My and my daughters IULs and critical illness insurance.

Ashley card is 0% apr until it's paid off if i pay 110/mo to it. 109/mo and I get charged all the interest, probably a couple hundred bucks or so.

No ads is why i pay for it, but once I get the new job, I think I won't use it nearly as often, if at all.

I think the tax rate is around 8 or 9% for tax/title/license and a year of late fees at 25/mo (maxing out at $200). And yes, currently unregistered

That makes sense. Also, I'll be dropping hotspot once I'm home every day.

Phone bill is high bc I need hotspot on my phone to play wow while I'm away and i have my tablet for watching tv and such. Usually I'm gone for the entire month except for a couple days. My roommate is moving out and i just re-signed the lease or I'd be moving for sure. I've only had the internet for a few months, but I will likely reduce the bandwidth it since I'm paying for it alone now. Public transit is definitely not an option, unfortunately. But i am thinking of selling my car and getting a much cheaper one. Six flags I'd say isn't a need, but they don't offer the plan I'm on anymore, so if I get rid of it, I'll never get it back. Plus, I only live about 20 minutes from one, so we go there all the time. I am considering dropping the car wash to maybe 10/mo or even 0 most of the time, especially if I get a different car. I cant stand ads at all, I cant use YouTube, spotify, or pandora with ads, but I will likely drop pandora and maybe YouTube, too and just stop using those services entirely.

Oh yeah, i currently only drive about 600 miles/mo which is maybe $100, but it will increase significantly when i get the new job since i will be commuting daily instead of once/mo. I was considering dropping from the 1000 mbps plan to a lower one that is cheaper since its only 2 people living there, me and my gf. If I'm able to register my car and then sell it for more than I owe, that'd be a good route for sure, but it will be close to $2700 to register it. I don't think I'll be able to get a lower rate as it's only 2.2% apr right now, so refinancing may not be an option. Obviously drop the car wash, maybe just pick it up in the winter for the underbody wash so my car doesn't get rusty from the salt. I still owe on my phone, so i can't really change phone plans and the internet is included with my att plan. I also forgot to include 100/mo from tmobile which is from my old phone plan. I never had any service and they constantly were raising my costs and going back on the deals that I got when i signed up and spent around 10-15 hours/mo on the phone with them.