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How much debt do you have including mortgage etc..

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  • corinasue1143corinasue1143 Posts: 2,296Member Member Posts: 2,296Member Member
    House and car paid.
    Gas, electric, water=about 200/mo. Phone, internet = 100. No cable by choice. Car gas, food, clothing =all on one credit card, paid each month = 4-500/ mo except Christmas=8-1000, pocket money=300/mo. Annual bills=car insurance, house insurance, house taxes, etc = 4000/yr.
    Gym membership=$10/mo.
  • corinasue1143corinasue1143 Posts: 2,296Member Member Posts: 2,296Member Member
  • mattig89chmattig89ch Posts: 1,737Member Member Posts: 1,737Member Member
    I have more in debt, then I do years on this earth. Though not by much.

    I live with my parents, have a single car, and I live in the 3rd most expensive place in the continental USA. I don't even have a large enough nest-egg, to live on if I lost my job tomorrow. NY sucks folks, plain and simple.
  • kevinflemming1982kevinflemming1982 Posts: 159Member Member Posts: 159Member Member
    Financially, none. But what I owe through being helped-out by my housemate, quite a lot.
  • mattig89chmattig89ch Posts: 1,737Member Member Posts: 1,737Member Member
    bojack5 wrote: »
    mattig89ch wrote: »
    I have more in debt, then I do years on this earth. Though not by much.

    I live with my parents, have a single car, and I live in the 3rd most expensive place in the continental USA. I don't even have a large enough nest-egg, to live on if I lost my job tomorrow. NY sucks folks, plain and simple.

    I do agree NY is a crazy expensive to live.....but its also a place that pays crazy good too....

    not in my experience.
  • tinkerhellraisertinkerhellraiser Posts: 4,197Member Member Posts: 4,197Member Member
    Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K

    You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.

    Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.

    just hold onto your debt long enough for inflation to make amount to nothing and you are gold
  • mattig89chmattig89ch Posts: 1,737Member Member Posts: 1,737Member Member
    bojack5 wrote: »
    mattig89ch wrote: »
    bojack5 wrote: »
    mattig89ch wrote: »
    I have more in debt, then I do years on this earth. Though not by much.

    I live with my parents, have a single car, and I live in the 3rd most expensive place in the continental USA. I don't even have a large enough nest-egg, to live on if I lost my job tomorrow. NY sucks folks, plain and simple.

    I do agree NY is a crazy expensive to live.....but its also a place that pays crazy good too....

    not in my experience.

    Fair enough.....i have no idea what you do for work, and everyone has a different experience. However, i will say the construction trades, especially the unions pay incredibly well, i have a few friends in the FDNY that all make 6 figures, i train a few teachers that make great salaries, and my own experience has been one of being able to move out of the projects in the Bronx and become a fairly successful businessman. I believe im quite a bit older than you and i didnt find my financial groove until my 30's.......so im hoping that you find that groove as well someday soon :)

    I work in IT. There's such a huge pool of trained professionals here, they can pay pennies on the dollar for us. Though I will say, my dads in the union for cabinet makers. We can barely afford to keep the roof over our heads.
    mike_rom wrote: »
    I'm surprised anybody is on here actually answering :laugh: especially those who actually have a lot of debt.

    I don't have debt other than my mortgage, but shouldn't some things stay personal?

    They key is to be vauge. Notice my answer didn't actually give any numbers.
    edited July 23
  • cwolfman13cwolfman13 Posts: 36,790Member Member Posts: 36,790Member Member
    mortgage and a small car payment. IMO, a mortgage is entirely worth it as you are acquiring an asset that will appreciate. The car is a necessity...I spend a lot of time in my car driving around 20,000 miles per year...need something both reliable and comfortable and enjoyable to drive. We use our CC for just about everything, but we pay it off every month...no CC debt.
  • Ketch_22Ketch_22 Posts: 1,204Member Member Posts: 1,204Member Member
    mattig89ch wrote: »
    I have more in debt, then I do years on this earth. Though not by much.

    I live with my parents, have a single car, and I live in the 3rd most expensive place in the continental USA. I don't even have a large enough nest-egg, to live on if I lost my job tomorrow. NY sucks folks, plain and simple.

    What do you do? if I can ask that, oops I just read your answer. I too was in IT in NYC (lived in NJ). IT is def vague. A person could be a print room jockey and still be "in IT". NY is one of the highest paid for IT. NJ has even higher property tax than NY so I left. Retired at 30 and living the dream in Maryland ;) house prices on my street are 600k so theres that
    edited July 23
  • BasedGawd412BasedGawd412 Posts: 325Member Member Posts: 325Member Member
    Debt
    Chase credit card $8000
    2015 Kia Forte $9500
    2012 Kia Sorento $9500

    I got my credit rating from a score of 600 something to 755. I did have zero credit card debt at the beginning of the year but I took a vacation and work slowed down immensely right after.


    Rent $550
    Electric $35 a month
    Gas $30 a month
    Water $50 a month (my landlord gets the bill, I'm sure he is cheating me)
    2015 Kia forte that's totaled $415 a month, 3 years left
    2012 Kia Sorento $223 a month, 4 years left
    Car Insurance $180
    Monthly subscriptions $200 a month
    Gas for vehicle $200 to $300 a month
    Food $400 to $600 a month

    I live in Pittsburgh Pennsylvania which is cheap to live plus I travel for a living so I'm hardly home which is why my utilities are low.

    I did buy two houses before, first one was 37,500 and second was 39,000. Each 3 bedrooms 2 bath and werent even fixer uppers.

    edited July 23
  • caco_ethescaco_ethes Posts: 11,693Member Member Posts: 11,693Member Member
    Rent $550
    Electric $35 a month
    Gas $30 a month
    Water $50 a month (my landlord gets the bill, I'm sure he is cheating me)
    2015 Kia forte that's totaled $415 a month, 3 years left
    2012 Kia Sorento $223 a month, 4 years left
    Gas for vehicle $200 to $300 a month
    Food $400 to $600 a month

    I live in Pittsburgh Pennsylvania which is cheap to live plus I travel for a living so I'm hardly home which is why my utilities are low.

    I did buy two houses before, first one was 37,500 and second was 39,000. Each 3 bedrooms 2 bath and werent even fixer uppers.

    Our water bill has a base fee of $27 and is $4/1000 gals after that. If yours is similar then $50 might not be unrealistic

    Unless you travel all month 😁
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