Girls Only, The Aroos or the Income Flow

[caburiye1]

I just don't get it. if You tell a girl that you have a good job with good income earning $ 22/hr but no savings, she would absoutely not willing to marry you. if you tell her I got the money for the wedding and furniture saved, but with a temporary assembly job earning $ 10/hr, she would give you a big hug and take you to daddy right away. if you calculate the opportunity foregone within 2 years, you would actually see its an absolute loss of money.

So sisters, explain to me which one is important to you. The income flow or the amount saved. Please don't curse or get pist off. I know the month is ending and some of you are on the monthly period. Is qaboojiya xoogaa. Is not a fight or curse. Its an interllectual discussion.

[Oba]

[Brobaganda]

relax and breathe. you just got out of a marriage. enjoy the single life for a bit. you don't even have money for a wedding so why run towards it? it shouldn't even be on your mind. someone with only $400 in savings cannot even think about buying a phone.

your number #1 priority right now is: saving money and increasing the amount of your soldiers.

when u fix these issues, then u can think of marriage. stop wasting ur time and fix the problems u have first.

[Hyperactive]

i know i will regret asking this, but why you didnt save? ma balwad bad leedahay.

[caburiye1]

Hyper,

I do not put into my mouth anything other than food and water. I am just like a grand daddy in Jigjiga. No sigaar, qamro, shiisha, jaad nothing. I have to pay this bills every month.

Budget
Kiro-850
Insurance- 150
Family support-400
gas/unitility-100
Gaas-200
cunto -150
Loans/Credit cards- 800
telephone-100

Remember I was married untill 4 months ago. Do not forget to add the wife's Shopping.

I earn 2200 +600 a month. = 2800 a month. Would you know this when you come out of Daddy's little castle.

[igotkatzngingersnapz]

i hate weddings, mine wld b no inception. we wld sign papers and b done, then go on luxury holiday with that $ insted.

[BlackRain]

Rule not 1 : Slash your expenses by half and don't spend what you don't have. I find it stupid you paying 800 for credit cards. That 800 should have been your monthly savings and in a year you could be saving 10,000 a year. BTw, how you do spend only 150/month on food? you cook cambuulo for lunch/dinner/breakfast everyday? I spend atleast 600 monthly on food and that doesn't even include my starbucks

[caburiye1]

Rule not 1 : Slash your expenses by half and don't spend what you don't have. I find it stupid you paying 800 for credit cards. That 800 should have been your monthly savings and in a year you could be saving 10,000 a year. BTw, how you do spend only 150/month on food? you cook cambuulo for lunch/dinner/breakfast everyday? I spend atleast 600 monthly on food and that doesn't even include my starbucks

You are right saaxiib. I would be very much fine if I pay off the $ 25000 that I Owe. I am paying about 350 as interest for loans and credit card interest.

My roomate and I eat chicken Suqaar, Canjeelo amxaaro, Full, Rooti, shaah and caano. I go out to eat on arabian restaurant sometimes. I don't have a girlfriend right now so I am saving some money that would have gone to movies and Casho with her.

[Hyperactive]

caburiye, you have too much expenses for some one who owes loans.

cut the car expenses and insurence. call you credit card company and make a sattlement agreement. tell them, they eont get penny and they can mess up your credit as much as they want cause you wont make the mistake of browwi g ever agan.

offer them 40% of what your loan is. the only problem is you have to come up the amount very fast.

once you stay away from intrest, your money have baraka. your income is not bad at all.

[waryaa]

[quote="caburiye1"]
Kiro-850 - too much / get a wife who can carry her weight or a roommate.
Insurance- 150 - too high
Family support-400 ?
cunto -150 $5 a day? too low.
Loans/Credit cards- 800 (pay them off) or get new ones with introductory very low interest rate.

[AbdiWahab252]

Caburiye,


Reduce your expenses:

1. Split your rent with your roommate - $850 is too much for Minneapolis.

2. Reduce your telephone expenses - Get the $30 unlimited talk/text/web plan with MetroPCS or $40 with Simplewirless

3. Refinance your credit cards to low interest cars - Good offers available from Citicards 0% interest for 18 months.

4. Insurance - How old is your car ? Shop around for insurance because $150/month if you are a good experienced driver is TOO HIGH. I pay $90/month for a 300,000/1,000,000 full liability insurance after my university discount.

5. No Shukaansi - Its an afforable approach. But if you must, do ajanabis. They know how to split the bill.

[caburiye1]

Caburiye,


Reduce your expenses:

1. Split your rent with your roommate - $850 is too much for Minneapolis.

2. Reduce your telephone expenses - Get the $30 unlimited talk/text/web plan with MetroPCS or $40 with Simplewirless

3. Refinance your credit cards to low interest cars - Good offers available from Citicards 0% interest for 18 months.

4. Insurance - How old is your car ? Shop around for insurance because $150/month if you are a good experienced driver is TOO HIGH. I pay $90/month for a 300,000/1,000,000 full liability insurance after my university discount.

5. No Shukaansi - Its an afforable approach. But if you must, do ajanabis. They know how to split the bill.

Thanks Abti for the smart advice.

Why Faroole for Avatar abti? Did he convert to Sacad lol.

[AbdiWahab252]

Caburiye,


Anytime abti. $850 is too much for rent in MN. Check out this link for No Fee Balance Transfers:

http://www.mymoneyblog.com/best-pre-scr ... fer-offers



What is the interest rate on your current credit cards ?

[salool]

Hagbad gal oo waxaas amaaha hal mar iska bixi, musharkaaga waxa barakada ka qaadey wa ribada.Atleast hagabdu waa interest free, ugu hore yaanay ka badana 500 dollar bishi.

Kiradu waa to much for a single person, qof kirada kula qaybsado doona.

If you follow these two steps, not only you liv interest free life you will be saving mony too adigu waliba wax kasta iska bixinaya.800 dollar baad bil kasta dhigan karta.


One more thing, 150 for food? cuntadu ma sidaas bey oo jaban tahay maraykan?