Hey Reddit
Made a throwaway account as I am embarrassed to be in this position, but through therapy have found strength to ask for advice.
I am 27 and in desperate need of guidance after a decade of bad habits. I quit my job 2 months ago without another lined up as it was becoming toxic, abusive, and critically endangering my mental health stability. I applied for unemployment and am still in that process (have my interview next week). I also signed up with my city's job center and am actively applying. I was passively job hunting since the beginning of the year, and now it is all engines running.
I am committed to doing better and need help formulating an attack plan for the next, well lifetime, until I battle my way out of debt
Here are my monthly expenditures:
- Rent, $1200
- Renter's insurance, $7 (required for my building)
- Gym, $15
- Food, $150
- Transit, $100 (unlimited metro pass)
- Internet, $50.99
- Cellphone, $30
- Electricity, $300 (billed every 2months)
- Therapy, $280 ($70 a week, no health insurance right now)
and then my loans/credit cards
- Private loan: $16,000 ; 6% interest
- Chase credit card: $4,000 ; 25.99%
- Capital One: $12,400 ; 22.05%
- American Express: $10,840 ; 21%
- Student Fed Loans: $36,800 ; deferment
I know without stable income as a guide, it might be hard to get advice. But I want a plan of attack to work on now as I eventually start bringing in more money.
More details: Currently live in a studio. I do not have family to ask for help, they kicked me out when I was 17. I don't have close friends and of the ones I know by name, we are all pretty much struggling. My last job I was making $33k. Credit score is 580, I racked up a lot of credit card debt being young, dumb and vulnerable to people who took me in, not going to beat myself up over it further. I am relatively in a much better place now mentally and want to work on getting the rest of my life stable.
I paid July's rent and the rest of my bills earlier this week and that officially brought my checking and savings account balance to $0. I am applying to everything like I said earlier and earlier today submitted my information to start delivering food for PostMates and Uber on my bike.
Please give me all the advice you have and tips. It is not an excuse, but I never had proper guidance on how to make responsible healthy choices. I put in the work in therapy, and am ready to put in the work now to handle and attack this. I will research and learn on my own as well starting with this sub's wiki.
If anyone has been in a similar life situation, I would love to hear advice and experience.
If you need more information I am happy to answer questions, new to this so appreciate it all, thanks.
Edit : added student loan debt
Submitted July 05, 2019 at 08:38PM by Asking4HelpIsHard https://ift.tt/2XuITYS
