ITS ME, THE ONE WHO ASKED THE QUESTION!
1. I have never done a loan before... That's why I asked about them
2. I have a Lense Crafters card to pay off, an old and turned off credit card to pay off, and an old shut off cell phone bill to pay off, with a grand total of $1,241 to pay off... AND my fiance has two old cell phone bills to pay off as well with a total of $600...
3. I don't work... I attend college full time
4. I do however recieve S.S.I... $850 a month
5. My fiance does work 30-40hrs/a week at McDonalds... and is also in school part time and gets paid every other week $350ish...
6. My fiance and I live in my mom's garage... only half the size of the garage is our home... There's dry wall seperating us from the car parked inside...
7. We pay $250 to live there
8. Living here for 6 months so far and staying for another year to pay off things and prepare to live on our own
9. My mom wants me to be careful with money so she gets my S.S.I... And I get $55 of it every Monday and Friday... NO EXCEPTIONS
10. That's $1,900 (sometimes less) a month for rent (once a month), school expense's, food (every other week), and bare essentials... (when we have enough money)... Not leaving much for those other needs such as a new bed (two people on a twin = Major back problems and constant falling off or one of us sleeping on the floor) or a dresser so that we can finally see the floor (we have a side table as our dresser... two people with a two drawer side table for a dresser... ??)... We don't even drive! No car! Walking and bus fare for us, which isn't so bad after a while...
And no we aren't too young, He's 20 and I'm 21...
Getting the point to my finance problems?
We need some help on this, fast...
2007-07-02 13:30:01 · 7 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
Talk to your fiance about submitting applications for bank teller positions, call centers or secretarial work or something. He could also talk to local car dealerships, he can work in the shop, sales or accounting, plus when you can finally afford a car you will get a discount! Talk to temp agencies too. I know it sounds odd but they will pay more than fast food and its good resume building experience without required formal education.
As far as the bed goes, try an inflatable. They come in different sizes and can be inexpensive. Plus they are actually comfortable, unlike the inflatable beds from decades ago because the air really supports your back, better than an old twin you guys can't fit on! They have them as little as $20 from Target and Walmart. And you can build a wooden platform to put it on so its the height of a normal bed...
As for a dresser, try those plastic storage drawers. They are stackable, light and you can paint them so they don't look so... well unattractive. That will give you some floor space.
I don't know about your budgeting but I hope those ideas from my college experience are a couple helpful ways to cut corners!
2007-07-02 15:08:51 · answer #1 · answered by annabanana242 3 · 1⤊ 1⤋
Get a job. I know that sounds harsh, but I worked over 60 hours a week while in school. I still had a 4.0. You may not be able to do that, and I know most people can't. Also, see where you can cut costs.
If you have cell phones, cancel them and go to prepaid. My prepaid cell phone costs me about $8 a month compared to the $200 I was paying a month on my regular cell phone. I definitely make a lot less calls when I have to pay for them in cash before hand!
I slept on an air mattress for two years.
I say get at least a part time job. Many mall stores and even McDonalds can be quite flexible with scheduling. Look at what you buy for food, is most of it processed? Microwave dinners and such? Does your mom cook? Is there anyway you could pay her and eat with your family instead?
Don't get a loan! If you only owe $1200 and can't pay that off, don't get a bigger loan. Make the minimum payments on each of those to keep them from becoming bad debt. Pick the one that is hurting you the most and pay that one off first. Then pay off the next worst one.. etc.. You've gotta learn to survive on a shoestring without ruining your credit. I hate to tell ya, life doesn't get any easier. Better learn now when it's relatively small debt.
2007-07-02 13:48:10 · answer #2 · answered by Unknown.... 7 · 1⤊ 0⤋
-he has lost two jobs, I have lost most of my savings paying for his food/bills/and his share of the rent. He sometimes cleans, but most of the time has a good excuse why he didn't get to it. -he has too much stuff for the apartment we already have and I don't want to buy a storage unit for him as well -His parents pay for 1/3 - 1/2 of his expenses, but this will end when we get married next year. I'm thinking of extending the engagement so I can get out, start working, and then be able to support him without great financial hardship. -He is a sweet guy, just very immature when it comes to finding jobs, assessing whether he can pay his bills, and learning to clean up after himself. -he started worrying that i would cheat on him and begging to move in. -I didn't want him to move in at first because he tends to be clingy and I have a very clingy family so I wanted just a little bit of space for a while. you don't get much space in a small apartment. -I don't sound madly in love right now because while I love him, I am at my witts end with his behavior. We are both in our twenties so maybe this is normal. The above are your words. Please read them carefully. I think the way you describe him to people who don't know him shows that this is not the right relationship for you. "Sweet guy" doesn't make up for the rather unflattering description up there of a man who doesn't take care of himself or you, is basically letting you take care of him as a third parent instead of putting in any small effort to contribute, and clearly doesn't trust you if he needed to move in and supervise you to be sure you wouldn't cheat. I'm sorry, dear, but this is not someone you want to marry. Tell him he needs to go live with the parents who take care of him, and that your engagement is extended indefinitely. Explain that he needs to attend relationship counseling with you to work on the equality of the relationship, find a job, and get his finances in order before you even consider setting another wedding date. If he doesn't agree to it, well, then he's going to lose a woman who is clearly doing more than her share to be a wonderful girlfriend to him. Good luck.
2016-05-17 04:26:36 · answer #3 · answered by ? 3 · 0⤊ 0⤋
I am a mortgage loan officer and I am able to work from home in my spare time. If you can get a job with a mortgage company most of them will train you themselves. Your paid on commission but are able to make your own hours. It's a quick way to earn good money. You just have to be willing to put in the work.
2007-07-02 17:37:04 · answer #4 · answered by Amy A 2 · 0⤊ 1⤋
If you don't have any extra money now, how in the world would you be able to pay off a $5000 loan if you could get one?
2007-07-02 13:36:00 · answer #5 · answered by Judy 7 · 2⤊ 0⤋
Wow, I'm in a very similar situation.
Apply for your city or state's low income housing program. I live in goverment housing and while it's not glamorous, it's better than a twin bed and half a garage.
2007-07-02 14:21:26 · answer #6 · answered by skyeblack3 2 · 0⤊ 1⤋
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2007-07-02 14:18:28 · answer #7 · answered by Anonymous · 0⤊ 2⤋