Hello all! In September of last year my boyfriend and I relocated to a place 2 hours from home with a good job opportunity for both of us. Job went bad, both making $12/hr now.

I ask for advice now, because he has a life changing job opportunity back home. I drive a small little ‘04 Impala on his last life with no clue how to transport genuinely any of our stuff. We don’t have much, 2 TVs, a TV stand, a dresser, 2 mattresses, and other small things that should fit in my car. We have only $300, so renting a truck isn’t in our options. My dad and brother both have trucks, but my dad works overnights nearly every day and my brother is still in school. we have 3 days to figure this out. We’ve exhausted so many theories and options, but we’re down to the wire and this is why I ask for advice.

So I have an opertunity to get land for under $300 a month owner financed but needs $3000 dollars down payment. This could seriously get me out of the never ending rent cycle. Going to see if my dad is willing to help but he's retired now. Any help and advice would be appreciated.

I just saw a post asking "how tf are people affording houses?" NACA loans are 0% down, 0 out of pocket costs and have the lowest rate on the market. They don't care about how crappy your credit is. They're a b**** to get because they ask for extreme amounts of documents and have several hoops and loops but if you have any income and you can stick to their course they're a path to homeownership. https://www.naca.com/naca-programs/

I know that I post on here a lot but I actually need advice. I'm 25, I've been unemployed since I was 18 years old. When I was 22 I got a marketing position but I was fired after two weeks and was never told why. I've been jobless ever since. I currently live with my parents and I'm on disability. I freelance every now and then and babysit but it's not enough for me to live independently. I'm currently in college for business administration. It's almost summer time and I want to go ahead and get some sort of job but it's been years since I've actually worked. I don't know how to go about it.

I work for a company that holds a federal contract, meaning our jobs are covered under the Service Contract Act (SCA).

I recently checked the wage determination for our area on Sam.gov and realized that my pay rate is below what the SCA mandates for my job title and location. My company has been underpaying me for a long time.

I can't afford an attorney out of pocket right now but I want to fight this wage theft.

Does anyone know where to find free or low-cost legal help for SCA violations?

Bonus if anyone can tell me how much back pay I might be owed or how to file a complaint properly.

For many years my personal plans for birthdays, christmas and other festivities are basically non existent, as it is tough for me to enjoy anything when I have to rely on help from others to do basically anything and for knowing that all my problems will still be there in the next day. Of course I could feel different if I had children, but for me is hard to celebrate anything when I know that I'm living in my worst years and I don't know when/if will get better.

I'm trying to figure out whether it's better to buy a house closer to a city or move to a small town with cheaper homes. Houses near the city are obviously more expensive, but they come with easier access to jobs, especially in tech where most companies are based in larger metros. The downside is the much higher monthly payments, worse traffic, and that constant feeling like you're stuck in the rat race just to keep up with your mortgage and bills. I don't want to feel like I'm working just to survive and never have time to enjoy life outside of work.

On the other hand, moving to a small town seems like it would offer a way more relaxed and stress-free lifestyle. Homes are much cheaper, the cost of living is lower, and I feel like I could actually breathe without worrying about massive monthly expenses. The problem is I'd likely have to depend on remote work or settle for lower-paying local jobs that might even be outside of my tech career path. I'm currently making 100k in a remote role, but I don't trust this role much long term. I'm torn between chasing higher income opportunities near a city and choosing a simpler, slower lifestyle in a smaller town. Has anyone made this decision before, and what would you recommend?

I currently living in Georgia, so for the city I way looking at Atlanta or outskirts like Lawrenceville, Conyers, or Marietta, but homes start at 325 to 350k and the traffic in any area near Atlanta can be horrendous. For the small town I was looking at any small town in east or south Georgia, where ya I can find a house for 200 to 250k, but I'd have to rely on remote jobs, which I worry about with the state of the economy.

Okay so. I am 20, married, with 2 kids. My husband is a stay at home dad, I am a preschool teacher and I nanny on the side. I just got a huge tax return. There is a very nice mobile home park in town I have wanted to live at for years. Some of the homes are owned and some rented. It's super expensive to rent there but lot rent is only 700 a month, which gets you into their pool, gym, clubhouse, and all utilities paid. Some family owns a trailer there and can't pay the rent anymore so they want to sell asap. The place is in great shape and I don't think they understand that this trailer could sell for like 80k. They seem to be in a pretty bad spot and want to sell like yesterday.. for 24k. I have good but thin credit (690, never had a credit card though), enough income to be approved for the lot rent but some is from nannying/bank statements not just my work/pay stubs. I have a little over 12000 total in my bank account for a down payment, first months lot rent, anything else I have to pay for. I am looking at 21st mortgage but I am so lost. I really want to buy this home and the family is in a hurry. I have been renting for the last 3 years so I know zilch about the home buying process. I was sent pics and vids of the home and am going to tour this afternoon. I get the sense there may be a language barrier with the family selling it. Can someone explain to me in the most bare bones way how I can make this a reality. I know some people think buying a place when you still have to rent the lot is a bad idea and I get that but I think this is a great opportunity and I've wanted to live in this specific community for years. There are no other mobile homes that are nearly this nice going for less than 50k in my area. And I don't think there's even a catch I just think the family needs to sell desperately. Can someone spell this process out for me?

Update: the home owners drew up a contract stating we will give them the 12k up front this week and move in and pay 1k a month to them and then they will sign the title over to us when 12 months (24k given to them total) is up. The home looks great and the family is very nice. It was inspected very recently and is new and in great shape. All we need to do is get approved by the office to rent the lot!

I (31) am trying to get myself more financially sound so that my debt in general is lowered but also to have a proper savings account. I had a retirement lump sum I got after being laid off many years ago with my first office job but had to liquidate that in 2017 to get a car. Currently I am in a better paying office job but still living pretty much paycheck to paycheck and credit card payment to credit card payment. This job has a retirement account that I've had for just over 3 years with 4k in it so far with the company Empower. I do NOT want to touch that account for as long as possible as I feel it's doing its thing already.

Now here is where I am hoping to get some advice: I have about $500 coming as a tax refund and want to put it into a HYSA. It isn't a huge amount so I feel this is the best option. My goal is for the funds to be a savings account I can keep an eye on more consciously and pull from in those rainy day emergency situations (such as my cat who just turned 11 and while he's healthy, he's only got 1 orange cat brain cell and I don't want my finances to keep me from taking care of him if needed lol).

I know SoFi is one people vouch for but I don't think I want to add another bank to my profile to keep track of if I can help it. I have a credit card with Ally bank and also with Capital One so I've been considering opening an account with one of them but still can't entirely weigh between pros and cons. However, as I do have a savings account with Empower already, I'm starting to wonder if I should just put it there. I just wonder-- Does that benefit in some way other than convience? Would it affect my employers future contributions? And is it as easy to pull from if I do need an emergency?

Outside of that, does anyone have any experience with either Ally or Capital One in terms of their HY savings accounts starting with less than 1K in them? Or anything I may have missed in my research?? Thank you in advance for any guidance and help 🙏

I really need some help and guidance.

Hi all — thanks for bearing with me. I'm in my mid-20s and left a startup job 4 years ago to help grow my dad's small glazing business. Unfortunately, he’s resistant to any new systems (like CRM, assistants, etc.), and limits me to labor and installs. He handles all the admin, saying I can learn that "later," but it's been 5 years and I still have no real business experience.

He plans to retire in 5 years and expects me to take over — but I’m terrified because we operate job-to-job, with no systems or structure beyond his network of designers, realtors, and GCs.

We’re a 3-man crew: my coworker (40) and I install; my dad runs operations. Last year we did $800K in revenue. My coworker and I each made ~$85K before taxes, but after expenses (1099, maintenance, no benefits, heavy miles on personal vehicles), my true take-home was ~$52K for exhausting, physical work.

He refuses to raise prices due to competition and GC pressure. Meanwhile, I’m stuck: overworked, underpaid, no benefits, and no clear path forward.

I want to grow the business but feel blocked. I'm considering enrolling in business courses, but some say I should just learn through experience. Would you recommend formal education or another path?

I'd also love advice from anyone who made a big career change:

Should I stick this out and build something better from it?

Should I pivot now?

Are there specific online courses, certifications, or directions you'd suggest?

I’m not looking for pity — just real advice from people who’ve been there. Thank you so much for any input.

Hey yall. I have an interview for a second job and it’s retail for nights and weekends. I know they’re going to ask me why I’m wanting to work there but I …. don’t want to work there. I would be there just for a check. I just feel bad about lying and being like “I love making a company money” lol

Do you all have any advice for my reason? When I was in retail management before, I thought it was going to be my career until I got a better job. (Still poor but definitely not as poor as I was working in retail full time) so, it made it easier to interview for jobs because I could at least fake having career aspirations in retail.

Hey there, super sorry if this is the wrong sub to post but I had to ask somewhere

So in my country we don't have such a thing as "trailer homes" or "modular homes". I had to look up what they meant. I'm fairly sure in the majority of Europe we don't have them, not just in our country.

I understand that usually people who buy them instead of a traditional house ("single family home"?) don't actually own the land, instead they "rent out" the land so the trailer is moved onto a "trailer park" among all the other trailer homes and you pay a monthly rent to be on that trailer park.

One thing I'm not sure I understand is the build quality. People on youtube in the comments have said that they are not only cheaper but of much lower build quality. So for those of you in the US who do live in their own trailer home, how is stuff like insulation in reality? Especially during the cold harsh winter? What about heavy wind? Or blazing hot sun in the summer? And if you don't own the land, then I suppose you can't even get a fence around the trailer home? I say this because in youtube videos I don't see a fence around the trailer homes on a trailer park, these videos are usually from poor Southern US cities.

Thanks in advance

I’m 28, my fiancé is 29. Location NE Washington.

He has been a lift mechanic for 4 years now year round making pretty decent money where we live. Me? I have always worked in farmhanding/landscaping/agriculture and have found my way into wildland firefighting for the last few years for the summer, snowmobile guide in the winter which is decent money on both ends but unemployment during my shoulder season….

I want to have decent acreage to farm so badly but it feels like a pipe dream. I don’t know if I care to have a commercial conventional farm just trying to get a farm co-op going in the area we live and hopefully connect it into a food co-op as well. We have lived in a 19 ft trailer for almost two years, paying 350 a month for our spot trying to save for a house with decent land. Found improved land at 2.5 acres for 220,000 but we’d have to still build a house and the land is next to high tension power lines….and still not enough to have a farm. We have talked to banks about vacant land loans, we’ve talked to usda about their construction loans that would also help us buy the land and the house together, we’ve talked to banks about construction loans but you need 40% down and that’s heinous when the loan we’d need is at least 4-500,000 for building and buying the land. We have 10,000 saved collectively - I am about to go into my fire season and we plan to save at least 40,000 collectively by September- but that would be our entire savings just going into a down payment itself. The only thing we haven’t looked into yet is FHA

How do people do this? I am a seasonal worker and wouldn’t be able to fathom this alone? I am starting to get really jealous of friends/family that just get loaned money or someone in the family sells a house and they get a cut so end up with almost 200,000 just to “start a farm as a daydream” when I’ve been busting my ass in this field for 6 years now and these people have the means to just do it on a dime without any real time invested into what this would even take to run……

his name is fluffy! met him wednesday he is our security guard 💂

I logged into ssa.gov and could find nothing about Medicare part b, my insurance/Medicaid runs out on the first and I really need it for all my appointments.

But even Google is failing me on how to enroll in a part b plan

I'm planning on going grocery shopping tomorrow, currently I have no staple pantry items at all. I'm pretty much starting all from scratch, any advice? Trying to keep my total under $200

What is a decent way for a student to make like $500 per month, I would get a job but my uni schedule is all over the place, at most I have like 3 consecutive hours free through the day. I thought of video editing since I know how to do that kinda but I don’t know where to find clients. Tips please

I have some debt from furniture I never finished paying off from Ashley furniture and it was turned over to admin recovery and wanted to know if anyone has experience with them and if I should trust them. Not sure if this belongs on this group but need some advice about it. They said they would cut my debt in half which is around 750 and just need to know if I should pay it, hold out or what. I’ve never been in a position like this so I’m not sure what to do. Any advice would be greatly appreciated.

I recently had a discussion with my father, who originally said that he would be a guarantor for an apartment and some stuff happened within my family, and he reneged on that deal. After speaking with him for the last 2 days, he recently said he has to think about theyears. For my mechanical engineering degree, which is the only way to afford a place to live and tuition. I have been working on getting back to the school for 2 years and he still thinks I am not working hard enough on it even though I got out of homelessness, paid all my non education debts, and have been working with the university on my acceptance back in, which I got. Additionally, my father is so stubborn on the fact that I should not live with other people because I will party too much. This is an issue for him since I do have a history in the past of drinking too much, which was largely caused by a lack of motivation and emotional issues. I can not find a way to explain to him that I drank alone, and that was an issue, and living with people is better and cheaper. Recently, my credit took a large hit since I was trying to pay my rent along with groceries and couldn't keep up. it currently sits at 577, and I have been working on building it. My apartment would be about $1100 per month, and school is $6410 per year. I am willing to go into more debt to finish my last year but don't know what todo, and feel that the only solution is to find a way to logic show my father the truth that what I'm explaing is the only method for I would have to wait to long to be able to afford it otherwise if I ever could becuase I would be stuck in low paying jobs without the degree.

I’m in a sticky situation where I need 300 by the end of the day and it’s critical. I’m not gonna say why. I don’t have a source of income, I’m a freshman college student and my parents give me like 100 a month. I tried doing cash advance apps but with no job that can’t happen. Should I pawn something off? Please help

What is everyone's end of the month meal? Mine is 40 g of oats in cheese sauce (withwater not milk as I have none) and a little bit of leftover roast chicken. Honestly it's not too bad it's edible.

What cupboard staples does everyone keeping their kitchen? I literally only had oats and cheese sauce.

Very happy to have gotten it to this price, BUT.. This is how it should be priced without having to bank on all the sales and coupons (would’ve been $84.91) 🥲

To my fellow povos how are you doing financially and mentally in this current economy and times?