I loved reading your diary, thanks for sharing! You seem like a great person and very involved in your community. Also I’m glad Siblings Are Like Stars You Can’t Always See Them But You Know They’re Always There T shirt are people here reading and contributing that are not in the 25-38 avocado toast cohort (said with a ton of irony and definitely including myself there)I think it’s admirable that you give so much when you have other things you can be doing with the money. Really shows where your heart is at. Also I just caught my husband signing us up for terribly expensive life/disability insurance from a “friend” claiming to be a financial advisor but just an uncover sales agent. After a some research and a ton of reading on personal finance sub reddit, thankfully I ended it right before our application was approved. it may be worth looking into if you can end the contract.This was an interesting one, thanks for sharing! Given the equity in your house, would u consider a refi with cash out OR a home equity line of credit to wipe out your credit card debt?
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I loved your diary. It brought me back to living and growing up in Northern NJ. The Siblings Are Like Stars You Can’t Always See Them But You Know They’re Always There T shirt the Yankees, bagels, Catholic, etc. I also love that you have a realistic life! Lately, the money diaries on this sub have been mid-20s techies making $150k+ with huge retirement savings which truly isn’t realistic for most people. This was very honest and lovely. Thank you for sharing.The really unrealistic part to me is all these folks going to bed at 9:30 every night! My sister is like that, but most nights, I don’t even get to sit down till 9! When I had my old job, it worse – I used to get home at 8:30 most nights! Which ties into $, because if I was later than that, we’d end up driving through for dinner, which is a lot of wasted money and calories! It was mvore of a fun job than this, though.We probably are. My husband was the Grand Knight of our Knights of Columbus council, and they have an arm that sells life insurance. We had insurance that would pay off the house and bury us that we got when we moved in, but it’s going to run out before (hopefully) we’ll need it, and we won’t be any younger then. Two 50 year old smokers (I don’t really smoke, but the blood test showed nicotine) are not getting the good rates, but I honesty think we could have done better. But M felt it was important to buy from his guy, so here we are. I growl a little when I see that auto pay go through every month.
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