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Three years from now, I would like to have a nice car and own/rent a 2 or 3 bedroom house in Sacramento, ohio (one of the cheapest cities in the state I think). Is this realistic seeing that I only make about $12 an hour? I don't have excellent credit (collections). And I have over $15,000 in student loans. What steps should I take now to ensure my dream comes true?
1. Pay off your debts; 2. Save, save, save and resist every urge to spend, 3. get some skills so you can get a better paying job. 4. live at home, if you can, though still offer to pitch in and give your folks some money.
I would first start with your credit. Get copies and dispute anything that needs to be corrected. Then I would call collection agencies and ask them if you pay off item will they delete it from all three of your reports. If they say yes GET IT ohio WRITING!!!! I would see if you could put your student loans on forbearance will you try to pay off some of your negative credit items. Get another job and save every dime. Some banks offer Cd's that you can open for a minimum of $50 and add to them however much you want whenever you want(Indiana does; call around and check your area). All of the money you make from your second job I would put into something that earns a higher interest rate. Sell everything you have not used in a year. Think long and hard before buying any type of major purchase. Get a roommate now to help cover some of your expenses. Just be creative and frugal and it will all fall into place. Good luck!!!!
Why would want a nice car? right there you are setting yourself up for failure.. as you are either have settle as a renter status ( and therefore going for the nice car.. ) or you go for the house status , but give up on the new car ( you cannot have both ) even if Sacramento is the cheapest city in the state ( it's not ) if your profession does not draw a sizeable salary , you cannot afford a house.. even with "creative" financing... you need 38% of your salary MAX to go towards a mortage, the huge rise in defaults are a re results of people getting in WAY over their heads in buying a house they really can' afford nor should they even be even thinking of buying... but the RE and the Mortage Brokers will tell you different.. but then they are NOT your freinds oh they may act like it all they want is the commission and loan orgination fees, they could care less if you default later. like the other person said pay off all your debts slowly build up your credit your dream will have to wait... there is no use in rushing towards the 2 major purchases in life.. especially if you get emotional on either one of them a house is a house.. not a home.. it's a purchase.. which allowing for inflation, appreciates poorly .. it is NOT an assest, as you must allow for taxes, association fees, maintenace.. etc.. ditto for a car.... it's truely a depreciative assest.. it loses money when you drive one off the lot.... once you see those 2 things as items and get emotional detached, you can be more reasonable about what you willing to pay and learn to live within your means BTW negatives on a credit report will not be removed, as if it's accurate information, it's staying on for 7 years, so deliquents or charge off are going to be there like it or not.. only time clears your credit record..
You make approximately $23,000 a year which means that you should be saving roughly $3,000 per year. There are a few great ways to do this. walk instead of drive or carpool Rent movies instead of going to the theater No fast food, except an ocassional treat Purchase inexpensive stock Open a savings account, and only withdraw money for emergencies Purchase savings bonds Make a financial plan and stick to it Throw all spare change at the end of the day into a jar, it adds up quick To earn the highest return on savings (annual percentage yield) with little or no risk, consider certificates of deposit (CDs) or U.S. Savings Bonds (Series I or EE). Once you select a type of savings or investment product, compare rates and fees offered by different institutions. These rates can vary a lot and, over time, can significantly affect interest earnings. As for your student loans, try these out: Americorps. If you're willing to devote a year of your life to volunteering for Americorps, you'll be rewarded with $4,725 to spend on your college debts, and a stipend of up to $7,400. That doesn't sound much like volunteering to us, but hey, we didn't write the dictionary. For more information, visit the Americorps website or call them at (800) 942-2677. Peace Corps. Go traveling with the Peace Corps and you'll get to defer most of your student loans until after you leave the program. Not only that, but you may even get some of your loans reduced (maybe as much as 70%, if you're lucky!). Call (800) 424-8580 for more details. VISTA (Volunteers in Service to America).VISTA, which is all about community development and ending poverty, homelessness, and illiteracy in the United States, will pay off $4,725 of your loans if you join in on their cause for at least 1,700 hours. Call (800) 942-2677. Military Service. Be on your way to complete loan forgiveness. If you join the Army Reserve or the National Guard after graduation, you can receive up to $10,000 to pay off your loans. If you're the sort of person who doesn't mind the occasional brush with death, ask to be stationed in areas of hostility and you could get even more money.
First make your dream a little more specific so that you can visualize it, and have a better idea of what you're working towards. What does your nice car and house look like? You may want to cut out pictures of what your car and house look like, so that they are constantly in your thoughts. Calculate how much money you will need to make your dream come true. Intend to make that much three years from now. You don't need to know exactly how you will do it, but you must believe that you will do it somehow. By believing in it, your mind will work to make your intention a reality. You'll start attracting what you need, like people and opportunities, to reach your monetary target. Regards, Derick
By going for it and believing that u could do it and work you hardest at it and never give up it will come true