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Beware that balance transfer
Does she really need a laptop?
Does she really should be buying new clothing?
Things i see in your story is a couple of expenses that are completely unnecessary for a debt-burdened college student. Go down to the local secondhand shop or thrift shop and purchase some cheap shoes and whatever clothes you'll find. Do not buy them new. Make use of the computer resources of the campus rather than buying yourself a new laptop,[link widoczny dla zalogowanych].
If your a reaction to this response was,[link widoczny dla zalogowanych], "Well,[link widoczny dla zalogowanych], that's no help!" then you're not necessarily prepared to dig yourself out from the situation you're in for want of stuff.
Q3: Handling risk intolerance
After losing a substantial sum within the tech stock fall (way back when) after which an enormous sum in a failed investment,
we are now extraordinarily 'risk intolerant'.
At 46 years old and 52, we now have what's left of our retirement in an online savings with Dollar Savings Direct….(making 'bupkus' as my old Grandma would say)…but, it's safe. We know we are not even keeping up with inflation such as the possess the stomach (or the time before retirement!) to get rid of anymore money. We've become 'chickens'!
Any advice,[link widoczny dla zalogowanych]?
- Laurel
Small steps.
If you are earning 1% interest in your account, put 1% of this somewhere where it's in a greater risk. Even if you lose all of that,[link widoczny dla zalogowanych], you're still breaking even.
Next,[link widoczny dla zalogowanych], if you're earning 1% curiosity about your account, put 5% of this balance in a greater risk investment. Even when that high-risk investment loses 20% of their value, you are always breaking even.
Once these steps seem okay,[link widoczny dla zalogowanych], start moving toward such a retirement portfolio need to look like for the age, probably something like 30% stocks and 70% conservative investments (cash and bonds).
If an investment is keeping you up all night out of stress, it isn't worth it.
Q4: Converting debt into student loans
I make about $33,000/year and am currently $27,500 indebted. About $15,000 of this is VERY high interest rate credit card debt (between 24.99-29.99%) and also the remaining $11,500 is 401k loans that we am locked into paying back at a rate of $55/wk for the next 4 and half years approximately.
Minimum payments on my small credit debt are almost $500/month and, because of that,[link widoczny dla zalogowanych], I'm living paycheck to paycheck. Worse than that, actually,[link widoczny dla zalogowanych], I'm only making ends meet by taking on overtime at work. My other expenses are basically just the minimum which i need to get by, though I'll admit to endulging in $16.99/month for Netflix.
I'm within this mess due to a recent divorce and medical expenses that were covered by the 401k loans, together with some bad spending choices previously. It was manageable after i was married coupled with two incomes, but I cannot maintain all of this on just my income anymore and I'm not really creating a dent within the charge card balances.
I don't want to just stop paying the credit cards but I don't know what else I'm able to do at this time. I own no property to speak of outside of a car worth around $2500, and my credit isn't the greatest (mostly because of high balances compared to available credit,[link widoczny dla zalogowanych], not late payments or anything), and so i doubt I'd be eligible for a any kind of loan consolidation.
I wish to return to school and friends let me know I'm able to get most (if not completely) from it taken care of through grants and loans, and even get money back to live on (the nature of my work allows for me to work and visit school full time), which may effectively help me repay the credit card debt or lessen the interest (as well as defer the debt) by effectively converting credit debt into school loan debt (although I'm told that could be illegal depending upon the borrowed funds source).
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