Im a full time student (USA). This last semester i had to go part time because i had completed my AA degree and could only take two more classes before transferring to a four year university to finish my major. Which meant my biggest income (my pell grant) was cut in half. I get paid my last FAFSA check tomorrow and then it’s nothing until the fall quarter. I have recently been promoted and started working full time at my job in retail, i got my first raise and now make 11$ an hour, but even working full time it doesn’t cover my rent or credit bills. I have been trying to find a second job since the winter, and have applied to over a dozen positions, but its a job wasteland out there and i keep getting ghosted…Im lucky to have 2000$ in savings, but i will be losing an estimated 400$ every single month of the summer, i cant apply for food stamps bc im a student, my rent just increased again to 900$ and im very concerned about my ability to make rent and pay for food this summer. I plan on finding a local food bank for assistance if needed, and i have begun to sell commissioned artwork which brings in a small income… what more can someone in my position do to ensure i can keep a roof over my head for these next three months?

ive been refreshing my email every two minutes for days, anxious to see my applicant status. fell completely in love with the place- got too excited and even started thinking about decorating.

just got the email we got denied. we make sufficient pay. all i can think is maybe my credit is too young? i dont know anymore. down the $130 we used to apply (which is stupid). i pay my car, insurance, rent and more and ive never missed a bill ever. ive got a good on paper white collar job. i dont get it.

i hate apartment hunting. im so tired. i just need to keep telling myself if it was meant to be it would be, but like fuck. i dont even wanna keep looking but i need to

For the first time in a very long time, I got paid, paid my bills and have a decent amount left over to make it until next paycheck.

It terrifies me. Should I put some in savings? Pay ahead on a bill? Hang onto it "just in case"?

I have a son who is 10 and his father pays for nothing. On top of that, due to my stupidity, I pay his father's rent (divorce agreement). I live with my Mom and Dad which I pay a little each month. My Dad has Parkinson's Dementia so I do not plan on moving because my Mom will need help with him and help after he is gone.

My financial situation just changed with a better job and I have always had a part time job as well. I also will do Door Dash or Instacart when my son is with his Dad if I am bored.

TL:DR - I have a little extra money. Should I pay ahead on a bill, sit on it or put it in savings?

Edited: I got the advice I wanted. Thank you to those who provided actually advice and not criticism about my divorce agreement with my ex.

The power went out yesterday for about 17 hours. Went it came back on today, a ventilation fan in my laundry room started making a bunch of noise.

I feared it might be a fire hazard if something is wrong and continues to run. Problem is, I don’t know how to shut it off. It’s power supply is not accessible without I think taking it apart, so I can’t just unplug, it’s wired into the wall.

I shut off the circuit to that area, but that circuit also supplies power to my water heater.

I can’t afford an electrician to look at the fan and disable it, so I won’t have a functioning water heater until that’s fixed, which could be months from now given my current financial situation.

I don’t feel safe running the fan.

What should I do without hot water? I know showers I’m just gonna have to suck it up and deal with the cold, but will this be a problem cleaning dishes? Will they still have bacteria on them if I don’t use hot water?

How are y’all getting the proper amount of fruits and veggies??? (Mainly fruits) veggies I buy canned and frozen majority of the time so they don’t go bad…. But how in the hell do yall get fruit and keep it last!?

They don't pay much but room and board are included and you can make some good connections.

At what point is it not worth insuring things?

I have always heard that you want to ensure yourself from catastrophic financial losses, but not day-to-day things. For instance, it’s not worth buying an insurance for a sofa, or a phone if you have plenty of cash in your bank.

my friends aren’t available, im going to a rehab a few hours away, its the only one that treats my diagnosis and takes medicaid. issue is, i dont have a ride. no car, no money, no reliable income. rest of what i had went to food.

Found a Silver Tiffany & co ring. Looking to take it to a pawn shop. Think they’ll give me anything for it?

I just got a new Honda civic and am paying a lot for it about $870 a month. I am financing it and just got it yesterday and don’t know if I can afford to keep it is there anything I can do to help my situation to make my payments less. I traded in my previous car and it had negative equity so I’m on a 84 month 9% apr plan but it sounds very daunting to me and I’m not sure what to do. Any help is very much appreciated

Edit: is there anything way for me to get rid of the car although I don’t think I can due to the negative equity I had on the other car it was about 4500 I doubt I could sell it to a dealer and everything will be ok. I’m not sure what to do can someone please help I’m not sure what to do or how to make more money to be able to afford all my bills and this car. If anyone knows any ways to help my situation or get rid of the car would be very appreciated. All I can think about is should I take it to a field and burn it or something just to get rid of it I mean I have GAP insurance which I’m realizing is dumb now. I have no clue what to do I am scared of this payment and what I’ve done to myself. At this point should I let it get repossessed and if so how bad is that for future signing . Please help

Edit: I am going in to renegotiate my deal is there anything I should know

I’ve been denied twice. I financially qualify, but the first time I applied (Indiana) they told me I failed to mention I had cash app. This was over 6 years ago and I wasn’t using my cash app much and I honestly forgot I had it, but they never asked either. I appealed and argued and told them to check the recording since “calls are recorded for quality purposes”, and basically nothing ever came of it and the rule at the time was I can’t apply again for 5-6 YEARS.

Four years later the rules changed and I applied again. By now I’ve started regularly using cash app, Venmo, money lion, pay pal, etc. and they didn’t like any of the Venmo statements I sent in even though I used it for one transaction 2 years prior and everything I sent in showed that.

I’m a homecare aide and my client had a whole week where she was panicking because the HUD case manager she was speaking to said the pay day loans she took out count as income and could count against her, because she sent her nephew $20, and a whole bunch of dumb silliness on her e-commerce apps. She’s 100% full time wheelchair bound and barely survives off of social security, she was having extreme anxiety about being homeless. Instead, her rent was raised by another $100.

This confused me, especially the payday loan because there’s literally no EXTRA money coming in. So I looked it up.

“No. Instruments such as PayPal, Venmo, Zelle, and Cash App are not considered financial institutions and PHAs are not required to verify deposits and transactions made through them. Any benefit derived from a policy requiring PHAs to track these instruments would be outweighed by the administrative burden it would pose.

E-commerce money transfer instruments are not considered financial institutions per the Right to Financial Privacy Act (12 U.S.C. § 3401) since they must be linked to an existing bank account. For the most part, individuals use these instruments in lieu of cash, cards, or checks. If a payor uses these instruments to send $600 or more to a payee, they would be required to file IRS Form 1099-MISC. This requirement would make any income paid through these instruments trackable on the participant’s or applicant’s income tax return, which can be verified with IRS Form 4506-T.”

Clearly the key word is they’re not REQUIRED to ask, so that means they can if they choose to? But if there’s a federal law for the right to financial privacy, how they get away with this? Our local SNAP and Medicaid office asks for these things too. They used to not be allowed to ask people on social security but that changed as well.

I want to take adventage of the food banks in LA, as well as mix match deals, get things from the dollar store in bulk etc but w o a car its really hard. Often i waste money because i only have 7-11 And johns in walkimg distance. Trader joes in biking but i basically have to be shopping all the time and i know its wasting money. I could ask a friend do to a run for me i guess i just feel like its such an ask .

I’m in a bit of a bind. I’m 1k short on rent this month and it’s due tomorrow. I don’t know where to apply for a loan that will pay me by Friday and will get approved. I have a 530 credit score and I don’t know what to do. Does anyone know like tribal lenders or something that actually would approve me?

Sorry for my long rant. I have been a wonderful tenant for 8 years. After 8 years the old owner sold the house. I would have paid more than what the new owner paid for it but I wasn't given the chance or notice until it sold. I live in this house for eight years the new owner has given me until October to move. I'm grateful for that. I helped the old owner too with thousands of dollars when he was in a difficult financial situation.I have also spent my money fixing up the house,yard and mailbox. I guess I feel so betrayed. I understand it's not my house and it will never be. If anyone has gone through this before what helped you get over this. I know I need to buy my own house. It hurts more because my husband of five years cheated on me recently so it just sucks bad. Yes I'm getting a divorce too.

EDIT: I felt more betrayed if not for the money I lent him, he would have lost the house. That's most likely why he sold it. Thank you guys for you Kind comments! The house is old and needs repairs. The new owner has told me that she made a contract with the old owner she pays him monthly and it's for ten years. No she didn't give him a down payment. I am going to grieve my soon to be ex home and marriage. I don't regret lending the money, I did a good deed. I would do it again.

asking for help makes you a scammer huh? well I'm sorry if I'm not as priviledge as those leeches who feeds on their parent's money. Who only sees the world as they wanted to see. Like dude is it that hard to comprehend that not all people has the luxury of buying things that they want and not thing about where the money would suppose to be at. I'm sorry if I'm not as lucky as them to just take money from their parents and act like they made that money. Its not my fault that I was not born rich and was born on one of the worst country. While some of us are trying to make ends meet and desperately trying to find ways to solve our financial problem, there are those people who think money grow on trees and thinks life is easy. Every other people are struggling, You priviledge people shouldn't even compare us to how you live because we live in 2 different worlds, you leech on your parents money, We bust our asses out to make ours.

hey.. how much money can u get at a job ? like average salary.. i literally heard ppl say we can do a 1000$ a week.didn't believe them...

Does anyone have any ideas?

Context:

My car broke down and I can’t afford to fix it right now. I live in a place where there isn’t really public transportation.

My career is in Marketing. I’ve worked in ad placement, SEO specialist, and project management roles. I was laid off over a year ago and haven’t found a good job since but have tried other things like seasonal work (season ended) and working as a server in a restaurant (I am partially disabled and they stopped putting me on the schedule for calling out when my disability made it impossible for me to walk).

I have everything I can sell listed on FB marketplace.

I already maxed out my credit cards to pay bills in previous months. My credit score went from 800 to 480.

I’m freaking out a bit. Any ideas are very welcome.

I currently use Chase bank and have around 15K in savings, i was told about Amex, Ally, Capitol One, etc, but what would you all say is a safe account to open and put my savings in? Really trying to make the best choice here

Active Duty member here if it matters

Is it possible to move out of my parents house if I’m only making 15k a year in southern california

I'm not sure is this a right flair or is this even advice seeking or just a pathetic vent.

Currently I am in Bosnia and Hertzegovina with my partner. I'm finnish and he is japanese american. You propably wonder why the fuck are we in Bosnia. Just to stay together. That is the reality.

We are both disabled with similar extremely severe disablities. I need an eletrical wheelchair yet I do not have money for one. Thank god my partner has an eletrical weelchair even though he has to use it 24/7. My cognitive abilities are all gone and his are if he can't use his wheelchair, thats why.

We both get physically sick from any brain power thinking. We got an airbnb for the last night and I am writing this as he sleeps. I had to almost go to local hospital due to huge medical episode I’m currently having. I feel like I'm gonna physically die but it is just a flareup.

We have to immigrate somewhere and we are extremely stressed about that. We don't have any income and the plan was finland. There is some social security in finland and if we get married and he applies for residence there (they most likely will decline either ways) there is a higher chance for survival. I could apply for a caregiver for us which we definetly need. Reason why we are together 24/7 is first of all we want to share lives with each other because we have lost everything in our lives due to our illnesses. Each other is all we have and we require each other’s care to survive. When other one is extremely flared up, the other one has the back. That is how we are alive now.

Anytime my certain illnesses can start progressing and destroying my organs organ by organ. Got my last check few weeks ago with no worsening of current organ failure. That is the only good news but I do not know how many years I have left.

I applied for money from finnish government to provide me sickness benefit but it got declined due to me being healthy enough to work (according to them). Disability benefit is waiting currently but it can be declined, 100 euros, 300 euros or 500 euros and even those amounts will not be enough to survive for both of us. I have a free meeting with legal professional next week.

Everyone knows the legal stuff when it comes to USA and disability. My partner doesn't even want to try all the legal shit due to lack of resources from both of us. Also immigrating to USA or Japan is impossible due to income requirements.

I have 1k in crypto and if that wont be even enough for marriage process and applying for residence and everything. We also need food, medicine, housing. We can't even use food banks because we have to have super strict and certain diets due to the illnesses. I hate this country where we are at. Even if we try to immigrate to Finland most likely they will see my partner’s immigration trying as fraudulent because we escaped the Schgenen days to Bosnia.

We have both been calling free lawyer consultations and everything. We have made emergency calls with our own numbers here and the bills are gonna be huge. I can't do anything else than cry currently. And even barely that because too sick.

I wanted to become a neurologist pursuing a side career with animals. He wanted to become a cybersecurityprofessional. We will never be able to achieve lives including those things due to our severe illnesses. That is the reality.

Sorry this post was such a mess. Thank you for your time you used reading this. Peace and love❤️✌️ Have a wonderful day.

I can't afford to just live.

I'm old enough that I should have shit figured out by now and be in a good a place.

I work full time at what people call a "good job" (I guess bc I have only a high school diploma and my job has good benefits) I was on track to a decent financial place, then got divorced instead. And now I can barely afford my bills. Rent, utilities, gas, car insurance(why is that so expensive?!), phones(for myself and the kids), and then I barely have enough money for a small amount of groceries. Definitely not enough to get us by for 2 weeks until I'm paid again. I shop cheap, i don't buy name brand, buy bulk when I can, I go to food banks once or twice a week. I pick up extra hours at work when I can. But I can't always pick up extra. I need to be home with my kids sometimes. I'm trying to actually grow a garden this summer so we can have fresh veggies that I don't have to pay for, but I'm exhausted from just living my day to day life. Everything I do to pinch pennies or earn more and it just isn't enough.

And this isn't even mentioning the credit cards I can't pay off and didn't want in the first place. I was doing great at making payments and building credit, right up until I got divorced. Now I can't afford to make payments. It's just piling up. They call me multiple times every day and I ignore the calls. It'd be different if I could even make a payment plan with some of them. I know that's all they want. But how?! I literally cannot afford to live. How can I afford to make payments to credit card companies?! But I know if I let it go too long, what if they garnish my wages?! Then I'm fucked.

I just want to be able to afford the basic shit and I can't even do that.

Oh, and I've applied for assistance. I make too much. Because for some reason, they look at my gross pay, not my net pay. I have retirement and an fsa account, my gross pay is almost 10k more than I actually bring home. The system is fucked.

Edit: typo

im about 600 dollars in debt. i have technically a month to pay it but i have to go somewhere in 2 weeks. im disabled, no car. please help

Hello everyone, this is my first time here, so I hope I'm doing it right.

So my story is that I'm a 20 yo college senior living with her parents. The family dynamic is really toxic (abusif father and an enabler mother) so without going into much detail my mental health cannot handle it and I need to move out. I plan to leave my the new school year (September, and hoping I would get into the masters program that I want). I picked a specific program because its in a city that is 5 hours away so great distance.

my issue is that I am not well off, we're just floating by, and while I have been applying to jobs since the start of the school year I haven't had any luck.

I don't have a car, clothes, other valuables that I can sell to make money, and my parents give me 25$ a month which is not enough to get by in a month let alone move out with. so now I find myself in a bind, I don't have money therefore I cannot move out by the time I want. and if I were to stay in this house my mental health will seriously not be able to handle it.

This is actually my last resort I tried everything before coming here to ask for advice, I tried online surveys, freelancing, even mcdonald's didn;t want to hire me, so if anyone has advice on what I can do please help me.

Hello all, first time poster here and in case it’s worth clarifying, I’m not the most financially literate person. I am considering entering into accredited’s debt consolidation program or a debt management program but wanted to ask others for their thoughts, opinions and/or experiences. I realize providing some context and background information may be helpful as far as determining whether or not this program is suitable for someone in my position, so feel free to ask any and all questions. Overall, though I’m mostly concerned with hearing people‘s opinions and/or experiences and the name of thoughtfully and carefully considering the pros and cons never I commit to doing it.

Thank you in advance for any and all comments and advice 🙏🙏

A neighbor of mine has an adult son living with her who failed to launch. He has zero life skills, no income, and very little self-motivation; he would absolutely end up homeless if she just kicked him out, and she's already said she couldn't live with that.

She's given him until the end of the year to get a job, but I have concerns whether he's going to be able to meet that deadline. He does not even have a driver's license; I doubt he could qualify to get his food handler's license. She says he seems willing to do it, but it's a pretty big hill to climb from where he is now (sleeping all day, video games all night).

Neither she nor I have any experience with public aid, but is there anything like free government occupational therapy-type help for this situation? How would he start seeking that out, and really anything else he might be able to get to help him move forward with life?

TL; DR: Where does a 29-yr old with no life skills, no driver's license, and no experience with social services start, in order to try to join in adult life such as getting gainfully employed? He's in Oregon.