First Job - Registered Nurse
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Thread created 06-26-2013 by MILOBRI
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40 Replies
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your debt is about $41k. fortunately, you (as a hospital RN), enjoy easy access to gobs of oxys. so sell around 1,640 tabs (30mg) for $25 a pop. then you're debt free.
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
Actually the funny thing is, if you carried a balance every month and made at least your minimum payments on your cards then your credit score is actually going to be doing quite well.
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
Here's a site where you can plug in your income and play around with deductions, etc.
http://www.cpadirectory.com/cpaclientcenter/calcs/payroll.html
Since you have a new job and your income has...
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
Sorry if I came across harsh, living poor is relative. Compared to people in most foreign countries you are living like a king. I certainly understand not wanting 3 kids to share a bedroom, but...
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
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40 Replies
3,365 Views
What should I claim for withholdings? It is myself, my husband, and 3 sons (2, 4, and 6). We do get a sizeable refund each year, so this is something I can look into modifying. In the meantime,...
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
Tax Refund? If you a getting a substantial refund you are giving the government a tax free loan every year. Adjust your holdings so that you don't hand the government free money and then have them...
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
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40 Replies
3,365 Views
Thanks for all of the tips! It's very helpful to be aware of these debt-reduction strategies. I think we'll also use a portion of our tax refund next year to help eliminate them faster.
We've...
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
FYI, Dave Ramsey is a debt-hating prick that's famous for some of his books and unusual philosophies.
But yeah, your plan you just descibed is pretty much what I remember how Dave Ramsey described...
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
It depends what kind of person you are. If you can stick to paying off the highest balance highest interest debt first go for it. If you need to see progress to keep you motivated by seeing debts...
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
Paying off the lowest can help you reduce the burden of keeping tracks of all different loans.
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
why would you not pay down the highest percentage first??
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
What the hell is ramsey? I call it just pay it off plan.
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
The Ramsey plan, sigh.
If you can afford to put $500 per month towards your cards attack the highest debt first since it has the highest interest rate, say that you put $400 to it and $50 each to...
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
The job is going really well! There is so much to do and learn but I really like it! I also just accepted an ER job offer at another hospital...so I'll do both starting the middle of...
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
As I said above, not an rn but have many friends that are. What you are not seeing is that the market for jobs above rn level are growing too. A rn can get bachelors online in 2 years and then finish...
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
You're not considering location. 12 an hour is 24 a year. In my county, MEDIAN household income is 36 and you can have a good life if you keep to a budget. In CA that is slave wage but not in many...
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
To those wondering, the salary in California is usually closer to $35 an hour. I believe most are also unionized there.
Some places in the south the pay is less than $20 per hour. I started out...
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
So how is the job? I actually went back to school and did all the pre reqs for nursing, but I got scared off by all the nurses telling me how physically/mentally stressful it is....and others saying...
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
Your husband needs to find a better job or something that has benefits that could help you. Not sure where you live but 12.00/hr is basic unskilled wages.
go to credit karma to see how others see...
First Job - Registered Nurse
Expired
Thread created 06-26-2013 by MILOBRI
+1 Score
40 Replies
3,365 Views
You have 3 young children and your husband doesn't really make a huge amount of money. Something like $500k minimum seems appropriate. There are calculators online for you to make a decision.
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