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Hi, did anybody ever experience wrong tax calculations by JPMC Payroll/tax team ? Or is there any specific month where they deduct more tax. Huge amount of tax deduction is done for Oct payout. From my CA’s calculation the amount deducted by JPMC team looks wrong. Anybody experienced this?
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European perspective here. Its so crazy to read about the massive debts 😅 took a 10k loan for a car and feeling super bad about it but you guys are killing it!
This is America debt or bust
I gave up credit cards about 7 years ago. Love the financial mental and emotional freedom I have now.
Youre missing out on huge points
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I had $10k+. I cut up my card and went cash only. Paid as much as I could each month until it was paid off. Recently, I started traveling for work again and ended up with $1k on the card. Immediately paid off $500 and will pay the rest down asap. Won't be using the card until it is zero.
On parental leave so my debt has risen to around 10k but will be able to pay it back in full with my first salary once I start working full time again
I have 1K. Made some large purchases recently. Typically maintain it close to zero. I maxed my credit cards once upon a time and I will never do that again
Zero rolling balance. I pay it off every few days. As for payoff strategies, look for zero-introductory rate offers, pay off as much as possible every month, then rotate the declining balance from one intro period to the next.
Have you tried looking into what you’re spending each month and figuring out what you can cut out and where you can decrease potential costs? Eg. switching insurance providers; do you really need that subscription; can you decrease going out / eating out / entertainment budget, etc
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We had about $15k combined when we got married. I took out a loan at my credit union with an 8 or 9% rate (our credit cards were >14% at that time), paid off the cards with it, and then we paid off the loan over 5 years.
We resumed using 1 rewards credit card before the loan was paid off but committed to paying it off every month, and we have - it’s been over 10yrs now. But it’s a slippery slope; I can see how someone can lose control and go right back to overspending and end up worse than when they started.
I pay down to zero every Monday morning. Always have. Keeps utilization percentage down and credit rating up!
$5k on a $60k limit. No rush to pay it off.
I pay it off in chunks..
My fiancé and I usually have 1-2k revolving cc debt that we pay off each month. However with the wedding we got a new card with 18 months of 0% interest to put some of the costs on there and that card has hovered at around 5-6k. We throw money at it when we can but feel like we will have plenty of time after the wedding to pay it off. If you have credit card debt you should look into transferring to a card with 0 interest payments and try to come up with a feasible monthly payment to get it paid off before the 0 interest runs up.
I have like 6k, worst it got up to was 12k. Living totally beyond my means, need to fix this
We paid off a massive amount (~$40k) of cc debt about 4-5 years ago.
Luckily we currently have 0 in credit card debt. Generally use an AMEX for about 70% of monthly expenses and is paid off every month. The remaining 30% of expenses comes straight out of our bank account (ex our mortgage) We sometimes use a credit card for big expenses to spread out over a couple months, example updated our water heater and got replacement tires for our car, was $3k in total and paid off over 2 months.
Paying off your credit card debt is a huge step financially, and gives you so much flexibility.
$10k this month, but I pay it all down to $0 each month
I don’t carry cc debt, unless CPC gives me 0% interest. Then I take it all. (Happens at least once per year, often at a minimum 4)
Dave Ramsey. Look him up.
That dude scares me.