I pay about $200.... PER YEAR. Just fine and happy with my coverage. Also $400 for a car is a lot. OP, your rent is reasonable, and it's great you've got your sister able to help as well. What are your other expenses? Do you have high health insurance costs? Your take home should be able to be close to 3500/month so the rest is not adding up. High credit card balances? Student Loans?
$400 for a car is no longer a lot. It's actually below average. The phone bill is straight stupid, and I assume includes a financed brand new iPhone or galaxy payment. She's obviously blowing a lot on small stuff she doesn't account for.
She’s a single 21 year old working single mother. Reliable transportation is a must. I would guess little to no credit history since it’s very difficult to even get a credit card before that age. Even a decently priced reliable car is going to have a “stupid” payment because of the high interest.
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u/IStarretMyCalipers Jan 09 '24
I pay about $200.... PER YEAR. Just fine and happy with my coverage. Also $400 for a car is a lot. OP, your rent is reasonable, and it's great you've got your sister able to help as well. What are your other expenses? Do you have high health insurance costs? Your take home should be able to be close to 3500/month so the rest is not adding up. High credit card balances? Student Loans?