Pretty sure the only solution to my problem is: "go find a second job and work two until everything is paid off and you have savings" but I'm going to ask anyway. I want to eventually stop renting, and have money to save for emergencies and retirement. AT this point I don't see it happening ever.
So firstly, I want to say that I've checked the "35-45?" on the sidebar, and none of that applies to me so I don't know where to look for advice. From the age of 21 up until last year, I was with my ex who had control of our finances. I was not allowed to touch them, but was given about $250 a month to pay for clothes, games, and the like, so I'm literally doing this for the first time since then, which is why the sidebar doesn't apply to me. I have no real estate, about $5000 in my retirement, and no idea what to do going forward. Before that, I lived with my mother and worked part time. This is the first time I've been on my own (pathetic, yes I know).
Income: $2020 a month (There is no advancement for my job, I'd have to get a degree to find another job and I can't do that)
Rent: $900 (850+ 30 cat + 20 water)
Insurance car+rental ins: $139
Car payment: $389 (This has been refinanced, and it's down from $465)
Food: $250 (includes pet stuff)
Phone: $45
Gas: $40-ish
Electric: $80-100
Credit cards: $110 ($35, $40, 35 one of these is down to $171, other $1200, last $1242)
Furniture: $65 ($775 left on this, when I left I had just clothes and had to buy everything)
Internet: $117 (Verizon screwed me big time on this. Was supposed to be $75 with taxes/fees/ everything but no matter how many times I fought, this is the only thing they would give me without charging me $350 in cancellation fee because "It was already put through".)
Medical: $80
Now the big issue is, I am going to have student loans smack me in the face soon. Unfortunately, even though I still don't have a degree, I can't put off paying this anymore so incoming an additional $300.
SO my question is, do you see any way out of this situation? I am already behind as it is, so, I'm not sure what to do to make my situation any better aside from either getting a personal loan to combine what's left of my furniture and credit cards into one smaller sum and free up $100 or so. That's all I got. Oh and to get a part time job. Other than that, I'm lost. Any advice? Oh also I use YNAB now, it's the only way I can keep myself from going more insane than I already am about this.
Edit: Also I don't know if this is debt or planning so I'll stick it in debt for now.
Edited edit: I also wanted to actually finish getting a degree, and work up to getting a bachelor's, but, considering I have no money and would have to pay for it with a personal loan of some sort, I don't think it's gonna happen ever but that is something I'd like.
Submitted June 07, 2017 at 09:15AM by Samuraipizzacat35 http://ift.tt/2r1TEGN
