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Money and Finances
Reply to "Financially irresponsible and don't know how to change"
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[quote=Anonymous]It's not insurmountable, but you need to commit to a plan. At some point you have to face the fact that this is your income, and you're not going to win the lottery, so you need to learn to live within your means... When would you like to have the $7,500 in CC debt paid off? That will tell you how much you need to cut your spending each month. How much will your student loan payments be per month when you graduate? You also need to work toward finding that in your budget to avoid going further into debt. Are you saving for retirement? Do you have any emergency savings? These are other important things to think about. What is your monthly budget now? Is the 56K gross or net? [/quote]
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