I've ignored this mostly due to feeling like I've never been able to get ahead financially. Moving states, people stealing from me, leeches of friends and relationships. I have to do something while I have the chance.
I currently have 18,638 in student loan debt, it's probably defaulted. I have 3,375 in credit card debt thats gone to collections. I have no degree (I dropped out). I now make 16/hr working as a manager at a restaurant. Roughly 2200-2400 per month. I don't need anyone to tell me exactly how much money to put where necessarily, but I don't know what I should be doing right now. I put 500 as a big payment on the credit card debt today and setup a payment plan of 320/mo for 9 months to try and eliminate that. I don't know how to start paying off the student loan debt. I went to fsaid to look at my debts and where they are/how to pay them but it said that I need to wait 1-3 days for it to verify my records. I also have about 2k in an ira that I earned from a previous job that I have been very tempted previously to take from but thankfully I was smarter than that. At least I hope it was the smart thing to do.
I'm mostly looking for guidance on where to start, My expenses probably dont exceed 1500/month (did quick rough math) I also have no savings as I've been screwed over by previous roommates while I first had the job so 1300 has been lost in that process. Now that I'm out I need to start digging. I'm sorry if this is all over the place. I'm kind of lost. Thanks
Submitted May 15, 2019 at 08:03PM by Mmetz921 http://bit.ly/2JGAqyA
