#afford

Should I move/Can I afford rent?

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Should I move/Can I afford rent? Hey! So my roommate told me the second week of January she’s moving out. I’m now stuck paying rent alone with a month notice. $900 a month plus gas and electric (around $200+ a month). I make about $700 a week sometimes more if I work overtime. I don’t have a car payment but my car insurance is about $250 a month since I got in an accident. Do y…

Reddit Personal Finance 941 2025-02-18

LPT: if you’re an uninsured American and you find yourself in the Emergency Room or admitted overnight – tell them you can’t afford the bill and ask to speak to the hospital social worker about applying for Medicare/medicaid

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LPT: if you’re an uninsured American and you find yourself in the Emergency Room or admitted overnight – tell them you can’t afford the bill and ask to speak to the hospital social worker about applying for Medicare/medicaid I’ve left the emergency room with a new insurance card printed out for me before. The hospital wants their money, it is in their best interest that you are insured. They seem to be able to push an application thru a lot faster than applying online or in a welfare office and waiting for an interview. I’ve not been asked to prove my finances any o…

Life Pro Tips 1.2k 2025-02-14

Can we afford this mortgage? always a difficult decision

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Can we afford this mortgage? always a difficult decision We purchased a home after selling our starter home because we desperately needed more space with one child and another one on the way. We moved from a more expensive state to a cheaper state but currently make $125k net take home combined, and our mortgage is $2800. Would love some advice on percentages on this and if this is reasonable, we obvi…

Reddit Personal Finance 1.2k 2025-02-12

Mom’s medical bill in 5 figures. Cannot afford it. What are my options?

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Mom’s medical bill in 5 figures. Cannot afford it. What are my options? My mother got admited into an ER/hospital for over a week due to viral infection. She’s getting discharged in the next coming days. I did some digging around and the hospital bill will be in mid-upper 5 figures. For context, my monther is a greencard holder while I’m a US citizen. She does not have insurance, life saving, retirement plan, etc. I…

Reddit Personal Finance 1.2k 2025-02-11

I’ve maxed out 3/4 credit cards, have 2 loans and I can’t afford my payments.

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I’ve maxed out 3/4 credit cards, have 2 loans and I can’t afford my payments. I made dumb decisions knowingly one day I would have to pay the price, and the day has finally come. I really want to go back to school for culinary arts, and I don’t qualify for federal aid since I make too much apparently. I want a practical strategy to pay off as much as I can but my minimum payments for all cards are over $100 a month… (Cont…

Reddit Personal Finance 591 2025-02-06

Can I afford to build a home?

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Can I afford to build a home? Hi all, thanks in advance for your time and any feedback/advice or general comments. I am 34 and just had my first baby with my fiancé, soon to be wife. We currently live in a growing suburb area in a hcol city in the southeast US but want to move further out toward the rural part of our state and build a home but am having trouble determining …

Reddit Personal Finance 479 2025-01-28

Can I afford this payment?

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Can I afford this payment? I am usually against having a vehicle payment. I’m 27 and have yet to have one. But my father recently passed away and I am wanting to buy his truck off of my mom. It’s a 2021 Tacoma worth about 28k. I grossed 60k last year. My current take home pay is around $3200 a month (Give or take because I earn commission) Here is a list of my expenses. …

Reddit Personal Finance 930 2025-01-28

how did you afford to go to school while also paying bills?

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how did you afford to go to school while also paying bills? I’m 20(M) currently going back to school for finance and seeing if it’s the best decision. I currently have about $10k CC debt and working around 36 hours a week but if I go back to school, I’ll be working way less. If I work less I won’t be able to afford my bills such as rent, car, etc. Should I take out a personal loan to pay off that debt or…

Reddit Personal Finance 1.0k 2025-01-14

Can I afford a home in San Diego?

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Can I afford a home in San Diego? Hi all, I’m born and raised in Southern California (SD). While I’ve also lived/worked in two other states, I moved home a couple years ago as my mothers health took a turn and she needs me nearby now as she is in a wheelchair and dad can’t help her all the time due to his own physical limitations/issues. Being back here has made me realize that …

Reddit Personal Finance 558 2025-01-13

Want to move out but my mother cannot afford living on her own

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Want to move out but my mother cannot afford living on her own I (28m) want to move out with my brother (24m) into an apartment together. We can afford a 2 bedroom apartment even though would be more expensive than our current living situation. But being 28, I’m reaching a point where I can hardly stand living with my mother anymore. She is a great mom and always has been, but I find myself getting very fru…

Reddit Personal Finance 750 2025-01-08

FSA – If you can afford to, I would recommend paying for medical expenses with a credit card and reimbursing later vs. using the FSA debit card.

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FSA – If you can afford to, I would recommend paying for medical expenses with a credit card and reimbursing later vs. using the FSA debit card. If you pay with your credit card, you get the rewards. You should only do this if you can pay it off when it’s due and not carry the balance. If you’re doing a bunch of small purchases at a pharmacy, it can be a pain to do the reimbursement, but if you have one or two larger expenses, it might be worth the effort. Another edge case to consider i…

Reddit Personal Finance 379 2025-01-03

Struggling with figuring how I’m going to get my own place and afford to live as a single dad and support my son the best I can later in life.

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Struggling with figuring how I’m going to get my own place and afford to live as a single dad and support my son the best I can later in life. Hi, I’m 30, a single dad to a nearly 2-year-old son who I see every other weekend and on some holidays. I’m trying to get more time with him, but it’s been a struggle. I currently live with my parents and one sibling who has a disability, while my two older siblings have moved out with friends a long time ago. I have dyspraxia, autism, and CDA T…

Reddit Personal Finance 359 2025-01-02

How much home can we afford? KANSAS

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How much home can we afford? KANSAS Me and fiancé make a combined income of 140,000. Combined 35K in the bank. Current debts: student loans and car totaling 1400. Pre approval for a 6.375 interest rate (~780 to 800 credit scores, we will be co signing.) Currently own a home and should net about 45K after closing from selling (it doesn’t rent high enough to keep it.) we would like …

Reddit Personal Finance 1.2k 2024-12-22

Can I afford a car with my salary and expenses?

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Can I afford a car with my salary and expenses? Hi! I’m just asking for opinions or advice because I would love to have a car next year. I’m 26 and also a first time driver in the US (California) I work full time and make $21 an hour. I currently have $300 in my account as I just paid $3280 for school. Here is a breakdown down of my monthly expenses next year: Rent: $800 School: $500 Loan: $…

Reddit Personal Finance 637 2024-12-21

Inherited a house I can’t afford

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Inherited a house I can’t afford I need advice, I live in California and my mother in law passed away. My wife inherited her home and yes my wife’s name is on the will. The house my mother in law left us is too expensive. Payment alone is $5,200 and I haven’t checked how much the taxes are.. no way we can afford that . She still owes $710,000 on it . The house has no equity If…

Reddit Personal Finance 796 2024-12-19

LPT in the USA: If you call your car insurance company and tell them that you can’t afford them, you can possibly get a discount.

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LPT in the USA: If you call your car insurance company and tell them that you can’t afford them, you can possibly get a discount. I called my car insurance company the other day, because this is America 2024 and I need to save every penny that I can. I told them that I couldn’t afford them anymore, and needed to cancel for someone else or get a discount. I got a $20 a month discount on my policy for the same coverage, and was off of the phone in about 10 minutes. Not a hug…

Life Pro Tips 439 2024-12-19

Can’t afford to buy home as well as retirement?

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Can’t afford to buy home as well as retirement? I’ve always wanted to own a home but prices have gone up and up. Unfortunately I only make about $60-70k a year and at 35, I only have $7k in my IRA as I only started it last year. I have the rest in savings for down payment, but I don’t think I can realistically afford to buy a home and still have enough to ever retire. Isn’t it true that even …

Reddit Personal Finance 1.1k 2024-12-11