Hey guys, so I'm not sure if this is the right sub, but a few months ago I found out I'm gonna be a dad. I'm stoked, I'm not the most financially responsible person in the world I did a lot of partying and living in the moment I hate to admit. I'm 23 years old iv jumped from job to job I quit my job at one point a few years ago to go backpacking across the u.s. an adventure that kept me busy for a year. I have 2 credit cards 1 that's in collection I'm sure, that is only 300$ and one by my old bank wells Fargo. That one's 800 but with all the late fees it's like 1200 now. I'm currently with a credit union, my last bank closed my account. I have a few traffick tickets that are unpayed and I think like 3 hospital visits unpaid as well. I also owe t mobile about 1000$ Anyways long story short. I know it's time to put on my adult pants and put in some serious work. I haven't been unemployed for the past 2 years so I held my job and I'm sure I'm gonna make this my career I'm a BMP at a mental health clinic. I'm looking to getting a second full time job to start paying things off. But I had a rude awakening at a car dealership and the sales associate made me feel very overwhelmed and panicked to say the least about my credit, in his words "you beat your fucking credit with a shovel pissed and shit on it buried it then proceeded to piss and shit on it again" so I'm trying to do something about it. I know it will take a long time but I just don't know where to start. Please help I wanna be a responsible dad
Submitted October 01, 2017 at 12:08AM by half_natty_ http://ift.tt/2x5wN02
