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The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > We're going to need a bigger shovel to dig this one out...
 
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Zeta Taskforce
Jun 27, 2002

 Just remember that broke, desperate and stupid are all cousins that hang out with each other. Not calling you stupid, but being broke has caused you to make short sighted, stupid decisions that will keep you there. You need to break that cycle

Leperflesh posted:


#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.

Agree completely on the priorities. With regard to the car payment, $600/mo on a 2001 Integra is really steep. This is a friend who sold it to you? Renegotiate the terms. It might need to be $100 every 2 weeks until you get on your feet a bit more. You are unemployed, almost homeless and nearly starving, you can't afford $600/mo. Sit down face to face, be honest about your situation, say that he will be made whole, but this is all you can do now.

Food stamps and food pantries. When you are doing well you can and should give money to charity, but now you need the help

Can you advertise for a new roommate? Hopefully one that won't die on you. A word of caution, I know you are desperate, but don't take whatever riff raff that comes your way since the wrong person is worse than no one

Can you deliver pizza evenings and weekends while you search for a job? If went to every temp agency in town and was available during the day and delivered pizza every night you should be able to make enough where you can afford your car, shelter, utilities, and whatever food you need to buy to supplement the food stamps. Your credit is destroyed so don't even worry about it now. But if you were able to take care of the basics of food, shelter, utilities and transportation you will have a foundation of stability that you don't have now and you won't be bouncing from crisis to crisis and look at dumb solutions like payday loans.

If you deliver pizzas and pick up a few temp assignments you will make enough money to at least cover food, shelter, utilities and transportation

* # ¿ Jul 12, 2015 23:23
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# ¿ May 21, 2024 19:45
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Zeta Taskforce
Jun 27, 2002

Leperflesh posted:

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.

When you are in over your head, the first step is to stop digging

* # ¿ Jul 16, 2015 01:15
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The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > We're going to need a bigger shovel to dig this one out...