How would you go about paying off 33K debt, making 45K a year 23 years old and haven’t really made a budget before. Was looking to job hop to hopefully increase what I earn but it’s what I’m working with for now. Open to any suggestions to paying off my debt as quick as possible. My girlfriends job pays outstandingly better and she’s mainly been using it to create an emergency fund but she’d also like to …

Bonus + Tax Return = $45k. Really unsure how to spend/invest Apologies, some of this is almost going to belong in r/relationships Between my tax return, and my annual bonus, I’m going to have $45k and I am really unsure how to spend it. A little background on our finances: Emergency fund has over a year of my base salary $0 credit card debt $430k mortgage at 2.9% $30k in student loans at some astronomica…

Am I crazy for wanting to stick with my 45k a year comfy job and not pursue anything more right now? Don’t want to disclose any identifying information, but here is the deal – Currently working in customer service in a great job. Coworkers are awesome. I have a set schedule of 4 days a week, 10 hour days that works really well for me. I get 7 paid holidays and a floating holiday, in addition to 1.5x holiday pay on top of the flat holiday pay i…

As someone making $45k a year, would it be more realistic for me to save up enough to put down for an apartment than for a house? I live in the city limits of Pittsburgh, am 27 about to turn 28 and still live with my parents Even if I got a promotion at my current job (IT for a big law firm), I’ve looked at the listings for houses in my area. And the ones I could just be able to afford are in pretty shady neighborhoods. Even the condos listed are in areas I wouldn’t ventur…

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Bitcoin Breakout Toward $45K ‘Imminent’ Says Matrixport Polygon’s MATIC and Chainlink’s LINK led altcoin gains Wednesday afternoon.

25 Years Old. Live at home with no bills whatsoever. Make around $45k. Really want to move out. Do I move out and rent? Or continue to save for house? Could use some advice: I’m 25 years old and still live at home. My parents are well-off and I’m blessed that they do not charge me anything to stay here, and genuinely encourage me to stay here because I’m not a bother/help around the house. However, I really want to move out and be on my own, just to fully become an adult and be independent. I …

Is this job still worth it? 45k -> 61k So the benefits are the same except the 45k one offers 401k 100% match up to 1% then 50% match up to 6% The 61k job doesn’t have a retirement plan yet but has the same benefits otherwise. I’m 28 with 3000$ in retirement, I’m pretty bummed because I wanted to really start investing in retirement. If I do take this job what are my options? Is it w…

28yo 45k CC Debt & taxes Hi Reddit I wanted to seek your advice about my current debt situation. I need to get my life right. Backstory: I moved out of NYC during covid 2020 and neglected my financial responsibilities. During this time I did not work & have no work history. In this time I have default on three cards. Credit card 1: $45k chase reserve card Credit card …

I have 45k in credit card debt and am unsure what to do. Should I look into bankruptcy? Or just put everything I can into paying them off? The debt came from irresponsible spending, a rough break up and change in life circumstances, and vet bills. At this point, I’m holding myself to a fairly strict budget but any advice is appreciated. I currently make 83k/year – roughly $4500 take home pay monthly. My total monthly expenses including rent are about $2500. I don’t own a home and …

Making “45k” and still feel broke. How do I do better? I started a new 8:30-5 job about 4 months ago and my bi-weekly paycheck is around $1,300, so that’s about $31,200 after taxes and health insurance. Monthly expenses breakdown: Rent: $714 Private student loans: $488 Car: $264 Car insurance: $104 Phone: $84 Credit card: $65 Savings: $30 Utilities: covered because I help my partner clean office bui…