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Reply to "How to get out of debt!"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I had to get a better car because of my driving due to kids and the area I live in(Gettysburg,Pa). Family is spread out in that area and I need to see them from time to time. My car loan is at 7% apr and got me if the credit card debts reduced to lower apr of 7.99%. I don’t invest a lot in 401k and max about $2500/year. I got a tax refund this year and used that towards paying down the debt. Going back to school is I really want to do and it would increase my salary by 30-40% after 18 months of education but worried about the debt.[/quote] How are you too tired to take on per diem work but not too tired to work and go to school?[/quote] I bet if you think about this for a minute you will get an answer. I'm not OP - but investing in training that will bring you a higher income (esp paid for by someone else) can be a smart move, even if it means you don't earn as much today. I don't know how OP gets out of this debt but I don't think taking on $150 shifts a few times a month at the expense of getting a higher pair job 1.5 years from now is the way to do it.[/quote] And in 18 months, she’s in an ever bigger hole bc while she’s in school, she’s scaled back her hours but hasn’t scaled back her expenses. Isn’t the tuition benefit taxable? How is OP going to pay that? Per diem work is very lucrative if you’re willing to put in the work. She’s “tired”… how is she less tired to put in the huge effort that medical training requires? [/quote]
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