u/dankestjess

Hi all! Currently residing in Texas with my husband and last year we MFJ because we didn’t think ahead and now this will be affecting my new payment. Our joint income last year was 94k which increases my payments from $115 on SAVE to roughly $450 on RAP. Next year I would like to file separately but we live in a community state (Texas). I was wondering if anyone had experience with filing separately to lower their payments. My spouse’s income will be increasing dramatically as he got a new job with a much higher income than our previous year.

Our numbers
My income: 57k on paper 51k take home
My federal debt: 97k as of today
My private loan debt: 113k (no forgiveness for these student loans)
His income: estimating 150k on paper
His federal debt: 17k
No children
Living in Texas.

According to the student loan calculator if we file separately I will have my payments go down to $250 which is way more manageable. He is currently on a standard plan because his debt is so low. Am I correct in going forward with MFS for next year? Since I have private loan payments that is why I’d like to MFS because I cannot afford both super high payments (private is 1200 a month already) This is also hopefully our last year in a community state. Texas also has no state taxes if that helps.

Just really want to make sure I’m planning correctly.

I’m somewhat losing my mind. Located in Houston and we recently hired a rover sitter to watch our cats while on vacation. It was our first time and things went well but we noticed our cats scratching a lot more than usual. Lo and behold they had fleas, and unfortunately they were not on preventative medication. We took them to the vet and got them on medication and will be giving it to them monthly. This timing was horrible because we were also moving apartments. We threw away all cat related items and rugs, cleaned all the bedding and clothes, and even washed and vacuumed the couch.

We left the cats in the old apartment a couple days to let the medicine do its job. Apartment is all vinyl and tile flooring and we thought we were in the clear. As we were cleaning it out I noticed a flea on the floor. Another day and my husband got bitten like several times. We bought pet armor home spray and sprayed it June 9th. We’ve been in our new apartment since June 1st WITH our cats. I went back to spray again and walked out and noticed at least ten adult fleas on my jeans, not jumping but still alive after I had sprayed.

I sprayed all the baseboards around the entire apartment and even walked around stomping a bit before spraying to wake them up. I’m hoping this will finally get rid of them and I also left some water traps. There are no living things in that apartment just some big furniture we need to remove and throw away.

I’m really worried our landlord will be upset but he left us with a German roach infestation when we moved in. New tenant won’t be in until July 15th.

Do I spray again? Vacuum? What if they swarm us during the move out inspection. Our landlord fully expects us to clean before the new tenant, he doesn’t have plans to clean professionally at all.