You gotta new man?
Official Ladies Finance Thread
- Thread starter Black Cher
- Start date
Black Cher
All Star
Working on paying off all my debt so I can buy a house within the next two years. Majority of my debt will be gone by the end of the year so I'm exciting about that!
DatLBCGuy562
Superstar
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Black Cher
All Star
So my job is paying everyone a time and a half during the quarantine so two of my cards are about to be paid off by May! Hell yea!
CinnaSlim
Queen of Swords
Just seeing this lol. Had one but dumped him. We nuh compatible.You gotta new man?
Black Cher
All Star
Saving up to buy a plot of land, only have $2200 left to go! Hoping to have this by the end of summer, I plan to build a tiny home on the land. Super excited!
In five years I hope to be done with borrowing completely and using credit cards completely. I'm thinking one last car loan to be paid off in 3 years and a refinance on my mortgage to be paid off in 3-5 years. I pretty much live on cash/debit card now.
I'm not worried about a credit score, although I know it's used for certain areas of employment. I've seen a friend grow her business without borrowing, so I know it can be done, in the event I go that route. Not saying I'd open a business exactly like hers, but figure out how to start and grow it organically.
That's very exciting! Do you have a tiny home plan as well? I want to build a tiny home for my mom in my backyard. I have about 5000 sq ft of land, so its plenty of space, if the county allows.
I'm not worried about a credit score, although I know it's used for certain areas of employment. I've seen a friend grow her business without borrowing, so I know it can be done, in the event I go that route. Not saying I'd open a business exactly like hers, but figure out how to start and grow it organically.
That's very exciting! Do you have a tiny home plan as well? I want to build a tiny home for my mom in my backyard. I have about 5000 sq ft of land, so its plenty of space, if the county allows.
Black Cher
All Star
Yea I actually just bought the plan today. I was planning to build the house myself with the help of a couple of family members but after looking at the plan I think I'll hire professionals lol. I've never built a house or anything close to it before so I don't want to mess it up. The plan was super confusing to read because I plan to build on a foundation not wheels so the plan was designed to be submitted for city permits so it's basically just a bunch of construction/engineering jargon that I don't understand. It's times like these that I wish I had a boyfriend that knew how to build stuff lol.
Yinny
I miss LLC Twitter
Super congrats! How large is the plot? LOL Please hire professionals (architect engineer contractor), it’s a pretty complex process wrt permits, engineering and design plus materials, timelines and troubleshooting. All the best, that’s really super exciting. I love to see women making their goals!
I had a buyer reach out to me for a sizable land deal ($ and size considering where we are) and it was pretty interesting on my scouting and reviewing the plans/surveys and town restrictions-definitely new territory! Covid has been in the way but I’m really looking forward to it resuming, hopefully. *crosses fingers*
Yinny
I miss LLC Twitter
May was a pretty expensive month for me, had some big ticket items and shopping plus the biggies (auto insurance) was due. Unexpected car repair, someone swiped my mirror womp womp. I got another discount on my advertising, and I’m paying cards in full as I normally do. I did take advantage of a balance transfer and started really using my low interest rate card (the published rate when I first got it was 12.74 then swung up to 13.74 and down to 11.99 so not sure how I swung that) more to offload using my charge as top of wallet. Had to dip into my savings which is never fun but I don’t mind the pain *at once* since I know the spending will seriously drop off, I’ll replenish the savings shortly. I did max out on coupons/promotions and got stuff I was delaying like hair stuff, Uggs for $75-I don’t know when or why I started shopping at 0 for several (5+months) at a time then massive purchases across categories.
My last payment for LASIK is it’s lowest next month so that’ll be additional money I can put to saving. I have to plan a smart strategy for realistically buying a multi or prioritizing self funding a business. I have tons of brainstorms and could use an accountability buddy.
My last payment for LASIK is it’s lowest next month so that’ll be additional money I can put to saving. I have to plan a smart strategy for realistically buying a multi or prioritizing self funding a business. I have tons of brainstorms and could use an accountability buddy.
Black Cher
All Star
The plot is a little under 5,000 sq ft. and the tiny house is 144 sq ft. Yea I'm def gonna hire a professional now that I've actually looked at the plan.