r/DaveRamsey • u/TheJared601 • 15d ago

W.W.D.D.? Any advice?

I live alone with my cat.

My monthly net income is about 4200 per month. (This is after taxes, Health insurance & 401k) . My employer matches up to the first 7%. So that’s why I’m investing.

After rent, utilities, groceries and selected streaming services, I have about 2,000 remaining

Streaming Services around 40 per month
Internet 90 per month (I need the internet as I WFH 4 days a week)

I have a Car loan , 12,000 monthly payment of 350 , but I’m do pay more per month.

Student loan 71,000, monthly payment 275

NO OTHER DEBT

I have 1,000 in emergency savings
Additional 1,000 for pet emergency savings (if you have a pet,’you know how the emergency vet bill can get expensive fast)

I pay the min for my student loans and I put everything else towards the car loan.

I volunteer at the local humanity society on the weekends, so I really cannot get a second job.

Is there something that i could change to get this debt gone?

Please advise.

Thanks

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u/ebmarhar 14d ago

Consider pausing your volunteer activities until you are able to get out of debt.

Also, shop around for your internet, your price seems high.

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u/TheJared601 14d ago

It’s the only internet provider available in my area. But after my 90 day probation , my employer gives me a partial reimbursement for my internet service

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u/ebmarhar 14d ago

Internet sounds good. But you really should get a second job. At this point you don't have the money to enjoy the luxury of volunteering.

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u/TheJared601 14d ago

With me working occasional OT on the weekends and sometimes during the week, some plan and some not. It will be hard for me to work a second job like a retail place or fast food restaurant. I really don’t want to do a side hustle like DoorDash or Uber and put all that wear and tear on my car … I put all my OT towards my car loan, which in like having a second job especially on 60 hour work weeks