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December 21st, 2011, 08:29 AM
~Kris~ ~Kris~ is offline
Platinum Supermommy
Join Date: Oct 2006
Posts: 32,940
My (potentially brutal) honest thoughts:

~$400/month of fun $ (his/her blow money, cigarettes, gymnastics and other activities) for your income level seems excessive to me

You may want to reconsider lowering your contribution to the mutual fund since you are carrying over $34K of debt.

There's not much you can do at the point since you already swapped your car, but I want to point it out anyways so maybe you will rethink future purchases. Increasing your debt by $14K for a job that you only make $1272/month at it, means you are essentially working for FREE for a full year just to have that larger vehicle. Now you won't be working, which means you dug yourself into a larger debt hole for nothing.
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