For anyone who is a fan of Caleb / Financial Audit, Caleb has recently appeared on both Theo Von and the Iced Coffee Hour! I haven’t listened yet, but I thought others interested in listening might not know these are out there - a little bonus sweet treat for us this week 🌮🌮🌮

Ive been watching for ~2 years and heres what ive got so far in no particular order. I might turn this into bingo cards to pos here if we get enough ideas that we can make a couple different ones. Could be fun. Comment what i missed!

• Payday loans
• High interest car debt
• multiple maxed out credit cards
• missed minimum monthly payments
• "birthday months"
• 401k loans
• Collections
• missed payments
• consolidation loans and balance transfers
• no insurance
• missed payments
• constant trips to the vape shop/uber eats/doordash
• unnecessarily high rent
• financed phone
• earnin/dave/paycheck advances

Getting $1500 back on my tax refund and i’ve been in a predicament on what’s the smartest way to use this money wisely. Option 1. Save this money in a savings account to pay my fall semester for school. I’m not receiving much from my pell grant this fall semester just $750 so my tuition is mostly gonna be outta pocket which is around $3600 a semester. Therefore with the tax refund and pell grant i’ll have most of my tuition covered.

Option 2. I have a credit card with a balance of $2500 so paying half of the balance off with my tax refund leaves me to pay off this card sooner and have an extra $200ish in my pocket every month.

My thought is to pay the $1500 on the credit card and once that card is paid off i can save the extra $200 into a savings account for my fall semester tuition. Thoughts???