 Outstanding gym debt! Please help!? |
Summery :
Joined gym, wanted quit, wouldnt let me, say i owe them £30 every month although im not useing it.
Now geting contracted from debt agency.
Need help what to do!
O... |
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You have a bunch of people working in a high priced bank that tell you that you are not worthy to spend your own money how you want to. Does this seem fair?
Additional Details
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Money...am i poor? broke? or what?
Money...money...?
Money...money...?
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kitzyababa | If you inherited $50 K would you...? |
If you inherited a large chunk of money, would you be pratical and invest it or live out a fantasy? I could use the money to remodel my kitchen, or move to France for a year and study art? I have always wanted to live in Paris and paint.
What would you do? |
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Josi
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If I inherited 50k (after taxes, right?), I'd probably remodel my house a little and flip it. Or I'd put it toward my house to have it paid off sooner and get out of PMI.
Or I'd set on it a while. I'm not sure. $50,000 is a lot of money. To those who think it isn't, well, you're all millionaires, right?? You have no debt, you own your homes free and clear and have enough money in the bank to do whatever you want, whenever you want. I didn't think so.
$50k wouldn't begin to be enough for a 6 month emergency fund for me, but I'd like to have it. It's still a nice amount. |
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skierfreek2003
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Simply put, invest it. $50,000 at an average annual rate of return of 10% (a bit high), doubles every 7 years. So, in 7 years you would have $100,000, 200,000 in 14 years, 400,000 in 21 years, 800,000 in 28 years, 1.6 million dollars in 35 years, and 3.2 million dollars in 42 years. Assuming you are 20 years old, your $50,000 would be in the neighbourhood of 3 million dollars by the time you are 62. Although you must take inflation into account, 3.2 million dollars seems to be a reasonably large sum. |
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sarasvah
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Put an awesome downpayment on a house. |
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Sam
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downpayment on a house is a great idea. buy the house and rent it out. |
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elizablahblahblah
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First off, 50K isn't all that much.
It depends. If I were already financially stable and caught up on all my bills, I'd use it for the fantasy. If I had obligations, debts or responsibilities, I'd use it for that. Remodeling your kitchen is a luxory too, so I assume you don't have any debts or bills that would be wiser to use it on.
In my case, I don't have any financial obligations, but I'm trying to buy a house now and I'd add that amount to what I already saved and put down a BIG down payment. The sooner I can pay off my house, the sooner I can spend most of my income on things like trips to Paris. |
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Kitty
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I would invest and fix my cabinets. |
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Frank Castle
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$500,000.00 USD. |
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confused
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$50k is not enough money to get excited about. I would use it to pursue my education to make more money. |
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Vadalia
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Use it to pay off any debts you have, then invest as much as you can in a retirement account for this year (and keep up with investing) After you have created an emergency fund that'll cover at least 6 months of living expenses- enjoy the rest. I wouldn't think it'd be enough to move to Paris for a year (not that I know why you'd want to do that anyway) but maybe enough to remodel a kitchen. |
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aivilo
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I know that I would do a combination of both ... I would do something fun with a portion of it, then take the rest and do something practical with it.
I would probably take the family a nice vacation - really nice - and then get my car fixed up. After that, I would do a few things around the house that need attention. Finally, with the remaining, I would invest the last bit - probably only about $10k at the end! |
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N S
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Pay off Student Loans |
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Jungle Luv
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Isen't 50 K... 50 thousand? thats like nothing. That wouldn't get you very far in Paris..... so id put it in the bank |
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