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JPF_
 
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Need help with budgeting......

So I guess this is an odd situation for me, but a lot of things are going on in my life at this time.


My son's mother finally decided that she needs court ordered child support. So thats one thing thats rather stressing, and I have not seen my son since Christmas and before that his bday.....before that its been months....so trying to find a good lawyer to ensure I get joint custody so she does not get a dime from me.

But, I am wanting to get my own place so I can show the judge that I have a proper house for my son to live in.


Along with that I need my own place in general. I do not want roommates. Just a 2br or 3br house, townhouse, or apt.....

So I would like some help if anyone can chime in with some realism because I kinda suck at the big picture....


I make somewhere around 2200-2500 take home each month. I get paid twice a month.

My loans add up to 840 a month. Its about to get way lower after I sold a car, and refinance my other car......I am keeping them up high for now because of court (if this thinking is wrong then by all means clear it up for me but I think the more in debt you are the less you pass for obvious reasons).

But where I live there are 600-800 a month houses and apt's/townhouses.....

I guess what I am looking for is a how I can live on my own type deal. I guess I am wondering if someone maybe in my shoes with a certain budget to go on and how they are working with it.


Kinda worried I am biting off more than I can chew......idk....maybe I am just rambling too....
Old 01-22-2012, 03:55 PM JPF_ is offline  
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JPF_
 
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http://charleston.craigslist.org/apa/2791232607.html

This is a new apt complex.....easy access to the highway each morning I work......and has a gym.....so I wont need to rely on being a guest of a friend or 20/month for a gym.....


Just an example....I don't care for apt's because the management can walk in your place anytime. A maintenance tech for Comcast I worked with had 4 guns, xbox 360 and a ps3 stolen.....come to find out it was the bug sprayer for the apt complex....

But if all else fails I would not mind , even more so if I can save money....
Old 01-22-2012, 04:01 PM JPF_ is offline  
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Vendetta
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hey JPF, seriously. find some epidemiology (or research methodology) and investing (hedge fund-esque, institutional investing) jobs down there. i'll run them by the wife

anyway, what might your loans drop to? (you mentioned they area bout to get lower)
Old 01-22-2012, 04:59 PM Vendetta is offline  
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JPF_
 
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Quote:
Originally Posted by Vendetta View Post
hey JPF, seriously. find some epidemiology (or research methodology) and investing (hedge fund-esque, institutional investing) jobs down there. i'll run them by the wife

anyway, what might your loans drop to? (you mentioned they area bout to get lower)

http://www.careerbuilder.com/JobSeek...36NL83M2LQB2L0

Kinda like that?


Well I have a high interest rate on my lexus (due to buying/selling cars so quick). So I will refinance when my score gains more foundation. So payments should drop about 50-100$ a month.

And selling one of my cars as well. Should be around 650ish a month total in loans. Rest can be used for housing etc....unsure how much or if I will have to pay child support until court date.

Last edited by JPF_; 01-22-2012 at 05:24 PM..
Old 01-22-2012, 05:05 PM JPF_ is offline  
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JPF_
 
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Maybe something like this too?

http://charleston.craigslist.org/sci/2804100678.html



http://www.epimonitor.net/2011-1234.htm


I think this is a position at the company I work for,
https://kellycareernetwork.tms.hrdep...language=en-US

lol I suck at this

Last edited by JPF_; 01-22-2012 at 05:43 PM..
Old 01-22-2012, 05:10 PM JPF_ is offline  
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mikeawesome
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840 just for car loans?
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Old 01-22-2012, 05:26 PM mikeawesome is offline  
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JPF_
 
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840 just for car loans?

2 cars and 2 private loans.......one private loan is less than 2k, other I owe around 3k on......working on killing one with tax returns....
Old 01-22-2012, 05:29 PM JPF_ is offline  
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I would download GNUCash and enter all your stuff into it. Read the first five chapters of the manual, they're a crash course in personal accounting. I just did this and found it extremely helpful.

http://www.gnucash.org/

edit: to be fair, reading about accounting absolutely blows, so beware
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Old 01-23-2012, 01:35 AM fapling is offline  
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JPF_
 
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I would download GNUCash and enter all your stuff into it. Read the first five chapters of the manual, they're a crash course in personal accounting. I just did this and found it extremely helpful.

http://www.gnucash.org/

edit: to be fair, reading about accounting absolutely blows, so beware

ty, I will get started on that....


And ugh.....just feel as if every 2 weeks I have a mental breakdown and I feel I want to change.....but change never comes.....I need a lifestyle change.....

sigh....
Old 01-23-2012, 06:28 PM JPF_ is offline  
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mint.com
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Old 01-23-2012, 06:29 PM mikeawesome is offline  
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JPF_
 
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mint.com

Yeah, was about to download that on my iphone.....but got rid of the phone.

Unsure if its on the Windows Marketplace.....if it is I will sign back up for it.....


I heard its a bad ass app....
Old 01-23-2012, 06:31 PM JPF_ is offline  
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Quote:
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Yeah, was about to download that on my iphone.....but got rid of the phone.

Unsure if its on the Windows Marketplace.....if it is I will sign back up for it.....


I heard its a bad ass app....

It's also a website you can use on your computer...
Old 01-23-2012, 06:54 PM U Caught The Gay is offline  
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Yeah from what I've heard mint.com will auto-track your credit cards for you, which is nice.

I kind of like using an offline system that doesn't require me to give someone my financial info. I think it also forces you to pay more attention to what you're spending because you have to enter everything manually.

Probably I'll do GNUCash for a while, and transition to something more automated after I've built up enough knowledge/discipline.
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Old 01-23-2012, 09:41 PM fapling is offline  
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Old 01-23-2012, 10:45 PM G-Daddy is offline  
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