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Unless you have kids, you don't need a life insurance policy.
Agreed. Don't think that is necessary. Although some people will insist it is. You could trim that off your monthly expense. What do you do for medical/dental/vision coverage? Employer provided?
Oh honey, I do feel bad for you. I'm a mom of two kids in their twenties, and I know life can be hard. I give you virtual hugs - don't give up.
Okay, having said that (if my kids could hear me say this in my head, they'd definitely recognize my tone haha)...
It's frustrating reading two year's worth of comments, because logic is just bouncing off you like you're a brick wall. You were in the depths of despair when you first posted, and nothing much has really changed for you, except in the smallest ways. Even though I (and everyone else here) can tell you exactly what to do to fix things, only you can make the changes necessary to get back on track. You're not a kid, you have no excuse for your poor life decisions in that regard. You're going to be FORTY in eight years! Let that sink in. Perhaps it's time to (wo)man up.
You need to change careers if you ever hope to get out of this mess. I know you have a degree which is also the debt that's an anchor around your neck, but it's time to cut your losses. Even being a retail manager or something else that doesn't require more education would earn you more money than what you're doing now. If you got a different job, you could sell that damn car and buy something used for five grand, or take transit, or carpool, or even Uber once in a while. Anything is cheaper than owning a car. How long is your abomination of a car loan for? The minute you can sell the car and pay off the remaining balance, do it. Again, cut your losses. Stop the bleeding.
Talk to your pastor/minister/priest. Ask him what he thinks of your tithing when you are struggling with basic life management. I'm curious to know what he'd say.
If you're so bad at adulting, maybe let your mom or dad hold onto your weekly spending money and be the gatekeeper between you and emotional shopping.
All these suggestions probably seem really awful to you, like, panic attack awful - but there comes a point where you have to do what you HAVE to do, not what you want to do. Be strong.
I'm upside down on my car loan. I've thought about aggressively paying on my car loan until I break even or lower before trading it in. Maybe even paying aggressively on my car loan until the end of the year before aggressively working on my student loan.
Agreed. Don't think that is necessary. Although some people will insist it is. You could trim that off your monthly expense. What do you do for medical/dental/vision coverage? Employer provided?
It may not be necessary now but what if OP becomes too ill to qualify for it when he/she does need it? For $25 a month I don't think I'd recommend getting rid of it.
Thank your parents every day for only having to pay a $400 rent. Anywhere else on your own would be much more expensive and likely nowhere near as nice. I'd suggest a side/part-time job to boost income and I'd suggest eliminating all future debt occurrences.
Thank your parents every day for only having to pay a $400 rent. Anywhere else on your own would be much more expensive and likely nowhere near as nice. I'd suggest a side/part-time job to boost income and I'd suggest eliminating all future debt occurrences.
Believe me, I'd rather give my kids sound career advice and financial education than having to offer them a discounted rent in the basement.
I would love to go to graduate school, but I don't have the time or money. It is what it is.
Does your employer offer any kind of tuition assistance? If not, is there a chance to change jobs to one who does? If that's the case, you need to make the time IF and only IF having that additional degree would enable more income.
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