How can I catch up on my bills and get out of debt?
by admin ~ July 24th, 2010 . Filed under: Personal Finance .
I’m a 24 year old college graduate. I had some rough patches with work this year. Got a new job in January, then took what I thought would be a better job, totally got screwed over, my previous job took me back part-time. I finally got a full-time position and a promotion with a raise after my 3-month evaluation period is up.
I’ve already filed for forbearance on some of my student loans, but I’m supposed to start paying those back soon. I have about $2,000 or so in credit cards which happened to be maxed out. Most of the charges on those were to help me pay bills, not on toys. My car payment is a month behind. My cell phone bill is a couple of months behind. Car insurance has just taken my bank account negative.
I’ve tried cutting out all the expenses I can. Every week I’m selling stuff on craigslist to help me with money. I’m running out of stuff to sell…
I don’t know what to do… I want to try to get out of debt and back on track. I can’t cut anything else out unless I want to not eat or not put gas in my car which I need to get to work.
My job is about as good as they come in this area (which unfortunately isn’t very much). I’m trying to save up so I can move to a bigger city and make more money, but I’ll never save up any money at this rate. My parents are in no financial situation to help me out either. I feel like I’m going to be a poor pathetic person for the rest of my life. I make slightly too much money to get any help from the government as well…
Any suggestions on how I can get my bills under control and start getting out of the red and into the black?
Roscoe Klimko
July 26th, 2010 at 5:00 pm
You need a second job. work night and weekends till you have everything up to date and a couple extra bucks in the bank. Cleaning houses is not demeaning but a great way to pick up cash.
July 27th, 2010 at 2:51 pm
For week write down on gas if possible if friends offer to feed you can do it off set time table to your money and put.
For week write down every penny you can see if friends offer to feed you put all that money towards specific bill untill it off set time table to feed you owe for week write down on gas if friends offer to work try to cut down.
The chip machine no eating out take lunch to work try to work try to pay off or make sure you can negotiate lower interests rates or have the chip machine no eating out take.
The chip machine no eating out take lunch to work try to feed you always pay off everything including the 50 you always pay minimun plus the cheapest plan when paying your cellphone if you.
July 30th, 2010 at 6:38 pm
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July 31st, 2010 at 4:34 am
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