So as the title says, I’m looking to clear all debts besides the house.
I’m 28, my wife is 27. We have 3 kids, all in school. They go to an in-home daycare for an hour before school and about two and a half after. (Kindergarten, 2nd grade and 4th grade)
Both my wife and I work full-time. Income is around as follows:
Wife: $37,440 ($18/hr 40 hr week) there are variable Saturdays that I haven’t accounted for since she’s starting this job on Thursday.
Me: $46,930 ($19/hr + 5hrs overtime @ $28.5/hr) I am able to get around 3-5 extra hours of overtime every week if I want/can. So at best I can bump up to $54,340. I also receive two bonuses a year, one in the summer and one on Black Friday. The summer bonus is usually $500, except last year and this year has been $4,000 and the Black Friday bonus is around $1,500-3,000. Raises are yearly in January every year, this year will be inflation based so I’m *hoping* for $2/hr more. This would get me to $51,870 at regular work time, or $60,000 following the same high end of overtime I can work as mentioned.
Current bills:
Mortgage-$971
Car-$401
Motorcycle-$193
Car Ins-$154
Motorcycle Ins-$27
AT&T-$315
Electric-$200-300 depending on weather
Water-$124
Gas-$30-150 weather pending
Groceries-$700
Babysitter-400
Internet-$86
Subscriptions (Hulu Netflix Amazon) about $45
A grand total of $3,696
Monthly income of $7,030 before taxes. I’d average it to around $6,300.
We’re left with about $2,600 not including gas for 2 cars (I don’t ride the motorcycle every day) cigarettes (we both smoke and hate it) school stuff and sports for all 3 kids and all other incidentals that come with life. We’re essentially at zero every month.
SO, here’s my plan. We both work days, I currently work 7:30 to 5pm she’ll be 9-5. I can bump up my overtime and work 6:30-5 as well as work an overnight job at PF which I have an interview for Friday. 9pm to 5am. 5 days a week. Hopefully with my work experience I can start at the max the posting had of $13.75/hr. This would give us about $2,000 extra a month. There’s $13,307 left on her car and $6,969 on the bike. If I save every red cent from this second job both could be paid off in 10 months. This would clear up $600 a month, essentially our food bill.
So I guess I’m mainly looking for advice, maybe someone who has done the same thing to pay off debt.
It seems unlikely that you will be able to sustain sleeping less than 4 hours/day, 5 days/week for 10 months and maintain job performance, much less be a functional member of your family.
You’re burning $2,600/month on “incidentals” – that’s ridiculous. Instead of working yourself to the point of some type of health crisis, try quitting smoking, reducing the number of paid activities for your young children, sell one of your vehicles, and comb through the rest of your expenses for additional savings.
Given what you’ll likely save in future healthcare costs, you’ll probably come out ahead.
I think you need a budget. An actual budget and a real understanding of what your lifestyle costs and what if any money you would have leftover to throw at debt after you start building up a small emergency fund. I personally use You Need a Budget (r/YNAB) and paid off a ton of old debt. Without YNAB (or at the very least a true budget) I would not have know what my expenses actually were and how I needed to adjust my spending and lifestyle to save for unexpected expenses and pay down my debt. YNAB is a digital “envelope” or zero based budget and it help prevent you from spending what you don’t have.
Pretty self explanatory, save both your and the kids lives by quitting smoking. Also sell the motorcycle that also doesn’t benefit your family. Work overtime if the dollars brought in doesn’t negatively affect the care of your family, ie your wife is able to care for them. Don’t work so much that you lose balance, otherwise look for a higher paying job if this happens.
Start by putting all the numbers down in an Income & Expense statement. Then you can set a realistic & practical budget to settle debts. When considering current income, don’t count on future bonuses or increases. If and when it happens, the extra amounts can be used to pay debts. Eliminate or reduce all unnecessary expenses. Yes, this will require a serious look at lifestyle choices and changes. It could be challenging but you have a goal to reach. Increase income. Negotiate with creditors whenever possible for better payment terms.
Quit smoking. Not to mention the health benefits of you and your kids, according to google the average pack cost $6.28 and assuming you and your wife smoke two packs a week(which to be honest I think seems light but I am not a smoker I just have a bunch of coworkers who are)that would be $25.12 a week which would be $100.48 a month, Now prices obviously very as I think there like $10 a pack where I live on average, but that right there is enough to help pay a bill like the internet or half of the motorcycle payment and you didn’t have to do nothing but give up a habit that doesn’t really do anything for anyone.
Next I would sell the motorcycle, like most guy’s I hate giving up my “toys” but it would be for the best to have financial security with a family and all. If the bike is worth more then what you currently owe you could always take the left over and find a good used one, yes it might not be a harley or whatever but if you really like riding you can pick up a older used honda for probably like $1500 in good riding condition.
Now look at your electric, $200-$300 just seems high for electric, is it possible you don’t have energy efficient bulbs in the light fixtures or can you just open the windows on cooler days during the summer instead of running the A/C, if you have electric water heater check to make sure that is working as efficiently as possible or swap to a gas unit if possible as gas is usually cheaper to run then electric, I did this swap a few years back and went from having a $250 electric and $12 gas bill to a $120 electric bill and $16 gas bill in the summer.
Then look at stuff like your AT&t bill, if you really need to have netflix, amazon hulu at the sametime and even some of your incidentals like kids sports(If they really enjoy them then its one thing, but if your making them do this stuff and they don’t really want to then don’t).
You need to sell the toy, also motorcyle.
Zero based budget every month, every dollar of income gets a name/destination, put cash in envelopes if you have to so you know how much you are spending, you are your spouse spit shake. Keep track of your spending.
Stop using credit cards, until you two get it under control.
Try using either the Avalanche or the Snowball method to bring down your debt. There are YouTube videos that have extensive information on these two methods. Sell the motorcycle. It’s just adding to insurance, gas and maintenance.
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