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I don't have a data plan. You just use it when you can get free internet, which is what you can afford currently.

Also, I'd look into selling your car and getting a cheaper one as others have pointed out.

Finally, you mentioned 2011 taxes, how about 2012 taxes. Did you get a refund on those, if so maybe you need to adjust your w4 to increase your take home pay.

cp102 said:   When people cut entertainment expenses to zero, they end up working and working and end up burned out. You can do it for a short term but long terms goals that are sustainable is what we want. If he doesn't spend it great put it in savings, but I would still allot this money. It also gives hm some wiggle room if he needs something , he is young you can't expect him to never want to go out, just do it frugally.

I was in debt along time ago, and I used practical, methods to get out, we didn't really use the entertainment budgeted money very often for entertainment, but there was always something breaking, etc. It was nice to have a bit of money that we could use and not use a credit card. Just my opinion.
Cutting entertainment expenses to zero does not mean cutting entertainment; it means finding free entertainment. You can hang out with friends and drink beer without going to a bar/nightclub. You can go to free concerts. You can go to free sporting events. You can go to free museums. Etc, etc.

P.S. A fund for wiggle room and items that break is called an emergency fund, not an entertainment budget.

NoMoneyInMyWallet said:   cp102 said:   When people cut entertainment expenses to zero, they end up working and working and end up burned out. You can do it for a short term but long terms goals that are sustainable is what we want. If he doesn't spend it great put it in savings, but I would still allot this money. It also gives hm some wiggle room if he needs something , he is young you can't expect him to never want to go out, just do it frugally.

I was in debt along time ago, and I used practical, methods to get out, we didn't really use the entertainment budgeted money very often for entertainment, but there was always something breaking, etc. It was nice to have a bit of money that we could use and not use a credit card. Just my opinion.
Cutting entertainment expenses to zero does not mean cutting entertainment; it means finding free entertainment. You can hang out with friends and drink beer without going to a bar/nightclub. You can go to free concerts. You can go to free sporting events. You can go to free museums. Etc, etc.

P.S. A fund for wiggle room and items that break is called an emergency fund, not an entertainment budget.


so true. With all the credit cards I have signed up for I've never had to pay for renting a movie from red box as I can use the free promo codes on each of my cards.

On an old, old thread - maybe this one- someone suggested paying off the smallest balance card in order to trigger potential BT offers ... possible option, as long as your credit is not already in the shi**er. OP, consider clicking that old thread and reading it; IBJanky was in way worse shape and he had success. Good luck!



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