What do you do IRL? (career/school/passion)
- Thread starter Bepo
- Start date
Yeah but after college I'll have to look for a full time job unless I choose to further my education...
Plus I'll be off the insurance in just a few years
It's inevitable. This is the next phase of my life
Not that I'm depressed or anything about it. I'm excited and scared at the same time
Plus I'll be off the insurance in just a few years
It's inevitable. This is the next phase of my life
Not that I'm depressed or anything about it. I'm excited and scared at the same time
Yeah but after college I'll have to look for a full time job unless I choose to further my education...
Plus I'll be off the insurance in just a few years
It's inevitable. This is the next phase of my life
Not that I'm depressed or anything about it. I'm excited and scared at the same time
Plus I'll be off the insurance in just a few years
It's inevitable. This is the next phase of my life
Not that I'm depressed or anything about it. I'm excited and scared at the same time
Ty for the advice/support itβs something Iβve been thinking about for a while
Managing money should be easy enough since Iβve never been a big spender though Iβve never had to take care of all of my bills myself
I know credit is important and itβs something you should keep high/focus on building but there are so many different methods that Iβm hearing about that it gets to be a little much
Impossible to tell which one is right and which one is a scam
Managing money should be easy enough since Iβve never been a big spender though Iβve never had to take care of all of my bills myself
I know credit is important and itβs something you should keep high/focus on building but there are so many different methods that Iβm hearing about that it gets to be a little much
Impossible to tell which one is right and which one is a scam
I just use my credit card for everything I would ordinarily use your debit card on, and then I pay my credit card with the money I would've used if I used my debit. I gave this advice to my brother, and he shot up from no credit to 720+ credit in a few months. Alternatively, just use up a good percentage of your credit, and then pay it off every month.
Also, look into getting a roommate to adjust into living out there. Or live with your parents and take on a few bills. Either one works. I lived with my parents through undergrad and post grad, but I could've gotten roommates just as well. I was just comfortable with my parents.
Also, look into getting a roommate to adjust into living out there. Or live with your parents and take on a few bills. Either one works. I lived with my parents through undergrad and post grad, but I could've gotten roommates just as well. I was just comfortable with my parents.
For money management, just subtract your monthly expense(mandatory things like rent, insurance, phone etc) from your monthly income. Whatever leftover is your true monthly income/budget. From that budget, you have to decide what percentage of it can you put into your savings that you'll never touch except for emergencies.
As for credit, it's probably the #1 way of life killer in the world. When you hear someone is drowing in debt, most of time is from bank loans through ther credit. Do NOT fall for the trap of thinking bank loans is free money: it is not.
As @jinri already said, the trick is to use a good percentage of your credit, and pay back all of it to build your credit. A good trick when your credit limit is low however, is to pay back most of what you spend instead of all of it. The bank makes their money with interest payments and if you let some debt carry over, it'll let them now that not only will you pay them back their money, they can make some more money off of you with interest which can greatly increase your credit limit when the last term is over. Basically, with a low credit limit, leave 10 to 30% of what you owe unpaid and allow to carry over to the next month. Interest isn't an issue since the payment is so little due to your small credit score. My score increased 80+ points to 700+ in just 5 months that way when my credit limit was small.
As for credit, it's probably the #1 way of life killer in the world. When you hear someone is drowing in debt, most of time is from bank loans through ther credit. Do NOT fall for the trap of thinking bank loans is free money: it is not.
As @jinri already said, the trick is to use a good percentage of your credit, and pay back all of it to build your credit. A good trick when your credit limit is low however, is to pay back most of what you spend instead of all of it. The bank makes their money with interest payments and if you let some debt carry over, it'll let them now that not only will you pay them back their money, they can make some more money off of you with interest which can greatly increase your credit limit when the last term is over. Basically, with a low credit limit, leave 10 to 30% of what you owe unpaid and allow to carry over to the next month. Interest isn't an issue since the payment is so little due to your small credit score. My score increased 80+ points to 700+ in just 5 months that way when my credit limit was small.
