You don't need to pay off all the credit card debt within the promotional period to save. Your credit score should improve as balances drop, so the risk that you won't be able to get another promotional transfer as the first expires is very low. And even if a new credit card doesn't let you transfer the entire debt, you can still save on some of it. I see no reason that you can't get in control of this enough to cut the interest you pay while eliminating this debt in half. (Remember not to cancel the old account once it is paid off - you want that credit history to keep your scores high.)

Storage - your cost to deal with this later will not really decrease, so you might as well start to plan how you'll do it (unless you plan to retire there after you make a ton of money in SoCal). It is simply burning $600/yr until you do. Start making a plan. Can you reduce the costs by couch surfing or house sitting for the time you need to spend there? 1.5-2k is a lot of money just for transporation of yourself and the sentimental contents.

JJNL

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Re: Monthly Budget Review: Not seeing the results I want
« Reply #51 on: August 14, 2015, 11:32:26 PM »
+1 for all the advice in the above. And one more question: if you commute 80 miles (!) and your GF has no job, why don't you move closer to where you work? If you could walk / cycle to work and your GF could also get a job within walking / cycling distance, you would save 300 a month on gas. And you could sell the car a lot sooner, maybe even go carless for awhile until you're above water again.