I just graduated a year ago and I'm still in grind mode trying to find work in my field. I trained in Graphic and UX Design. Meanwhile, I work a sales job where my pay fluctuates heavily. I'm in the process of finding an additional part-time job. But with being a new graduate it will be a while before I build up enough experience to get a high paying design job.
Also, I have terrible credit since I've been struggling with payments and have high debt. I was maintaining when my commissions were high but now it's the slow season, I really need an extra 500 a month to maintain. However, I would have to work over 60 hrs a week to do so. I want to pay for everything but I need to keep my sanity too and have enough time to work on my design career.
Income - 2000K-2400K mo
Lately, I've been only at 2000
Credit Card Payments - 300 mo [Total debt 13k]
Student Loan - 438 mo [this is interest only] [76K total]
Private Loans are in repayment at 11% interest. Federal is not.
Car Payment - 250 mo 10% interest [Total 12k]
Not paying because I can't afford
Medical debt - [195]
DMV Ticket - [500]
Old Tolls - [50]
Overdue Taxes - [112]
Living Expenses
Food - [200 mo]
Rent & Utilities - [600 mo]
Car Insurance - [168 mo]
TV - [35mo]
Gas - [50 mo]
Website Maintenance
Web builder - [10mo]
Email - [5mo]
Misc
Cat Food & Litter [70 Bi-Monthly] (Cat has an allergy expensive food]
Hair Stuff [Tri-monthly 40] [Black Woman Hair stuff]
Extra Food -snacks etc [50-100 mo]
Movie [24 do] I go to the movies every couple of months
Submitted June 24, 2018 at 10:59PM by destiniaelise https://ift.tt/2KhXkgw