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cap'n crunch | What should I do with my tax refund? |
I am getting $3,500.00. I have $2,200 in credit card debt, and I make 20k a year. I live with my folks but want to move out by fall, hopefully. If I pay all my credit, I'm afraid I may rack it up again.
How much should I save, pay to debt, spend, invest (or should I invest at all)?
Thank you.
Additional Details
Joycolor... give me a link. |
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Jeff
 |
Paying off the credit cards is a good idea. But you're only treating the symptom, not the disease. To cure your financial disease, cut up the credit cards.
Instead of credit cards, you're going to start paying for everything with cash, and have an emergency fund for unexpected stuff.
1) Pay off the $2,200 credit card debt.
2a) Withdraw $1,000 as ten $100 bills.
2b) Buy a picture frame from Wal-Mart.
2c) Get the frame engraved: "In case of emergency, break glass"
2d) Put the ten $100 bills in the picture frame.
2e) Hide your brand new emergency fund in the back of the closet.
3) Put the other $300 in a savings account. This is your starter fund for your new apartment.
4) Start making "rent" payments, but the $500/month goes into your savings account.
5) If your financial situation this year is similar to last year, ask your boss for a new W-4, because he withheld $300/month too much.
I know your folks are driving you crazy.
But, the $500/month your saving instead of spending will be worth it. That'll be $4,000 saved by this fall. Don't squander it. |
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Jim
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You are paying interest on that credit card. Pay it off, and put the rest in a certificate of deposit with the bank for three months. You will need it later. |
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yadira25
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how did you get back so much!!! you must have kids! dang i thought i was rich getting back 990!!! LOL i would pay all of the debt so when you do get to move out, you will be debt free! |
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Sean
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Pay off your high interest credit cards, and save the rest for moving out. |
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TBONE
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Paying down your credit card is like recouping money you are giving to someone else. It's good to to pay it to zero.
I like the IRA idea, too.
Even with a ahving a child live with you, you should make a plan for yourself for over each of the next five years (sounds kinda Russian, but it works). Do you want to make more money? School, living arrangements, taxes, etc. would help you net more of a refund and/or raise your take home pay. This is where I would invest it, in yourself. That way you are in control of it.
For now, put the rest someplace where you can't touch until you make your plan. A US savings bonds, a CD, or a Money Market savings acct would be great. Get that money working for you!! |
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engakwasdky
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If it were me, I would pay off my credit cards and save the remaining $1,300 (possibly for moving costs when you move out?). If you think you may rack your debt back up, cut up your cards.
I'm like you, though... I paid off one credit card with part of my tax refund, but it was the one I knew I wouldn't charge on again. I have a few other, much larger ones I could've paid down but I knew if I did that I would just charge on them again. It's all a matter of will power, I think, and knowing exactly how much in interest you'll end up paying on those cards :) |
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darkridr
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First, pay your credit card off and promise yourself you will ONLY use it for emergency purposes. Once you've done this, put the remaining amount into an IRA. At 20k/yr it will be cost-effective to place it into a traditional IRA, as it will lower your overall income for next year, thereby increasing your EIC on your 2008 tax return.
As to your IRA itself, have your financial planner invest the funds inside your IRA into something safe. My personal recommendation is bond funds at this time. We are at the start of the downward cycle of our market, and as such, I expect most stock funds to do very poorly over the next 2-3 years, so don't let anyone talk you into investing in any funds that have stocks in them.... |
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Acelynk
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I would pay off the credit card in full and get rid of it if you can. Consider the credit card as evil. Put the remaining $1,300 in the bank. Use that as a reserve when you run out of money (I'm assuming you have weekly income/job) instead of the Credit Card. If you can't pay cash for something ask yourself, "How bad do I really need this?" or "Do I need this now or can it wait until after I have my own place and am better established?". If you can live without it, do it! This is very hard to do, I know. The main priortiy sounds like getting a place of your own. The less you spend on items you don't really need, the more money you'll have for a downpayment and rent/house payment. |
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Amanda H
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Pay off your cards and then give them to your parents to hold on to-- or better yet, cancel all but one and ask that account holder to reduce your limit. You're in a situation where you can become DEBT FREE, and so few people in America are debt free. Plus when you move out, those credit card bills can quickly get out of control.
Why not pay off the $2220 balance, save $1000 to go towards moving out, and splurge the other $300 on shopping or something you want, as a reward for being responsible? |
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Jennifer
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Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58% .It's legitimate.I came across this company on NBC News.Check it out here:
http://doiop.com/creditsolution2 |
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joycolorist
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pay off your credit card and save the rest !!!!
Can you vote for my mom on this website
America's favorite mom she is Joyce G in 5th
she was 1st and 2nd and then other people started using websites and myspace to get votes and she dropped down I really need the help if you could pass it on and vote once a day it would be appreciated..... |
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NOT READY TO GIVE IN JUST YET!
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Go to a casino! (only kiddin`) |
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