#30k

Roughly 30k in cc debt

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Roughly 30k in cc debt Just found out (wife has been handling the finances, I know I should have kept tabs) that between our shared account $12k, a retail account $6k and her account I don’t have access to $12k I’m in a fuck load of credit card debt! I have literally 0 experience with this, I didn’t get my first cc until I was 32….what the hell am I supposed to do!?…

Reddit Personal Finance 464 2023-10-20

$30k Credit Card Debt Consolidation

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$30k Credit Card Debt Consolidation Hello, I am looking at the best way to eliminate/consolidate credit card debt. I have about $30k in credit card debt totaling about $1,300 month with minimum payments. I have about $20k in a 401K that I can borrow against and also have about $125k in home equity that I was thinking about a HELOC. Is a HELOC worth it to consolidate/eliminate this…

Reddit Personal Finance 454 2023-10-15

30k inheritance: pay down debt or save?

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30k inheritance: pay down debt or save? Not sure what to do with 30k inheritance (Yes, I’ve read the Windfall part of the wiki but I was hoping for some specific advice about this not-life changing amount.) TLDR: What would you do with a modest family inheritance: save for something meaningful and invest in the meantime, or use it to pay off debt? I came into 30k after my grandpa pass…

Reddit Personal Finance 217 2023-10-06

Lennar new house 30k incentives with restrictions need advice

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Lennar new house 30k incentives with restrictions need advice Lennar new house providing 30k towards closing and point buy down(10k closing and 20k for interest buydown) I am a First time home buyer putting 20 percent down.(remaining loan is around 500k) Have 10k worth of upgrades, should i add 10k towards loan? They first said you can use incentives towards HOA (not a option anymore, forcing to buy point…

Reddit Personal Finance 159 2023-09-01

Is graduate school worth it? 31yo, little to none in retirement, $30k+ in student loan debt.

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Is graduate school worth it? 31yo, little to none in retirement, $30k+ in student loan debt. I want to get my masters in data science and public policy, but I am worried that in the end, I will doom myself in regards to retirement. I’m 31 and only have $5k saved up for retirement. I’ve worked and supported myself throughout my 20’s. I’ve experienced on and off homelessness and unemployment. I’ve had periods where either I have low but c…

Reddit Personal Finance 295 2023-08-19

32k in CC debt, 30k in student loans. I’m making the most I ever have, but how do I get out of the hole?

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32k in CC debt, 30k in student loans. I’m making the most I ever have, but how do I get out of the hole? Trying to put my life together this week, and I’m floored at where I’m at. I’ve doubled my salary over the last three years, and in the meantime have dug myself into such a deep hole I’m struggling to wrap my head around climbing out of it. This link is my financial situation as it stands today. Any review of my budgeting would be appreciated t…

Reddit Personal Finance 182 2023-08-17

What do I do with 30k from my grandmas will

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What do I do with 30k from my grandmas will I recently got a good chunk of money from my grandmas will. I have never invested or know anything at all about stocks, interest, etc. I want to put it somewhere where I don’t have to keep a close eye on it, and know my money is safe but also growing over time. If anyone has advice it would be appreciated. submitted by /u/aubsxx …

Reddit Personal Finance 206 2023-08-15

30K from lawsuit .. not touching it where should I put it?

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30K from lawsuit .. not touching it where should I put it? I’ve seen posts like this before and figured I’d try it out. Couple people from work and family have given me some suggestions but was looking for suggestions from people that know what they’re talking about lol. Just sitting in my account, don’t need it for AT LEAST 2 years minimum. Thanks a lot for your help! submitted by /u/jiggledeez …

Reddit Personal Finance 281 2023-08-14