I will try and simplify it as much as possible but can elaborate if requested in comments.
I'm in a financial pickle and I'm not sure what I can do about it.
About Me:
Age: 29yo
Current Location: Oxnard California
Job: Security Site Supervisor (10 years) (Highest pay rate in my district for my position)
Child: 8yo Autistic
Child Location: Moorpark California (Lives with Mom)
Visitation: Every other weekend, Every Wednesday afternoon
S/O: 26yo professional woman. Makes less than I do and works twice as hard.
Relationship: 5 years
Living arrangement: 1 Bedroom Apartment. Split Bills (kind of, can explain if needed). Don't share finances.
Family: Basically just my Grandparents (retired)
Finances: (Me only)
Income: 18.25/hr * 40hr/wk = 730/wk * 4wk/mo = 2,920/mo - (Taxes+Insurance)
Take Home: $2,279/Month
Bills: (My Half) (Not including gas, food, etc.)
Rent: $550/Month (Lease up in November)
Phone: $180/Month
Internet: $40/Month
Utilities: $100/Month (Give or Take)
Renters Insurance: $13/Month
Car Insurance: $150/Month
Car Loan Payment: $243/Month (Technically personal loan. Can explain why if asked) ($9,200 remaining)
Child Support: $624/Month (Mother doesn't work)
Therapy: $80/Month (CPTSD, Depression)
Debt: $318 (Consolidated, 1% interest)($12,000 remaining)
Total: $2298/Month
Income - Bills = $-19/Month
Career:
Location: Oxnard California
Performance: I am really good at my job. Once reason I get paid so much is because my client doesn't want to lose me.
Promotion: Passed over for promotion due to lack of degree. Only have (GED)
Benefits: 3 Weeks Vacation, Health insurance through work. Free Life Insurance.
Desired Career: Engineer. Highly logical. Take to scientific and mathematical concepts easily. Very mechanically minded, learn in my free time.
Barriers: Lack of college degree. Make too much to qualify for Financial Aid. Apprenticeship programs only pay a max of $15/hour and all are far from my son. Mental health/stress. Visitation schedule. Couples and personal therapy. Extreme exercise educed asthma (Immune to albuterol)
Tried:
-Consolidation
Considered:
-Bankruptcy
That's about it... Honestly I don't know what to do. I have asked co-workers, family, etc. No one has any ideas. The only ones I have are either breaking up with my GF and living in my car (Getting a hotel room during visitation. GF pays for 100% of the food that I eat. I love my GF and we are happy together.) Or making a plan on what I will do if my debt gets paid off, explain my story, and start a GoFund me.
So yeah... Any ideas?
Submitted June 10, 2019 at 09:04PM by 10YearSecurityGuard http://bit.ly/31pzuov
