why am I so poor and have no money?

Question

I'm 21 year old guy from canada, I failed college 3 times and is now in $25000 student loan debt without a degree. lived off credit cards for a year while I had no job, and got in $14000 credit card debt.

so now I'm something like 40 grands in the hole. I recently got an okay job making barely enough to pay rent/food/creditcard payments..etc but I dont know why I would want to continue living as there is no reason, I have no friends, the girl I love dont love me, and I am poor

I do have a dream, I wish to move out of the city and live out in the country area.. but I need money to do that and I dont have money. everyday I go outside I hate the city, its noisy polluted, crime infested criminals, godamnit

I cant take this any longer, how do I move out into the country

Answer 1

You have many problems. But you're not alone dude. Many others are worse off.

I can help you with the "I have no friends" part. I can be your friend, albeit a web-based one.

And remember, after the darkest night is the breaking of a new dawn. Just hold on, I know you're gonna make it.

Answer 2

Life is hard, I think maybe you should not waste money on unneeded things. How did you not pass college though ? Is there anyways you parent and or guardian can help you out a little ? I think you should save up some money and the country is probally cheaper, my parents came to the U.S with me when I was 6 only 1500 dollars, a couple luggages and couldn't even speak the language and they made it, they rented an apartment, bought a car and got jobs withing a week. Just keep searching and don't give up, as for friends play a community sport where you don't have to pay and you can find friends there, for girls I don't think you should be worried about that right now, and I don't think you should waste money (if you do) with beers, ciggarrets, -drugs.
You don't need a computer for life you should sell it, maybe do a garrage sales with things you don't need. After you earn some money than move to a country, go by car it's cheaper.

Answer 3

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RE:
why am I so poor and have no money?
I'm 21 year old guy from canada, I failed college 3 times and is now in $25000 student loan debt without a degree. lived off credit cards for a year while I had no job, and got in $14000 credit card debt.

so now I'm something like 40 grands in the hole. I recently got an okay job making...

Answer 4

I'm from Canada too. What equity to you have that you could sell? It will take some time to pay off your debt but it is not all lost. Look at people who are over 2 or 3 hundred thousand in debt due to a home etc.
Seek one of those credit counselling services (free of charge) and they will help you the best.
As far as moving out to the country is concerned, if that is really what will make you happier just start looking for a room and board situation and do it.

Hang in there, give me an email if you need someone to "talk" with.

Answer 5

The best part is - you got a dream. If you got a dream, this means you can make it happen. All you need to do now is change your thinking. A job won't pay your debt any time soon. So don't focus on that. I suggest you go to nearest bookstore and get a book on how to start your own business. Or you can learn to do foreclosures, you can pay off everything after only one successful transaction. With the next one you can move to the country, or as you like. See, there are other ways than working, but first you need to see it and change your thinking. What you see is what you get. Follow your dream, focus on it and the results will show. Just be patient, that's the tricky part .... Good luck!

Answer 6

Right now I am poor and time rich and I think that is the best way because you get to do anything useless and get to spend it however you like. When you are money rich and time poor you get to have everything but do not get time to really enjoy it. Money makes you value less anything that is not materialistic and not having money really makes you appreciate what you have and the people that are around you.

Answer 7

hard as it is it can get better but it will take hard work. have you considered a second job? devote one check to your living expenses and another to your debts. even a 1000.00 a month part time additional job can help tremendously. do not just pay the minimum amounts on your card as that will get you nowhere. you would only be paying the finance charges added each month. make a payment every week if you get paid weekly. its easier to pay a little out of each check then it is to make one larger payment once a month on the due date. the weekly payment will keep your payments on time avoiding late fees. and do not continue to use the cards. cut them up. keep the account open so that you can keep your credit score from dropping.
as for the girl well there are others. you may love this one but it is a go nowhere situation so find another. one that will love you back. get rid of the negative feelings and you will have no problem finding her.
good luck keep your chin up. it is the only life you get and even poor it is worth living.

Answer 8

I, too, have an enormous debt to work off: $100,000 in graduate school loans. I consider the school debt an investment in myself and I try not to think about it too much. Right now, could you get roommates or live at home with your parents? It seems like the debt will never go away and that you will never achieve your goals when you look at them as one giant task. Consider each goal in steps or quarters and set your goals like that. You will get to where you want to be, but it may not be an immediate reward. Do not give up, you'll see. Good luck!!!

Answer 9

Why Am I Poor

Answer 10

It sounds to me like you have a problem with commitment. You didn't commit to college, you didn't commit to paying your bills. If you really wanted to move out of the city - you would commit to working your a** off - get three jobs and pay off your debt. I don't feel sorry for you - you racked up all the debt - its not like your paying off a medical bill that was unforeseen.

Once you start respecting yourself you will have friends and a girlfriend - pay your bills you are only 21.

I used to be a financial counselor - if you want my help I can make you a budget to pay off your debt and protect your credit....realistically - so you can live too. My email is [e-mail].

You need to pay off some debt before you move - set a goal and commit to it. Trust me you will respect yourself and accomplish your goal at the same time.

Answer 11

Good for you for taking college classes, not everyone gets to have that opportunity. If your job is in the city you could always request a transfer somewhere in the countryside Or save up to buy a car. i know some of my friends who work in the city but live in the country.

rooms are cheaper to rent if you live with roommates. good luck