• I am 23 years old and struggling financially to get my head above water. What should I do?

    I’ve been on my own since I was 18. Balancing school, work, and bills. I thought I had it all figured out. I had a good job and was making good money. I was making so much money and my credit was great. I was able to finance my first car on my own with no assistance. But I kept getting new cars (this is my 4th... show more
    I’ve been on my own since I was 18. Balancing school, work, and bills. I thought I had it all figured out. I had a good job and was making good money. I was making so much money and my credit was great. I was able to finance my first car on my own with no assistance. But I kept getting new cars (this is my 4th car) so my car note went from $200 to $384 to $550 to currently $800! (Very stupid and impulsive) I was doing ok until about a year ago when I got a new job. The salary seemed like it was going to be more than what I was making previously until I found out they take almost $400 a month out for state retirement (no exceptions). So I got a second job as a waitress which helps me and when I’m not doing that, I do freelance graphic design. Its gotten so bad that I’ve stopped paying loans and credit cards. I even tried debt consolidation which was $400 a month that I could no longer afford. At this point my credit is ruined! Plus I just graduated college last semester so I have to start paying my student loans. I don’t get any financial assistance from my family whatsoever(they are barely making it themselves) so I can’t move back home. I am literally my only support. I’ve even considered bankruptcy. I spoke with a lawyer and he wanted $1200 (which I clearly don’t have) and I’m only 23, bankruptcy would make it even harder for me to move and get approved for an apartment What should I do at this point? I just feel stuck and stressed out!
    52 answers · 6 days ago
  • Bank Of America Thinks I Deposited A Counterfeit Check.?

    I had a good amount of money in a different checking-account for YEARS, switched to Bank Of America and decided to put that money into a checking-account with them. When the other bank sent that money via cashiers check, they obviously closed my account along with it. Now, with my procrastination, I didn't... show more
    I had a good amount of money in a different checking-account for YEARS, switched to Bank Of America and decided to put that money into a checking-account with them. When the other bank sent that money via cashiers check, they obviously closed my account along with it. Now, with my procrastination, I didn't deposit that check for about a week after they sent it. There was a hold on the money for about a week, which is typical for Bank Of America anyways. I had two different checking-accounts with BOA, one for my work-money, one for the potential of the transferred-money. One day, my cards didn't work. I called and they told me that my check was a counterfeit. I know this check isn't counterfeit. As I said, I had that exact money in a different checking-account for years. Used it and everything. No problems. I asked them if they could tell me what they thought was counterfeit about it, but alas, they couldn't; didn't. They say I have to call them on Tuesday to see how we can proceed with getting the funds. I was told by a Teller that it could have nothing to do with the check itself, but with other facts, like different-addresses..etc. (I have switched my address many times.) I was wondering, what do you guys think could be "counterfeit" about the check? Thanks!
    8 answers · 7 hours ago
  • You know how some public pension funds give you a refund if you're not vested.....can you get a refund from social security?

    Best answer: No one can "withdraw" social security taxes in the form of a refund. The only way a person can get social security is by receiving disability, survivor or retirement benefits. As for how many credits are needed - it is true you must have 40 in order to receive retirement benefits. But that is not... show more
    Best answer: No one can "withdraw" social security taxes in the form of a refund. The only way a person can get social security is by receiving disability, survivor or retirement benefits.

    As for how many credits are needed - it is true you must have 40 in order to receive retirement benefits. But that is not necessarily true of disability or survivor benefits (to pay spouses and dependent children). If a person becomes disabled or dies before age 22 they need only 6 credits. The # of credits needed increases as a person ages until it reaches 40.

    If a person has paid into the program but not long enough to receive from it then the monies they contributed are used to pay out benefits to those who are entitled - just like any insurance program.
    7 answers · 6 hours ago
  • Which car do you have?

    33 answers · 5 days ago
  • Babysitting payment problem, help needed!?

    So I babysit like once or twice a week for family friends. Usually it’s only two hours, so I’ll get paid like $15 - and I’ve never complained. I think it’s pretty reasonable. But the last time I was there (Thursday, May 23) I stayed for 4 hours, and I got paid the same - $15. Which isn’t even $5 am hour of you... show more
    So I babysit like once or twice a week for family friends. Usually it’s only two hours, so I’ll get paid like $15 - and I’ve never complained. I think it’s pretty reasonable. But the last time I was there (Thursday, May 23) I stayed for 4 hours, and I got paid the same - $15. Which isn’t even $5 am hour of you think about it. I think he ripped me off and thinks he can get away with it just because I’m a family friend and he knows I’m not gonna speak up about it because it’s awkward and I’m only 15. I just don’t know what to do about it and I’m starting to get more and more annoyed with him. It’s not like I can argue that “we agreed on ___ an hour” because that’s not the case, he just pays me $15 every time I go, so I really have no idea what I should do about it. Help please!!
    7 answers · 11 hours ago
  • Why do some people have a spending problem and spend lots of money? Is it because they're bored usually?

    I know someone (a friend) who spends money everyday on random things. If they were given an extra $1,000 to spend, they'd probably spend all of it in less than a month on random things they don't need. I'm trying to explain to them that just because I got a good job, it doesn't mean I should go out... show more
    I know someone (a friend) who spends money everyday on random things. If they were given an extra $1,000 to spend, they'd probably spend all of it in less than a month on random things they don't need. I'm trying to explain to them that just because I got a good job, it doesn't mean I should go out and randomly spend money on things.
    7 answers · 14 hours ago
  • If you are on Social Security retirement can you still qualify for disability?

    Best answer: Only if you are under full retirement age - if you are talking about social security disability benefits. There is no such thing as a social security disability benefit once someone reaches full retirement age. You can't receive retirement AND disability - it's one or the other. If your disability is... show more
    Best answer: Only if you are under full retirement age - if you are talking about social security disability benefits. There is no such thing as a social security disability benefit once someone reaches full retirement age.

    You can't receive retirement AND disability - it's one or the other. If your disability is approved then they will adjust your payment rate. Disability benefits are not normally reduced but the disability benefit would be reduced by the # of months you received a retirement benefit before the month of entitlement to disability. Example. You started getting retirement benefits at age 63. Your disability will kick in as of age 64 and two months - your disability will be reduced by 14 months - the # of months you received the retirement benefit. Example #2 - You started getting retirement benefits at age 63 and filed for disability. The disability was approved and the month of entitlement to disability was before age 63 - there would be no reduction in the amount of the disability benefit. They would deduct whatever benefits you received from the retirement claim while the disability claim was pending.
    6 answers · 9 hours ago
  • Do you need a bank account to have a job?

    Best answer: When I was 16 and had my work permit, I simply went to a local bank and was able to open both a savings account and a student checking account without my parents being involved. In general it helps to have a job already. Make some phone calls to local banks and credit unions and find out what their policy is-it... show more
    Best answer: When I was 16 and had my work permit, I simply went to a local bank and was able to open both a savings account and a student checking account without my parents being involved. In general it helps to have a job already. Make some phone calls to local banks and credit unions and find out what their policy is-it varies from one place to another.

    Sad that your parents are so ignorant that they don't want you to start learning how to handle money. Some companies require direct deposit of paychecks but in some states it's illegal. Find a job first and then a bank or credit union will be more willing to open accounts for you.
    12 answers · 3 days ago
  • My mom keeps withdrawing money from my account?

    How should I change this at that bank to make it so she cannot do this? I have her name listed but only want my account accessible by her if something ever happened to me. Not when I'm fine and able to use it. She withdraws my money to lend my brother to borrow and then she always says she'll pay me back... show more
    How should I change this at that bank to make it so she cannot do this? I have her name listed but only want my account accessible by her if something ever happened to me. Not when I'm fine and able to use it. She withdraws my money to lend my brother to borrow and then she always says she'll pay me back but never does. This isn't okay. I don't work just so she can give money to my brother. And it's not my fault he has no money.
    6 answers · 13 hours ago
  • Should I give a lump sum payment toward my student debt?

    Best answer: You are thinking it through correctly. Paying down debts is the right thing to do but only in safety. You are debating how much you need to be safe. That's the correct approach. You are also taking future large expenses into account.That's also correct. Avoid going into new debt while you are paying off... show more
    Best answer: You are thinking it through correctly.

    Paying down debts is the right thing to do but only in safety. You are debating how much you need to be safe. That's the correct approach.

    You are also taking future large expenses into account.That's also correct. Avoid going into new debt while you are paying off old debt.

    First figure out the size of your emergency fund. You think it should be $3-4K. That much makes sense.

    Next get that car. used of course. As reliable as possible knowing whatever you know about cars.

    Once you have the car use the rest to pay down one loan. Which one hardly even matters since you are doing accelerated payments.
    20 answers · 6 days ago
  • If gave fuel station clerk your debit card to hold while you pumped gas outside ,,,would go and get a new debit card afterwards?

    Best answer: If you open a tab at a bar you usually turn over your card to the barman/maid and yes, they too could just write down your card details and then clean you out online afterwards. But one never thinks of this and I've never been the victim of it. I would have thought that a drivers licence would have been of... show more
    Best answer: If you open a tab at a bar you usually turn over your card to the barman/maid and yes, they too could just write down your card details and then clean you out online afterwards.

    But one never thinks of this and I've never been the victim of it. I would have thought that a drivers licence would have been of more use to the gas station attendant than your debit card, personally I wouldn't go and get a new card after but if your mind cannot rest then yes, get a new card and next time leave your drivers licence instead.
    7 answers · 2 days ago
  • What happens if you negative your bank account and cant afford the fee?

    What happens if you accidentally over withdraw ur account and you tell ur bank you wont be able to afford the fee? They cant necessarily put me in jail for money rip off, cause I have a disability
    What happens if you accidentally over withdraw ur account and you tell ur bank you wont be able to afford the fee? They cant necessarily put me in jail for money rip off, cause I have a disability
    8 answers · 2 days ago
  • I'm 15 and Im sick of everyone thinking money is the key to happiness. Seems like we waste our life away earning money and not enjoying it.?

    Best answer: Money is the key to DRUGZ!

    If you have lots of drugs you can have lots of sex and fun.
    Best answer: Money is the key to DRUGZ!

    If you have lots of drugs you can have lots of sex and fun.
    22 answers · 5 days ago
  • Will I be forced to give up my child if I can't support it?

    I am 5 months pregnant and my parents told me that if I want to keep my child, either me or my boyfriend will need to get a job because they are not paying for anything. We have been looking for a job for the past 2 months but nobody wants to hire us because we are only 15. Will I have to give up my child?
    I am 5 months pregnant and my parents told me that if I want to keep my child, either me or my boyfriend will need to get a job because they are not paying for anything. We have been looking for a job for the past 2 months but nobody wants to hire us because we are only 15. Will I have to give up my child?
    6 answers · 1 day ago