Female, 23, not a student/graduate.
I've tried budgeting, planning, etc, but things always come up or I mess up. Something unexpected that I thought I canceled a year ago comes out of my bank account when it's low, overdrafting it, fees pile up since now everything I'd planned on paying gets overdrafted, etc. I grew up in a paycheck-to-paycheck family with very little financial knowledge of my own, realized all of this and have been actively trying to find out how to get back on my feet, pay off debt, and start saving for the future. I'd be happy with just paying off my debt for now lol.
I work one full time job that I love and earn between $200 - $270 a week from. I work a second job 15 hours a week and earn $200 every two weeks from it. My second job is stressful, difficult hours, and I'm unofficially in a management position working for starting pay because our last manager quit. I'm very highly considering quitting, since I can get the same job at a different company, and make twice as much just from tips (at the current company, we can't accept tips).
My only other income is the ocassional $20 a month from a shared Starcraft Etsy store, and I just did a whole shebang of spring (fall?) cleaning so I'll be making a small profit off some old clothes and things selling them online.
However, I currently OWE a lot of money to a lot of different things, and I don't feel like I can efficiently pull it off.
My first priority is to pay the $650 I owe to my friend. They helped me out at the beginning of summer when I had an emergency that prevented me from working, so she spared me rent and a couple other expenses. This debt, while I've slowly been paying it off, is still a large sum and I can tell it's starting to affect our friendship. It wasn't supposed to reach such an extensive amount in the first place, so I want this to be my first priority.
Other than that, I have a Wells Fargo Credit Card maxed out at $400, student loans that add up to about $4,000, and my Toyota Corolla was repossessed in June. I still owe $8,500 on it. If possible, I would like to find a way to get this back, since I'm currently borrowing my friend's vehicle while they use their motorcycle to get around.
My monthly expenses are: Rent $250 (roommates) Bills (Water, Power, etc) $150 Cell Phone $100
I spend approximately $100 in gas a month, and my work schedule has been so hectic that I've been spending $5 - $10 at Taco Bell every day. I haven't bought actual groceries for awhile, so that isn't really an expense I'm worried about.
I admit that the rest of my income the last few months, I have been a bit frivolous with. I've cut down enormously in the last two weeks, and plan to cut down to the bare bones starting now, so hopefully that will help.
Either way though, I'm in a bunch of debt, essentially vehicle-less, and I don't know how to get out of it.
I'll take any suggestions and look into any of my options, so, please, throw your advice at me!
Submitted September 12, 2017 at 08:43PM by redthrowawayme http://ift.tt/2f4wpHr
