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July 28, 2021, 1:28 pm

I owe over $100, 000, but the majority of that will be forgiven after 10 years of payments through the public service loan forgiveness plan. ) Car Payment: $210 ($8, 000 remaining, 6. 5% interest) Phone: $85 (I'm in a contract. It can't be eliminated for another year. ) Climbing gym membership: $65 (My only form of exercise and biggest social activity. I'm not willing to give it up. ) Internet: $35 Car Insurance: $65 Credit Card: $50 ($950 remaining, 8. 5% interest. I always pay at least $50 a month, but I've been putting most of the difference in my new salary onto this, as well as anything extra I earn. ) Gas: $120 Food: $250 (Groceries and eating out with friends combined) Household and pet supplies: $120 Fun: $60 That leaves me with $440 left over each month, assuming I put nothing into savings. It doesn't include things like clothes and haircuts and oil changes and dentists, so I'd like to maintain a small cushion for things like that. Additionally, $60 a month for fun is not a lot when you're young (well, 30) in DC.

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