It hurts my heart that you are paying capital gains tax every year. I recommend that you consider contributions to a traditional IRA to reduce or eliminate that tax.
I would rather give up a weekend in Cancun, Mexico when I'm 25 than wonder when I'm older: Do I want to take my heart pill, or do I want to eat?
She should make a commitment to some overtime each month, perhaps one weekend. Every dime of that overtime should be committed to an additional payment to the top card on the Obnoxious List.
The higher return might well be in reducing this debt as quickly as prudent.
But she is young, and it takes courage and stamina to organize that effort with one's creditors. It will be success from a position of strength, not a demeaning negotiation for reprieve.
Everyone is gearing up, checking their finances and insurance. Fall coincides with that back-to-school mentality. The summer vacations are over now and it's time to square up and roll up your sleeves.
These four companies are currently players, and are both not likely to hurt you and are likely to continue to be players.
Whoever is reading this today is going to live longer than the generation prior to them, and they may live longer than they may care to think about. So you need to carefully address your retirement account. This is not a flippant thing.
It's an informational tool like any other investment or savings document. I am thrilled that the Social Security Administration is (mailing out statements annually).
No one is really that good at reading the crystal ball. (Dollar-cost averaging) puts in place a pattern of purchasing behavior that in time will average out to be good.
