Call your credit union and ask them to mail the tittle. Mine forgot.

Under step 4(c), put in as high a number as you feel comfortable in your budget.

For various reasons we have money at both and also Vanguard. We prefer Schwab's website and customer service.

Most states you take that letter to the local DMV and transfer the title to have the lien holder removed.

You can request a hardship withdrawal for medical expenses from your 401k. Just learned this

It really depends on what your W-4 filing is because they work in tandem.

[removed]

Sounds like things will be a little tight, but doable, in the short term. Longer term once your gf gets an income things should be more flexible. Or if you get a promotion/raise.

Escalate to the next level manager. Here's a script that might help:

Hi, When I try to log in the web site says my account is disable and to contact you. I have tried this multiple times since November and my account is still locked and I have not received any call backs or letters any time I have contacted you.

Can you help me or escalate me to the next level to fix this issue?

If they say "we'll call you in 3 days", request a higher level supervisor and try not to take "no" as an answer.

Let them try to see what the problem is, later on in the call, perhaps confirm the address / phone number / email address they have for your account.

If you have to wait for a 3 day call again for some reason, get a name from the person and a call id for this support call or something, and then in 3 days calls back with that additional information and say "I've tried again and they were not able to help me, please escalate this"

Good luck.

I wonder if they have an old phone number and postal address for you.

You need to budget to have money set aside for unexpected repairs too.

After utilities your mortgage would be around half of your take-home pay. It will be tight.

[removed]

Make sure to buy the house 100% in your name only. Deed, mortgage, insurance, all the utilities - your name only.

Anyone else living in the house should have a regular lease. They're a tenant. No ownership at all.

If you get married sometime in the future, everything changes and you'll own it 50/50.

Paying yourself now and letting that compound over decades will pay off in dividends when you are sore and old and want to retire at 50.

You may find these links helpful:

• Leaving a Job (resigning, quitting, fired, laid off, etc.)
• Job Loss Megathread: unemployment resources, state-specific information, and help

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

Welcome to /r/personalfinance! Comments will be removed if they are political, medical advice, or unhelpful (subreddit rules). Our moderation team encourages respectful discussion.

You may find our Health Insurance wiki helpful.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

You may find these links helpful:

• Credit Building
• Credit Reports
• Credit Scores
• Credit Cards

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

I save about $1700-2000 a month pretty much. I’m also trying to figure out if buying a home will make it so i can’t buy anything else for myself or go on any vacations again. I want to make sure I’m not burning myself

And how much of that ~$3,500/month were you saving every month? If less than $1,500, what cuts would you make to your budget to be able to afford the mortgage payment?

I have been calling them since last November it was 7 times but get nothin. @@

Thank you. I feel very lost.

I have been called them 7’times already. But still get nothing .@@

Yeah I meant mortgage payment sorry! The $1500 a Month would include property taxes, mortgage payment, and home insurance. Utilities will be extra ontop of that.

After putting some money in retirement and get taxed every two weeks I bring home about $1600

Maybe I just completely whiffed my search parameters then, cause last time I checked it was outrageous the difference. Thank you for your input!

I just went on Autotrader and used an Atlanta zip code and a 200 mile range and there’s plenty of cars in that range with average yearly mileage for less than 23K

A $200,000 house is pretty reasonable considering your income. You are able to put 20% down and not even use half of your savings. That's better than most people.

How does $1,500 in "rent" (I assume you mean mortgage payment) fit into your overall budget? Are you including property tax in that number? Will you still be able to save 15% towards retirement with that payment? How much will be left over for other savings?