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cmdrmcgarrett t1_j6iysut wrote

$1250 rent is this being split between you two already? If so, where are you living? Gold Coast.

You need to split this rent, groceries, and utilities between you two. Even if it is a 75/25 split because you make more. Be fair but if you have a roomie, no free rides unless you can really afford it. Looking at this, you need help. As I said even if she is working PT, she can contribute also.

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Beachboo07 OP t1_j6iz6s5 wrote

$1250 each. Lol a wish .. New Jersey. It is quite expensive here and limited on options unfortunately.

This list is all for me, but as I stated groceries and utilities may vary and those are the maximum for EACH. I doubt utilities will be $200 a month total, but am preparing for the highest possibility.

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cmdrmcgarrett t1_j6izznf wrote

Geez. Come to the Midwest. Some cities here are about $1500/mo for decent 2br in a decent 'hood.

$400/mo in groceries? Caviar? Just kidding. I am about $300/mo for single person. I do cook a lot and take leftovers for lunches tho

It is doable but a bit on the tight side. Might want to play with numbers between savings and other things. Like I said tho. Make sure this other roomie does not get over their head because if she has to bail, you cannot afford to solo it at $2500/mo rent plus rest.

Do your student loans have interest? If not, defer them to a bit less per month if possible. It there a time limit on them? ( Sorry, I am wayyyy da hell to old to remember or even have student loans so I dont know)

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Beachboo07 OP t1_j6j4say wrote

I wish lol .. unfortunately my office is in New Jersey and I have to go in every so often :/ hoping to get out one day.

I think I could work on my food budget .. but I like to eat healthy and enjoy cooking so I don’t want to restrict myself too much. I’ll have to test it out ..

The roommate has been a good friend for the past 5 years and she works full time. I’m not worried about her bailing but will definitely have a conversation beforehand about money and stuff!

I have 40k in private loans at 3.9%. Unfortunate but I’m accepted it and have a plan to have it paid off within 6 years maximum. My minimum payment is $275, but I do $500 to knock off a little more

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cmdrmcgarrett t1_j6j654a wrote

Excellent on paying the loans of asap.

I wish you all the best in your new endeavour(sic).

Hope all works out for you two. It really seems like you have everything planned out.

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Beachboo07 OP t1_j6j6eb2 wrote

Thank you! That means more than you know. I wish you the best as well :)

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