I've read all the post replys and have done a lot of thinking about me and my spending habits, the way I handle money, and my current problems with money. I have, at home, 5 DVD's from Suze Orman from 1995 ish to her 2011 Money Class DVD, I also have about 7 money books, I picked up at the library. I am currently ready, as fast as I can, Jean Chatky's book Called Pay it Down on $10.00 a day. I'm learning alot. What it boils down to right now, is that I need to find a second job and that doens't seem as easy as it always has been. The part time jobs seem to not get back to me and I'm not sure if it't my description of my current job duties, that seem too much for the part-time job, or why I'm not getting any phone calls. The applications I've tried are for gas stations, convenience stores, department stores, and I'm not getting much feed back. I'm always asked what I'm being currently paid and I wonder if the $15.35 i put in the blank is why I'm shut down. I honestly don't know what the problem is. I usually had not problem finding a part-time job in years before. So, once I find a second job, my plan is to apply the lessons from Dave Ramsey and Jean Chatzky toward my getting out of debt situation. I've cancelled Verizon (but I have a $400.00 cancellation bill to pay) I stopped my home internet and cable. I am going to get a home land line which will be about 42.00 a month and just drop the cell phone completely. I can get a pre-paid for total emergency situations. My bankrupcy chapter 13 was cancelled and I can gather $500.00 to get it re-instated, but I don't have that money. I'm thinking if I get a part time job, maybe I can avoid the chapter 13 and pay all my creditors off. But, I have a looming cloud over my head, as I know the creditors are beginning to call am I'm AFRAID to answer the phone, because I lieterally don't have any money to pay them yet. I don't know if I should try to keep my little chevy aveo, the outstanding loan balance is $15.000, or if I should surrender it. I'm asking for help from all the smart money people out there, because although I don't blog daily or consistantly, I have taken serious thought to all my comments received. I'm going to add all my debt to the debt catagory and maybe someone would lend their insight. Sincerely, me.
Viewing the 'Debt' Category
Wouldn't that just be the key to all my money problems? Sell a house and make a few thousand dollars!!! I went to a meeting for information that I could use to start working on a real estate license. I know the economy and housing market are rocky and just coming out of a recession. I know there are costs involved and that I might not make a sale for a very long time, and the banks are not lending, BUT, what if I got licensed and began now and maybe in time the market will become stronger and I'll be able to make money!! Keep in mind, I have no financial, economic, business knowledge or know the way our financial work operates, so my terminology here may not be correct. All I know is I haven't had a raise in 3 years, my job is a dead ender, I need to look for another avenue to earn a living, either I go back to college or find a new job. There's so much to think about!
I've began to go through the tubs and boxes of the "stuff" that is "stored" in the closets. I have the typical things most people with kids probably have: old clothes, shoes, sports equipment, toys, stuffed animals, books, baby memorabilia, blankets, comforters, purses, a cordless phone, small american indian figures (I bought at a Pow Wow) an automatic pet timer, and I'm really not sure if people will want this used stuff. I took pictures of my desk, couch, two dressers and need to decide if I should do ebay or craigslist or a sign at work. This took most of my weekend, weeding through everything and that was just my closet. I need to take pictures of all my stuff and get it out there so a potential buyer can see it. So, I haven't had any additional money since my last paycheck. I've read about starting a blog, pet sitting, house sitting, etc. and it all takes time to organize and get my services out to people. I'm a bit overwhelmed. And, when I do make some money, anything, what will I use it for?
I had filed ch. 13 about 9 months ago, getting it dismissed to only file again so the debts could be dischaged. Well I haven't came up with the $1200 to file and I am being garnished by the karate company $500 a month they have taken. They will be paid in full by the end of August, but there are two more debts that already are ready to garnish me when this one stops. its a banking account. I didn't go to the court date. I did go to another company that i borrowed money from, payday loan, and agreed to pay $100 a month to avoid garnishment. I have about 5 payday loans that I opened, intended to pay, rolled over, and over and then I just couldn't afford it anymore. I owe money to everybody, the dentist, banks for NTE charges, medical bills, its pretty bad. For the first time I felt that I was going to loose everything out from under me. I am not happy and every day is full of going over and over in my head about what am I going to do?
I don't know what it is about newspaper delivery, but there isn't an opening that I've had a call back for yet! I did sign up to deliver phone books and I'm supposed to start with the info session this week. I also found on Craigslist an 11 week dental training course that will certify me as a dental assistant. I'm thinking that I could take that course, 11 Saturdays from 8-5pm, and then find work as a dental assistant on the weekends to begin paying off debt and help my income situation. The class costs $340 to hold the class and then $275 a month for a year. Is this a good plan or not? Spending money to make money. I've looked into giving plasma for $50 every 7 days, but didn't get the chance to do it yet. I haven't had a raise in my company since 2008.
the credit company took my monthly payments on the Aveo down to $243 a month. I am behind June and July. I've thought about not having the car and taking the light rail, our state has one of the best transit systems in the nation, but yet how can I let go of the car? I owe $7300 still and I just wish I didn't have this extra bill each month. Cutting costs, this would be the first to go. I could save that $243 a month and buy a cheap used car. Makes sense, but why is it so hard to part ways and to acutually do it? Should I try to sell it? Should I involuntarily give it back to the bank?