I am married 39 yr old male with children (6 and 15), purchased a home last year, struggling like most to make it, work in a major city earn aroung 50k yr. owe about 25000 in credit cards. I have just about had it with the hustle and bustle, sick of the rat race and my job requires many lies which has me feeling like i am going to hell in a handbasket. I don't expect to be exstatic everyday but i am finding it harder and harder to be happy. I just picked up some st. johns wort to try. I mean who wouldn't want to hit the lottery but dont need that, i am looking more for a quiet town, job with enough to live halfway decent, no need to be rich and raise the kids in a safe environment. Any advice?
2007-12-30 12:32:28 · 7 answers · asked by zurc137 2 in Business & Finance ➔ Personal Finance
That's a tough situation but I'd bet you'd feel a lot better without that 25K in CC debt, that's WAY too much and pretty much makes a big move next to impossible unless you really like to gamble. Get rid of that debt. Look for another job in the evening when you are off and also get a part time job to pay off this debt so that you have some options and flexibility. Small town America is awesome, I wish I could go back.
2007-12-30 13:09:46 · answer #1 · answered by The Scorpion 6 · 0⤊ 0⤋
It sounds like your plan is to move to a small town and get another job. This sounds great. However, remember that the grass isn't always greener on the other side. If you move to a small town, etc, the cost of living may be cheaper, but usually so is your income.
It appears that the problem is that you are not earning enough and that you hate your job.
You should be focusing on making more money and finding another job.
Can you earn more in your field if you move to another job? If so, then you should look to do this. If not, why? Maybe more education is needed.
If you really want to move, then I would suggest that you get a part time job and first pay off the credit cards and them SAVE, SAVE, SAVE.
One thing that worries me is the "st Johns wort" Talk with a DR. You sound depressed.
Good luck.
2007-12-30 23:11:51 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Okay first off you are going to have to brainstorm on this and make a plan. Get a pencil and paper, sit down with your wife and sketch out exactly where you are and where you want to be. Trim the fat on a monthly basis i.e. if you rent movies try going to the library to check them out for free. Stop eating out as much and for goodness sakes stop using your credit cards! Then put your plan on paper -say you want to look for a new place to live and a new occupation -start looking but keep in mind there is a right time for everything. Prioritize your list start with most important issues maybe to save some $ for the move. Educate yourself on living costs in areas you are considering moving to, what other occupations do you feel comfortable applying for or working. Do this with your wife and make sure you are both in agreement on where you are going and what your priorities are. Revisit this list and brainstorming sessions as you build your confidence. If you belong to a church or community ask for advise and perhaps connections those you know might have. (Of course most important is to pray for direction)
2007-12-30 23:09:15 · answer #3 · answered by Princess 2 · 0⤊ 0⤋
I am sorry that you are unhappy. You should never have to compromise your morals for your job. I think you should find a different job. I don't know what kind of work you want to do but my hubby works for the railroad as a dispatcher and he makes 72k a year, and he doesn't have to lie. With the credit cards, you just have to stop making charges and just keep paying as much as you can and eventually you will pay them off. If you want to relocate, you can move somewhere with a cheaper cost of living. Arkansas is a nice place to live, so is Kansas City. Hope it gets better for you!
2007-12-30 23:39:19 · answer #4 · answered by Stephanie W 4 · 0⤊ 0⤋
well i wish i had done this a long time ago. i raised two kids by myself house,job but.... struggle omg boy did i ever. now losing the house... bad loan and the mortgage company will not bargin with me except to make my payments higher. at first i was depressed and almost suicidal. then i prayed. and it came to me. downsize. yep i said it downsize. i also got a new position with less stress and more money. go figure. im currently moving into an apartment which i got a break on the monthly amt. my debt will be cut by more than half. now.. i know this sounds stupid should keep a house for equity. but i feel almost estatic. my kids are grown and are both expecting their first child. i dont know what your job is... but it sounds like you need a change. i dont know you but im praying for you to get your answer my friend.
2007-12-30 21:44:17 · answer #5 · answered by mla 3 · 0⤊ 0⤋
i wish i or anyone could give you a definitive answer on this as we all have our trials and tribulations in this fast paced world.
have you thought about going into business for your self? like maybe a consultant in the field of expertise that you know?
down here in the south we have a little less fast pace as in N.Y. City but we get along fine. as a matter of fact a lot of fortune 500 companies are re locating to this area to take advantage of this fact to give their relocated people a more and relaxed (which equals more productivity) environment.
if i knew what line of work you could do i could try to steer you in the right direction. as my grandpa always said..." you only have one life here on this spinning ball of rock and water,it's up to you if you sink or swim" .
2007-12-30 21:26:51 · answer #6 · answered by barrbou214 6 · 0⤊ 0⤋
File for bankruptcy and start over financially
2007-12-30 22:05:55 · answer #7 · answered by Anonymous · 0⤊ 0⤋