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Japan thoughts..question bout income ratio? ?
Views: 99
Replies to This Discussion
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Permalink Reply by Anti M on
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"income to debt ratio"
One of the things they check for a sailor is income to debt ratio, and that includes the dependent's debt, but not the dependent's income. I haven't ever looked it up, but I think a service member can't have more than 30% debt and go overseas. It makes them a security risk. They get new orders, and financial counseling.
They can't count your BAH as income.
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No. The only marriage chit I've seen denied was one I signed! In Japan, the female sailor was only 17, and we knew she'd met the Air Force guy just three weeks before. Which meant they had been on TWO dates! Oh, and she was um... inexperienced. Very inexperienced in physical matters, let's say, and he was older. Because she was underage, we could deny her.
Debt wouldn't prevent a sailor from marrying, but it could get their tail in a sling down the road if they couldn't meet the financial obligations they incurred by marrying a spouse in debt. Debt belongs to both halves of a couple! That could also prevent the spouse from going overseas, yet the sailor would still have to go.
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Permalink Reply by abuon18 on
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Thank you Anti M! Luckily I don't have too much just my car loan & a credit card! But my fiance has 3 credit cards and 2 student loans.
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Student loans can be a heavy weight, but at least he has money coming in to work them down. Credit cards take discipline, they can run up scary fast if you aren't careful, huh?
Yeah, we have a mortgage, a bike loan, and a couple other things! I manage the money, so our debt is really pretty small, I won't carry a balance on a credit card. We either pay them to zero or we don't use them. Utilities are always on time because I use direct pay. His Navy retirement pays a lot of the bills,and he works, so we aren't rich, but we're okay.
I feel really bad for my two widowed SILs, one has lost her house, the other will lose hers in a year or less. So sad, but I can't bail them out. If you EVER buy a house, be sure to invest in the insurance which pays off the mortgage if the breadwinner spouse dies. My oldest brother died without insurance (dumbass) and the other left good insurance but his wife blew through it on appliances, trips and going back to school. Sigh. Now she can't get even the lowest paying job out there, she has no work history. Makes me feel guilty for being relatively secure.
Sorry about the ramble, my family has been on my mind a lot.
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