I don't know how much information I'm allowed to post here, but I'll try to make a base.
I make 17.50 an hour and work in Minnesota, generally between 38-45 hours a week without overtime (small business)
I currently have about $140 to my name right now.
I have 3 credit cards, all three of which are nearly maxed out. 2 with around a $1000 limit, 1 with a $500 limit.
I have rent due in 4 days (1st) of January, which is around $400.
I am paid up on all of my utilities.
I'm wondering how I could go about getting myself out of this situation. I don't have family members able to help me out, and I feel like I'm sinking myself deeper into a hole. I don't have my license and am unable to drive, so I generally uber to work everyday. This costs me around $7.50 a day, because public transportation is much more difficult (I would have to wake up 3 hours earlier to make it to work on time, and the cost is $1.50) I try to buy groceries, but am never sure what I am willing/able to make, so I eat out a lot. Not everyday, but at least 4-5 times a week. This can range from $8 a meal to $16 a meal. I often times will eat canned foods, frozen meals, cereal, sandwiches, etc... which is a lot cheaper than $8/meal.
I am awful at saving money and have never been good at it. I spend money like it isn't a problem. I understand my habits are bad and need to change, but I don't know where to start. Any advice would be amazing. I make a fair amount of money for someone in my position, but it isn't like my funds are unlimited. I have tried opening up savings accounts, but usually the balance is around $0 because I end up taking out whatever I spend or it gets deducted in fees. I bank with U.S. Bank.
Thank you to anyone who would even like to attempt to try to help me.
Submitted December 28, 2018 at 03:04PM by jakeuten http://bit.ly/2LCvhGI
