Question

Getting married this year and trying to get a budget going for both so I can up my credit score . we just sold a place and built a ace and I been making it paycheck to paycheck . Friday I got told I be getting a raise and also . I cant wait to get ahead so I can actually budget . I cut all my unneeded expenses spotify , dropbox, but having hard time with Amazon prim and Netflix , I'm only 27 but have gained a was 14 going to be 16 year old who watches it mainly and she dont have her phone . I dont want to but I dont really watch and also amzone prime is it worth it ? I only owe 5K wich is 527 a month on my 25, 000 truck and I have to get my care credit bill down . but 1000 on it for her braces. also my insurance is 233 right now hope to be getting that down the knocked me on points for not having insurance with a plated vehicle even thought it wasnt drivalbel with transmission out. I'm spending about 100- 150 a week in groceries also included hoise nescities but would like to coupon .  

Answer 1

So what is your question exactly? Start with the budget by paycheck method. Try to payoff the care credit, and get the credit card below 30% balance based on the limit. Those 2 things will help your score the most. Order a free copy of your credit report so you know what it is and the score reasons. Good luck  

Comments

@saboteur just was stating my predicament and wanting opinions

Answer 2

I don’t know what your interest is on care credit. But I had one and was paying it off consistently for 3 years I originally owed 750$ and after 3 years i owed $1500 and that’s with payments made and no more money put on it. I would definitely focus on that first and then tackle the rest. And of course make sure you have an EF.  

Comments

@khufu3538 I'm trying so hard

Answer 3

Turn in the tags on the vehicle that you can't use, and get a car cover for it. That should refund your registration on it (which could go to debt), they can't lift the cover, you shouldn't have to pay property taxes on it to the full amount, and you could drop it from your insurance again. Keep Amazon Prime or Netflix, but not both. The monthly is about the same, and they both show a ton of options movie and TV show wise. The biggest difference is Amazon also offers books, movies, shipping, and purchasable streaming content. Just make sure not to subscribe to a paid channel.  

Comments

@carminecarmita thank you so much:)

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The only problem is I drive it now that it was fixed but it was down all winter