Recent content by howaldryan

Welcome! I love a lot of Dave Ramsey's personal finance strategies which is where my opinion will come from. For your income, the car is a huge part of your yearly salary. You can get a very reliable car for 10k or less. I think that car debt will hold you back from accomplishing your...

I have continued to follow the forum closely and decided to look back and give an update. 4 years later, life is very different than expected. About 3 years ago, the relationship I originally posted about ended. I was fortunate enough to meet my wife about 2 years ago and we will be...

Thanks Omni. I have found that due to my low principal amount, I dont always get the best rate. This what I have been told by several financial insitutions. I dont know if there is any truth to that but I am happy with 4%. It wont make a huge differance because I plan to pay it down very...

Basically the only reason were not married is school, I have decided not to get married until I am done with school. Beleive me, I have ran through the trade off in my head a million times. I dont pay for school, it takes her 3+ years to finish school with student loan debt, or I pay for school...

So I plan on providing a yearly update to document my progress towards financial independence. You are more then welcome to look back on my last two post but my first post was title 20yrs old first house. Anyways back to my update: As stated in previous posts, I was anticipating that the...

She is cutting more things then I would even expect. She went from getting her nails done every week to not at all. She hasnt had her nails done in months. She did ask if she could go get her nails done in a couple weeks. I did tell her that I think it is ok. There are very few people that I...

Thanks for the encouragement and comments. I saw about junior year in high school that the going out every weekend and spending your entire paycheck was crazy. Parents divorced freshmen year of high school. Lived with Dad, 100% starting at 18. He traveled monday through friday every week. Was...

Oh also, my girlfriend and I are still together. Celebrated 3 years on Friday. YAY! We both want to be out of school and into careers before looking at marriage. A couple years away. Update on the actual house, so far nothing in the neighborhood is sold less then what I paid for mine. I know...

So I posted a thread back in Jan talking about purchasing a house. Well I did it. I closed on my house in the second week on march. Turned 21, the first week of march. So I have lived in my house for 5 months now and wanted to give a couple updates. For one, and this may be from being 21 and...

Also I have been pre approved through chase bank for the house. So the approval should not be an issue.

Thank you for all of your comments. Yes I can see myself living in this place for several years if not longer. It is close enough to school so that I could live there through graduation. I have two years left to graduate. In the current field that I am in, I have the ability to transfer...

Hello, I have been reading this forum for quite a while and have been observing all of the great advice given on this forum. I wanted to introduce myself as I am about to make a big financial decision here very soon. Just some info on myself. I am 20 years old, in College, working towards by...