• 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!
    47 answers · Personal Finance · 4 days ago
  • Best way to build credit when using a credit card?

    I have bad credit and I recently got a low limit card ($300) to help starting to rebuild my credit. I ve had it pretty well maxed out in a week while I was waiting for payday. I just got paid today and paid $250 on it, so I didn t pay off the entire balance owing. I m wondering how I should go about making... show more
    I have bad credit and I recently got a low limit card ($300) to help starting to rebuild my credit. I ve had it pretty well maxed out in a week while I was waiting for payday. I just got paid today and paid $250 on it, so I didn t pay off the entire balance owing. I m wondering how I should go about making payments on my card. Is it better to pay on it whenever I can, or is it better to wait until my statement comes out? I have no idea what looks better to crediters
    12 answers · Credit · 17 hours ago
  • Can our landlord destroy the storage shed we had & not replace it?

    Our landlord had the house we are renting tented for termites. She had our storage shed destroyed & removed because of termite damage to it. The house is a two bedroom so we now have had to use the 2nd bedroom to store our things. We asked when she would be getting us a new storage shed. She said it was not a... show more
    Our landlord had the house we are renting tented for termites. She had our storage shed destroyed & removed because of termite damage to it. The house is a two bedroom so we now have had to use the 2nd bedroom to store our things. We asked when she would be getting us a new storage shed. She said it was not a storage shed but a moving crate another tenant had given her for free. She told us we are welcome to find another one, or to get our own storage shed. We rent month to month & have always paid our rent on time. We've lived here now 15 years, and feel we are being mistreated. She used to be so nice, but she told me she is not running a charity, and then asked us if we realized how low our rent is. Well, it really should be lower since we've lived here this long. The place needs to be updated with new carpeting & new linoleum in the kitchen. It needs a new kitchen sink & a new vanity in the bathroom. We've put up with this for years, and feel we aren't asking much to have a storage shed returned to the back yard like how it was when we first rented. The landlord told us with a 30 day notice as she gave us she is doing nothing wrong. She then said she would get a storage shed for us if we were willing to actually pay $100.00 rent for her doing it. We don't think that's fair & don't want to do it.
    16 answers · Renting & Real Estate · 19 hours ago
  • My parents are taking away my allowance?

    I just finished my third year of college and my parents are MAKING me get a summer job. The thing is, I don't need a job. I have all my college expenses paid for and plus I get a lot of allowance every week to live on. They are saying that they are tired of me sitting at home all summer but the truth is, I have... show more
    I just finished my third year of college and my parents are MAKING me get a summer job. The thing is, I don't need a job. I have all my college expenses paid for and plus I get a lot of allowance every week to live on. They are saying that they are tired of me sitting at home all summer but the truth is, I have things to do so I don't have time for a job. I have to go on dates, go to parties, go on shopping sprees, and go on vacation with my friends, etc. My schedule is already full. Also, they told me that if I don't get a job they are going to take away my allowance. I am extremely pissed.
    15 answers · Other - Careers & Employment · 19 hours ago
  • In 2019 in the United States of America do you get penalized at all for not having health insurance at all?

    My health insurance premium is way too expensive for me to afford and it doesn’t cover anything. And plus even if I had a major medical event I wouldn’t pay any of the bills anyways. If I had a medical emergency and was in the hospital or got surgery I wouldn’t even pay a penny. If it was possible, I would file... show more
    My health insurance premium is way too expensive for me to afford and it doesn’t cover anything. And plus even if I had a major medical event I wouldn’t pay any of the bills anyways. If I had a medical emergency and was in the hospital or got surgery I wouldn’t even pay a penny. If it was possible, I would file bankruptcy on the medical bills. So health insurance is just pointless to me but I heard that the government penalizes and fines people for not having health insurance. I can afford my health insurance it’s just too expensive it would save me money and have more in my pocket to not have health insurance at all. Cuz I wouldn’t even pay any medical expenses or bills anyways. So I heard that Donald trump did healthcare reform that might’ve made health insurance no longer mandatory to have. So is health insurance mandatory in 2019? Will I be fined if I don’t have health insurance at all?
    9 answers · Insurance · 2 days ago
  • Which car do you have?

    30 answers · Personal Finance · 3 days ago
  • I found out my boss has been sabotaging my job applications. What should I do?

    Best answer: first, your salary level is not equivalent to the work performed, you must apply elsewhere, use indeed.com for zipcodes in your area and apply elsewhere today second, you must get over that your boss is taking advantage, many bosses do this in order to retain their help third, start to ignore the poor treatment in... show more
    Best answer: first, your salary level is not equivalent to the work performed, you must apply elsewhere, use indeed.com for zipcodes in your area and apply elsewhere today
    second, you must get over that your boss is taking advantage, many bosses do this in order to retain their help
    third, start to ignore the poor treatment in salary and get an additional job to get some cash going to be self sufficient
    20 answers · Other - Careers & Employment · 4 days ago
  • My landlord never answers the phone?

    I pay my rent early and some times I'm forced too the way my checks are set up if I don't I will be late. Even trying to pay early there have been times that I have been late because no one ever answers the phone in their office. I don't have a email for the owner and her personal line goes unanswered... show more
    I pay my rent early and some times I'm forced too the way my checks are set up if I don't I will be late. Even trying to pay early there have been times that I have been late because no one ever answers the phone in their office. I don't have a email for the owner and her personal line goes unanswered also. Also when I put in work orders no one ever shows up so I call the office and they don't answer either. Like 5 days straight I have left messages saying I am trying to pay my rent and no one has responded/called me back. You'd think someone would answer to collect money. They have a system where you sign up and send your info and the office people are suppose to create you an account I have signed up and sent my info and have yet to have an online account to where I can just login and pay my rent. What should I do I am so tired of this inconsistent agency and I should be charged late fees when I call to pay days straight and get no answer!
    16 answers · Renting & Real Estate · 2 days ago
  • Sales tax/ does the us government want me to collect sales tax for items sold at a yard sale?

    for instance, i bought a sofa and paid sales tax on it when i bought it from the store, does the government want to double dip and collect again?
    for instance, i bought a sofa and paid sales tax on it when i bought it from the store, does the government want to double dip and collect again?
    15 answers · United States · 2 days ago
  • Are tiny homes a scam?

    Best answer: Well, not a scam in the sense of a con-artist setting out to liberate gullible people from their money but I get your point. It's more like desperate people fooling themselves that they're doing okay when they're really just a new form of transient poor, the educated, formerly middle-class. Would tiny... show more
    Best answer: Well, not a scam in the sense of a con-artist setting out to liberate gullible people from their money but I get your point. It's more like desperate people fooling themselves that they're doing okay when they're really just a new form of transient poor, the educated, formerly middle-class. Would tiny homes be a thing if there were job security and housing costs reflected income? I think not. What really, really gets on my **** about tiny home owners is that they convince themselves that they're not moochers what they park up in friends and strangers properties, rely on their utilities, and "borrow" all the useful paraphernalia other people have to store while convincing themselves that they're making an even exchange with a bit of lawn mowing and whatnot. They are neither a self-contained household nor an interdependent community.

    The irony of course is that as crap as caravans/mobile homes can be they're much better planned and laid out than tiny homes, but there's a deeply classist sentiment separating the two populations. Not that I want to live in some sort of urban dystopia (I make my living consulting on and/or renovating listed building), but a dense city like New York has a much lighter footprint that the equivalent population spread out. I think of tiny houses as a phase some people need to go through, a bit like playing house, actually, just like playing house. Sadly, at the other end of the phase many people will need to accept that the movement wouldn't exist if there was decent affordable housing near decent, secure employment.
    11 answers · Renting & Real Estate · 21 hours ago
  • I want credit card?

    22 answers · Credit · 4 days ago
  • Apartment complex making me wait to move in?

    I am moving into a very nice apartment community. I got accepted over a month ago and i signed my lease yesterday and made all my payments. When i went in this morning to get the keys they told me its not ready yet and to come and get the keys at 6pm. I drove to the apartment and peeked through the windows and... show more
    I am moving into a very nice apartment community. I got accepted over a month ago and i signed my lease yesterday and made all my payments. When i went in this morning to get the keys they told me its not ready yet and to come and get the keys at 6pm. I drove to the apartment and peeked through the windows and nothing is finished yet. Only thing they have done is the new flooring but the cabinets are missing doors and the apartment comes with a washer and dryer and they both are sitting in the living room. To me this is very unprofessional and unreasonable. If they knew today was the move in day then they should have had everything done days before. What are your thoughts
    10 answers · Renting & Real Estate · 18 hours ago