Log In

Your email is not your username

Register

If you were a member of the old Bodybuilding.com forums and would like to reuse your previous username, you can request it below. We use your email only for registration and do not store it. For more information, please see our Privacy Policy.

Confirm your email

A registration code was sent to your email. Enter it here.

Welcome

You have successfully setup your account.

Sign in

Quick Navigation Bottom Misc
Forum » How fuked am i
  1. Results 1 to 15 of 15
  2. Page 1 of 1

Thread: How fuked am i

post 1689714003 09-07-2023, 09:19 PM
-
#1
  1. PShift5
  2. Registered User
  1. PShift5
  2. Registered User
  3. Join Date: Jan 2022
  4. Age: 56
  5. Posts: 3,880
  6. Rep Power: 27795

How fuked am i

Just got my mortgage details

Net income after 401k and taxes: $5815
Mortgage amount with taxes/insurance: $3415
Student loan payment: $295
Car payment: $101
Credit card: $85

Am I fuked

Oops sorry meant mortgage is ~$3415
post 1689714343 09-07-2023, 09:26 PM
-
#2
  1. CementPizza
  2. Registered User
  1. CementPizza
  2. Registered User
  3. Join Date: Jan 2002
  4. Posts: 49,096
  5. Rep Power: 271368
pepper thy angus and allow them to fist yourself.


u ded az phuk cuz
R.I.P. Hector Bluntz
I am sex yor butt.
Sick Duck Crew.
Stroke crew
Mortal Enema Crew.
Intent to penetrate Crew.
https://www.amazon.com/Best-Sellers-Kitchen-Dining-Potholders/zgbs/kitchen/678537011
post 1689714503 09-07-2023, 09:29 PM
-
#3
  1. latverian41
  2. Registered User
  1. latverian41
  2. Registered User
  3. Join Date: Mar 2016
  4. Age: 51
  5. Posts: 28,227
  6. Rep Power: 123665
Damn man, you have more material things than I do but after you crunch the numbers you are almost in the same shape.

Your numbers just don't add up. Why did you get under such a mortgage payment? How much did you buy your house/condo for?
"it takes a wise man to know when he is in error and a noble man to admit to it"
post 1689714573 09-07-2023, 09:30 PM
-
#4
  1. PShift5
  2. Registered User
  1. PShift5
  2. Registered User
  3. Join Date: Jan 2022
  4. Age: 56
  5. Posts: 3,880
  6. Rep Power: 27795
I'm living on my own **** son I am phukd
post 1689714673 09-07-2023, 09:32 PM
-
#5
  1. Ratfish
  1. Ratfish
  3. Join Date: Jul 2009
  4. Location: Portland, Oregon, United States
  5. Posts: 113,850
  6. Rep Power: 576095
should have bought in 2012, boyo
Make Europe Germany Again
post 1689714693 09-07-2023, 09:32 PM
-
#6
  1. BigGuyTruth
  2. Registered User
  1. BigGuyTruth
  2. Registered User
  3. Join Date: Mar 2023
  4. Age: 56
  5. Posts: 3,860
  6. Rep Power: 18732
How did you even get approved for that
post 1689714813 09-07-2023, 09:35 PM
-
#7
  1. PShift5
  2. Registered User
  1. PShift5
  2. Registered User
  3. Join Date: Jan 2022
  4. Age: 56
  5. Posts: 3,880
  6. Rep Power: 27795
Originally Posted By latverian41⏩
Damn man, you have more material things than I do but after you crunch the numbers you are almost in the same shape.

Your numbers just don't add up. Why did you get under such a mortgage payment? How much did you buy your house/condo for?
450k house 5% down at 6.5% rate
post 1689714893 09-07-2023, 09:36 PM
-
#8
  1. PShift5
  2. Registered User
  1. PShift5
  2. Registered User
  3. Join Date: Jan 2022
  4. Age: 56
  5. Posts: 3,880
  6. Rep Power: 27795
Originally Posted By BigGuyTruth⏩
How did you even get approved for that
Meant $3415 mortgage my b
post 1689715243 09-07-2023, 09:50 PM
-
#9
  1. PShift5
  2. Registered User
  1. PShift5
  2. Registered User
  3. Join Date: Jan 2022
  4. Age: 56
  5. Posts: 3,880
  6. Rep Power: 27795
Do any economic experts think the rates will fall hard soon, I'm thinking next year with a promotion+refinance I should be comfortable living but I'll be sweating until those two events happen
post 1689715463 09-07-2023, 09:56 PM
-
#10
  1. PShift5
  2. Registered User
  1. PShift5
  2. Registered User
  3. Join Date: Jan 2022
  4. Age: 56
  5. Posts: 3,880
  6. Rep Power: 27795
Can also reduce my 401k contributions by $200 a month to net an even $6000 to help with student loans coming up
post 1689715803 09-07-2023, 10:05 PM
-
#11
  1. TommyRO
  2. Always keeping it Real
  1. TommyRO
  2. Always keeping it Real
  3. Join Date: Dec 2015
  4. Location: Prince From, Lagos, Nigeria
  5. Posts: 28,971
  6. Rep Power: 379644
Kinda ****ed because if anything happens you gonna go deep. Also I see no phone payments and bills. Why buy this house alone. Regardless most impressive things is that car payment wtf unless that's insurance.
****Bringing sixy back in 2019****
6'6" 666lbs......str8 sixy!

Who Tests God and Does Not Wager Their Lives?
post 1689718253 09-07-2023, 11:21 PM
-
#12
  1. latverian41
  2. Registered User
  1. latverian41
  2. Registered User
  3. Join Date: Mar 2016
  4. Age: 51
  5. Posts: 28,227
  6. Rep Power: 123665
Originally Posted By PShift5⏩
Can also reduce my 401k contributions by $200 a month to net an even $6000 to help with student loans coming up
Take your debt one at a time. Start with rhe smallest . First thing to do is cut up your credit card. Pay it off super fast learn to scrape by and don't buy yourself luxuries right now

Meaning no $200-300 shoes, no $120 Ralph Lauren shirts or cremiux

After you pay off credit card start trippling up your payments on the next debt. Give yourself a five year plan and focus on the end game.
"it takes a wise man to know when he is in error and a noble man to admit to it"
post 1689718333 09-07-2023, 11:25 PM
-
#13
  1. Destor
  2. Registered User
  1. Destor
  2. Registered User
  3. Join Date: Apr 2012
  4. Location: Alberta, Canada
  5. Age: 41
  6. Posts: 43,481
  7. Rep Power: 254906
Originally Posted By PShift5⏩
Do any economic experts think the rates will fall hard soon, I'm thinking next year with a promotion+refinance I should be comfortable living but I'll be sweating until those two events happen
I wouldn’t be shocked to see no rate cuts next year, but that’s not what the market currently thinks will happen

Economy is stronk af, no reason to cut rates
post 1689718533 09-07-2023, 11:34 PM
-
#14
  1. PShift5
  2. Registered User
  1. PShift5
  2. Registered User
  3. Join Date: Jan 2022
  4. Age: 56
  5. Posts: 3,880
  6. Rep Power: 27795
Originally Posted By latverian41⏩
Take your debt one at a time. Start with rhe smallest . First thing to do is cut up your credit card. Pay it off super fast learn to scrape by and don't buy yourself luxuries right now

Meaning no $200-300 shoes, no $120 Ralph Lauren shirts or cremiux

After you pay off credit card start trippling up your payments on the next debt. Give yourself a five year plan and focus on the end game.
I don't buy fancy stuff but I spend a lot on fishing gear sometimes so I will have to be careful there will definitely cut up my credit card and pay that off in tax season I'm sick of the $80 payments every month they said it will be paid off in 11 years at min payments I as o my doing minimum because I was saving for a house now that **** has to go
Originally Posted By TommyRO⏩
Kinda ****ed because if anything happens you gonna go deep. Also I see no phone payments and bills. Why buy this house alone. Regardless most impressive things is that car payment wtf unless that's insurance.
It's a 2009 Corolla got it at 2.8% interest on a 3500$ loan

I have around 20k in savings left over after I do the down payment and closing costs so if I lost my job I have like 5 months of mortgage payments
post 1689718543 09-07-2023, 11:35 PM
-
#15
  1. PShift5
  2. Registered User
  1. PShift5
  2. Registered User
  3. Join Date: Jan 2022
  4. Age: 56
  5. Posts: 3,880
  6. Rep Power: 27795
Originally Posted By Destor⏩
I wouldn’t be shocked to see no rate cuts next year, but that’s not what the market currently thinks will happen

Economy is stronk af, no reason to cut rates
Awfukbye
Quick Navigation Top Misc
Bookmarks
Digg.com
Digg
del.icio.us
del.icio.us
Stumbleupon.com
StumbleUpon
Google.com
Google
Facebook.com
Facebook
Posting Permissions
  1. You may not post new threads
  2. You may not post replies
  3. You may not post attachments
  4. You may not edit your posts