NFTs, cheap gin and scratchers.
Real answer: pay off my car as fast as possible and throw the rest in savings
Stop budgetting
Soon it’d feel then as if you live as before.
I would buy more money. 🤓
Edit: No, Iym nut spootid.
Retire
Save. Or, hey, if I stay unemployed for long I’ll end up using it to pay bills.
Pay off my shit and actually feel financially comfortable for once
Yea. Though, TBH, given many things I’ve seen, I’m not really sure how bad it is to just … eventually… not pay off the debts.(In the US) Like, yes, it’ll hurt your credit - but even bankruptcy clears out in 7-10 years from what I understand. Just not paying off some credit cards?
So, if you’re young enough, that might well not be a big deal, you can wait it out being poor just like you are now. If you’re old enough, you probably don’t care - one hopes you’re not looking for a big loan at 80. And I also wonder - you know - on unsecured debt anyway - what is going to happen? I suppose if your total is high enough they might garnish your wages. But OTOH, many times it’s just avoiding debt collectors, which usually is just not reading that mail, and not answering unknown phone numbers. You know - daily life in 2023.
I’m not going to suggest you default on your debts (unless it’s in the context of dying without anything in your estate to go after), but I know of plenty of people who manage to go through life for decades basically paying very small amounts to keep foreclosure and tax auctions away, and otherwise just don’t pay bills. The downside is they can’t get loans, and don’t have spare money - but it depends on where you are currently too - maybe that’s just current life anyway.
Ask about this on [email protected]
Save it.
10% spending save rest
Buy a newer car and increase my 401k contribution. Maybe I could retire a couple of years earlier than I plan to.
10k in dental work needed. 2k in car repairs needed. Whole wardrobe of 10yo clothes desperately needs replacing.
Probably 50% on the car and 50% on new clothes
a good set of clothes would be the first thing.
I kinda make that extra 1000 a month. I am a disabled vet and pretty much get UBI for the rest of my life, and I gotta saaaay it’s pretty nice. Definitely lowers stress in a huge way. No matter what, mortgage is always paid. I really wish this could be a thing for everyone. Or, you know, businesses would be forced to pay workers a minimum wage based on profits or something, I don’t know.
Save and buy a home. I’m tired of paying fat fucks to live under a roof
So for like 600 months. That’s 50 years for a decent house. When 50 years roll around, it’ll be far more than that so you’ll have to keep saving but you’ll never get there.
Eh, you can find some decent ones in my country for about 150K, which is about 12 and a half years. But tbh yeah, the current housing market is just sad.
Do y’all not have house loans where you are?
We do, but this is not the 2000s.
Quit my job and find a place where I can live off 1000 a month
You still need food, clothes, Internet etc
I’ve traveled on far less than a 1000 eur a month. With that kind of money, I can still save up.
The place I’m going, I only need food
Quit my job and live in the place I am.
