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Pelafina posted:Still have a big couch and bed/mattress/headboard that we're somehow going to have to carry for two blocks, but HOPEFULLY that's not too impossible. Sell them. You can sit on the floor and you can sleep on the floor. Keep your mattress because used mattresses are basically worthless but unless the bed is absolute garbage, you can sell it. The couch is a luxury you cannot afford right now. Pelafina, your situation is dire. You may not realize it but you're on the verge of homelessness. With your poo poo credit, you aren't going to get extended loans. You claimed a paycheck loan place approved you previously but that was maybe when you showed them a paycheck from that week with actual income? Even if they agree to give you money, you are intentionally defrauding them over $150 and that's just stupid. And $150 isn't enough anyway. When you stop paying your debts, they're going to go into collections, and the collectors are going to tack on hundreds or thousands of dollars in fees to the debt and then come after you to collect it. Your acquaintance could repossess your car for nonpayment. If your parents really are out of cash then them co-signing isn't going to save you when they also default on the rent. You need cash immediately and stealing it from a payday loan place isn't a good plan. You said you have nothing to sell but if that couch is still sit-onnable you sure do. All that stuff you've been moving from one home to the next? I bet you can sell a lot of it. Take clothes to a thrift store and sell for cash. Put furniture up on craigslist and sell it. Here's how I would prioritize spending right now. #1 gas, insurance, and car payment. This is #1 solely because having a car you can legally and safely drive massively improves your employment prospects, and if you lose your home you can sleep in your car. #2 food. Apply for food stamps immediately. Look up where your local food banks are. If there's a place that serves hot meals to poor people, go there and get them. This step is going to require a change in mental status... you aren't a middle-class person any more. You're deeply in debt and have zero income and that puts you among society's most-impoverished class. Think like it: take advantage of every free thing and discount offered to the poor. #3 rent. Obviously being evicted is a very bad step. Moving to a more expensive rental was a bad idea but you already signed the lease and started to move in. Maybe it's not too late to cancel your lease? Search craigslist for a roommate or super-cheap living situation. Maybe outside of town since you have a car. Obviously your cats are a problem here and the smart thing would be to re-home them but more on that in a bit. #4 personal maintenance. This is stuff like meds, shampoo, deodorant, etc. You need to stay healthy, and you need to be presentable for jobs. You should retain two or three good clean work outfits, one good pair of shoes, etc. and sell the rest. #5 the rest of your debts. You should be making minimum payments on all debts until you have accumulated an emergency fund, and then pay down the highest-interest debts in order once you have that. Obviously right now #5 is impossible. Hell right now, everything from #1 on down is impossible because you have no income and no money. The insurance thing is the sort of job that, at best, a person with a significant safety net can do. Obviously the income is uneven and obviously as the new person you're going to get the poorest-quality leads put in front of you. You cannot afford to go for a week or four without income and that is not going to change in a month or two. You need to get a full-time steady job yesterday, save money, get your finances back into the black, and only after you can afford a month with no income can you afford to work on 100% commission. As a fellow many-cat-owner I understand the dilemma you have with the cats. It may be a moot point because you've already signed that lease but your cats are costing you way more than just their food and kitty litter; they're costing you substantially cheaper rent. If you only had one cat you could maybe find a friend willing to become a temporary or permanent guardian, but five is going to be extremely difficult. I won't tell you you can't survive if you don't give them up, but it's going to cost you and so far you're not making up that gap. I also know that staying positive and being in good mental health is essential. Some folks aren't going to agree with me, but if giving up your cats is going to be so traumatic that you won't be able to get a job, or stay off the booze, or whatever, then keep them. But, man, five cats in your situation is grim. I have a cat now that a lady had to give up because she split with her husband, and finding an apartment for herself and her 4-year-old was way too hard if she also had cats. It was hard for her to let the cat go but both she and the cat are in better shape now than they would be. Online job markets are a double-edged sword. On the one hand, you have to do craigslist because so many jobs are only advertised there, and it's the best possibility for "do work today, get paid today" work. On the other hand, it's fundamentally impersonal and that means you're just another name in the inbox. Meeting someone face-to-face makes it far, far easier for them psychologically to envision you as the right person for a job. Especially for any job involving contact with co-workers and/or the public. That's why you check listings, apply for them online, and then whenever feasible, also go and walk in and ask to chat with the boss. If that bar got 12 applications in their inbox but one person came in at opening time to chat and hey, it's not a creepy axe murderer or a hobo, that's the person who will get the job 90% of the time. So just to reiterate: -Sell everything you can sell, short of your last suit of work clothes, your mattress, and the most basic utensils and cookware you need to still be able to prepare basic dishes at home. -If you possibly can, get out of that lease and find somewhere cheaper. -If you possibly can, re-home your cats, enabling you to find somewhere cheaper to live, and reducing your monthly expenses -Apply for every job you can on craigslist, even if you don't seem particularly qualified. -Go in person to the place of business for any good/likely prospect and present yourself. Ask politely to speak to a manager and if that's impossible, make sure whoever you speak to hears your name at least twice, is handed a copy of your resume, and isn't feeling harassed or annoyed when you leave. -Start thinking about what exactly you're going to do if you can't raise the cash for #s 1 through 5, above. If moving back with your parents isn't an option, is there any other family member who might be able to provide a couch to crash on for a few days? A friend? Anyone? Because if not, you should figure out where the local homeless shelters are and find out if they're always full. Leperflesh fucked around with this message at 01:16 on Jul 8, 2015 |
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Jul 8, 2015 01:11
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| # ¿ May 21, 2024 18:59 |
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It's been 11 days. Without more info we can assume Pelafina is now homeless and has no computer or phone to post with, because that's certainly the direction things were going. We're sorry, Pelafina. We hope you can get back onto your feet, somehow. Let us know how it went. Oh, wait: http://forums.somethingawful.com/showthread.php?threadid=3730605&pagenumber=1&perpage=40#post447623101 Pelafina, you cannot start a small business growing and selling weed when you have no money and are renting an apartment. Even legal grow ops aren't legal when done in secret on someone else's property, and you have no money to start up a grow op anyway. Hydroponics isn't cheap! Neither is electricity.
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Jul 14, 2015 21:22
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