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Old 05-20-2012, 03:19 PM
 
Location: usa
855 posts, read 1,291,708 times
Reputation: 311

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So i make about 1650 a month after taxes
I have about 625 total in student loans monthly
my car payment is 220
insurance is 90 a month
cell phone is 90 a month
100 a month in credit card pmts( i no longer use them)
and about 250 in gas
175 in rent
I graduated college about a yr ago and I dont have any money. I need some tips
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Old 05-20-2012, 03:36 PM
 
Location: In a state of denial
1,289 posts, read 2,582,803 times
Reputation: 942
How do you have such cheap rent?

Get a prepaid cell phone (Wal Mart). They are $10.00. Get the $100.00/year minute card and only use the phone a few times a month. It's $2.00/day you use it. That way your phone bill is $8-10 a month.

Why is your gas bill so high? Take the bus, ride a bike, or walk.

What do you spend on food?

When will your student loans be paid? That seems really high.

You might need to take a second job or side jobs in order to have extra income to save more.
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Old 05-20-2012, 03:57 PM
 
Location: usa
855 posts, read 1,291,708 times
Reputation: 311
I live with relatives, hence no food bill or if I do have one it's less than 80 a month. I live in a suburban area w/no public transit options so I have to drive. I have about 10 yrs left on my loans
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Old 05-20-2012, 04:08 PM
 
16,705 posts, read 8,647,650 times
Reputation: 4691
Drop the cell phone or use prepaid. Use Google Voice in place of your cell phone.

You must have some public transport option close by. You can drive to the bus station and take the bus.
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Old 05-20-2012, 04:31 PM
 
Location: usa
855 posts, read 1,291,708 times
Reputation: 311
Atlanta isn't like other cities,very spread out, plus they cut out transit in the county in which I live. the subway only goes to the immediate suburbs outside the city. I work in a far northwestern suburb and live in a southern suburb
I should get a second job, but I'm not sure where?
I'm only available friday and Saturday
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Old 05-20-2012, 07:12 PM
 
16,705 posts, read 8,647,650 times
Reputation: 4691
What do you do at your job? You should consider looking for a different job.

In the mean time, I'd suggest to drive to the nearest transit and ride the rest if possible.
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Old 05-20-2012, 07:17 PM
 
2,421 posts, read 3,560,457 times
Reputation: 3448
Are you in a career job, or just a job? At least with a career job, the only way is up. If you just have a job, then I would continue looking until you land one. You need to make those student loans pay.

The $100 a yr. cell phone plan coupled with Google Voice is the first place I'd save. Shouldn't be on the phone anyway during work hours. Besides there is probably a computer where you work.

Can't have it all starting out, so start making some changes. I agree, your gas bill is enormous. What kind of vehicle are you driving? What ever it is, you can't afford it. A used Toyota Prius will get you over 40 miles a gallon. Can you take turns car pooling with someone at work? You could just drive your car to their house, and leave your car there if there is someone else living in your neck of the woods.

How much is your car loan? Can you get a "hold" on your student loans and put that money to paying off your car in the next two or three years?
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Old 05-20-2012, 08:58 PM
 
Location: usa
855 posts, read 1,291,708 times
Reputation: 311
I'm job hunting. I had an interview last week, but wasn't good enough :-(
So I'm looking for a part time job and new full time position. I currently work in a call center for a global bank.
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Old 05-20-2012, 09:03 PM
 
Location: NJ
17,579 posts, read 38,313,006 times
Reputation: 16098
Just like your other thread. Why do you refuse to address how much you pay for your phone?
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Old 05-20-2012, 11:39 PM
 
Location: oklahoma
69 posts, read 134,378 times
Reputation: 81
I'm not sure what career direction you are trying to take, but since you are already working in a call center AND have a college degree, you might consider applying to American Express for a work-at-home customer service position. You'd make more money than you are now and eliminate your transportation expenses. I'm not sure of the exact URL of the job description/application, but you could google it.

Straight talk cell phones are $50/month and have unlimited calling and texts. Or like someone said, use google voice (you can still send and receive texts with google voice) or skype. I've gone many years without a cell phone and I'm still alive!!
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