Ana,First off Congratulation on the PhD acceptance. That will be a long hard road ahead of you. Curious as to the subject you are persuing and do wish you the best of it :) Sounds like you really need to sit down and make a few budgets playing a few different scenario's. One with help from the Boyfriend as he suggests it. One with how you think things should be. Then perhaps a third that you play around with doing trade offs of various different factors. You and Him need to both discuss it throughly. Also need to really get a good handle on the costs involved at school for tuition, books, room/board (rent) what have you plus you bill.Personally, I am/was learly of mixing money with a boyfriend/girlfriend situation versus a married situation. Up until two years ago, my wife and I each had our own accounts still, even though we'd been married nearly 3-4 years. Not that we were afraid, just never took the time to consolidate the accounts to joint ownership of a single account versus 2 or more. Never-the-less there is a risk in mixing money that the other party could just up and leave and there really would not be much legal recourse. (I am not a lawyer - so take what I say with a grain of salt). I have a feeling that once you work out the budget most of your questions will be answered. That might mean a fw phone calls to the university or friends. It should at least tell you what you can afford and what kind of income you'll need. Also think your making the right choice to get out from the CC Debt. As far as the Car payments you might be stuck with them, but factor that in your budget. Your right about defering payment of other student loans till after your next graduation.Enjoy the classes :) Bottles Rob
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