So a few months ago I posted about how I was homeless and trying to get my life together. And it's been going pretty well. I secured an apartment, got a new laptop and phone and now I'm trying to plan out my future. Right now I make $16.50 an hour working at target with living costs (public transit, rent, utilities, food, etc) at about 900/month but I want to start saving and planning for my future. Over the last 5 years I never budgeted more than a week in advance because I was homeless and felt like I had more pressing issues. 2 weeks ago I went online and checked my credit and it's a 400 with 20k outstanding debt (6k housing debt from an apartment I abandoned 3 years ago, 8k in medical debt, the rest are things like a credit card, and a few lease to own places) I want to go to school and finish my degree and things are a mess financially, would it be good to just file bankruptcy and start over or slowly dig myself out of a hole? Which would be easier.
Submitted June 22, 2020 at 12:27AM by OurneumaMetria https://ift.tt/2AWIE3B
