I'll be completely honest and apologize for sounding vain, but no. My haircut requires a barber due to the cut and fades.

you should be able to pay for AAA all at once instead of monthly, but i guess it depends on what plan you have. and i would get rid if any streaming service unless youre really passionate about one in particular. you can find almost every single movie and episode online for free by typing in the title of it then adding “watch online free” after it. just download the adblock extension and youll have no problems

Groceries are high. How much is people vs dog?

Not only that, but your rent might increase mysteriously next cycle when your landlord realizes you’re living well below your means

Can wife cut your hair?

I tried this with previous landlords, looking for a discount, no one took it or expressed interest. They all looked at me as if I was crazy.

Alternative is you open something like a Fidelity CMA. You put a year of rent into it. You can buy yourself into SPRXX or similar money market fund. It will count as cash and be auto liquidated to cover checks. You have online bill payment automated to mail a check on your behalf every month to landlord. No need to get a debit card. No need to order paper checks.

4+% interest

You may find these links helpful:

• "How to handle $"
• Investing

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Go through one of the W4 calculators first, which will tell you what to put on his form and what to put on your form. Then submit each updated form through each of your places of employment.

W-4 Calculator options:

• https://apps.irs.gov/app/tax-withholding-estimator

• https://www.hrblock.com/w-4-calculator/

• https://turbotax.intuit.com/tax-tools/calculators/w4/

Making a plan for every dollar and executing it. I appreciate the feedback, truly!

Where do you fill it out? At your place of employment?

Yeah. There's an excitement to creating a budget, the prospect of financial independence from high-interest debt. A honeymoon period if you will. It fades fast and the reality of adhering to it will hit hard. For some people it's a couple of weeks later, for some it's a few months. It almost always hits though.

Knowing it's in the budget makes it a choice not of whether to follow the budget, but how best to allocate that part of the budget.

Currently working the snowball method. I understand this is mathematically incorrect, but it's my habits that got me into debt. So far I've got 2 paid off in January so it's working for me.

I assume it isn’t a hysa, but the original context of the comment was “putting the money in a savings account” and this return was being directly compared to HYSA returns. So yeah, maybe a brokerage account is averaging better, but that would be an odd thing to bring into that conversation.

The point, however, is that you cannot just look at yield and say it is all the same - risk based return colors raw yield numbers.

Edit: Also - this is specifically referencing cash equivalent investments, which further colors that return as unusually high in the context of comparison to a 3.3% U.S. HYSA yield.

Hence I said they may make her refinance..

Thank you everybody for your advice I will keep you updated.

Investigate if you can consolidate some of the high interest debt. You may be able to get a lower interest rate which will make paying it down easier.

> You said KBB goes as high as 22k

Actually, OP said new it was 22k. They said they owe 18k and the KBB value is 15k.

Shaving a decade off a your mortgage is no small achievement. Be Proud!

>Incorrect, you just need to pay the difference.

Which is what this whole comment chain is saying. If you sell the car for less than you owe than you have to come up with the difference out of pocket so that you can pay the loan in full and transfer ownership to the new owner.

You aren't adding to the conversation, you are correcting people that are correct and you are trying to say the same thing they said but you are doing it in a more confusing manner.

Not correct. An unmarried partner has no right to assume a loan. The bank may allow it, but they are not legally obligated to do so.

Depends what you have going on in life. Similar position to you: 32, no debt, renting, matching 401k, depositing in Roth/HSA. The good news is neither option is a bad one!

I was in a similar position once and decided to pay off my car in full 3 years ago because I hated the idea of debt. Similar rate to yours. Once the car was paid off, there was a sense of peace of mind, but the repairs still came, the tires still needed replacing, so on and so forth. All I did was contribute more to savings/investing. Sure it's always nice to see my net worth go up, but if you've got the fundamentals in place, it should always be going up anyways. It gave me more peace of mind, sure, but it didn't make me happier so to speak.

As long as you have your foundations in place, which it seems like you do, you have options, which is everything. I actually financed a car (my dream car), 6 months ago at an attractive rate with a monthly payment safely in my budget. I could pay it off tomorrow, but this time I will be taking a different approach and leveraging the low cost of debt and take my chance in the market.

If I were you, I'd boost that savings to at least 15k before changing anything you're doing. Account for your trips and save a portion monthly for them, then use the extra towards the car if you feel like it. Having a good rate doesn't mean much if you don't use it!

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I'm kind of pushing it with the haircut at once a month. I work in a professional setting so I need to stay groomed. As for the subscription, yes I can likely do with holding on for a few months.

No.