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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

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