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  • 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 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!
    42 answers 3 days ago Personal Finance
  • I want credit card?

    22 answers 3 days ago Credit
  • 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 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
    10 answers 5 hours ago Credit
  • How to legally evict family member from home? i rent and they are not on the lease but have stayed here almost two months now.?

    18 answers 2 days ago Renting & Real Estate
  • 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 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?
    8 answers 24 hours ago Insurance
  • 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 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.
    13 answers 6 hours ago Renting & Real Estate
  • 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 salary and get an additional job to get some cash going to be self sufficient
    19 answers 3 days ago Other - Careers & Employment
  • Which car do you have?

    26 answers 2 days ago Personal Finance
  • 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 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.
    12 answers 6 hours ago Other - Careers & Employment
  • My dad is moving a woman into the house soon and they are both trying to get me evicted. Is it legal for her to change the lock on the door?

    12 answers 8 hours ago Renting & Real Estate
  • Agree/disagree: money makes people jealous?

    22 answers 2 days ago Personal Finance
  • 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 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 1 day ago Renting & Real Estate
  • 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?
    15 answers 1 day ago United States
  • My mom lives in low-income housing for the last 10 years. Violated her month to month and received a 30 day notice.?

    19 answers 2 days ago Renting & Real Estate
  • I’m in debt $2500 with my car, and I also have other debts. They came towed my car 2 days ago. If I file bankruptcy could I get my car back?

    25 answers 3 days ago Personal Finance
  • Does having an extra $10,000 saved mean much?

    11 answers 15 hours ago Personal Finance
  • Are tiny homes a scam?

    Will they really save the world from environmental discretion or are they just a way to trick people into feeling good about living in a house that's smaller than the recommended living space?
    10 answers 8 hours ago Renting & Real Estate
  • Trying to quit new job?

    i am trying to quit my new job, i am still on 3 months probation. It is proper to still give them a letter of a 2 weeks notice or since i am still under probation do i quit on the spot?
    6 answers 2 days ago Other - Careers & Employment
  • 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 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 4 days ago Personal Finance
  • My former employer owes in $20K of money placed on my credit card. What do I have to file to reclaim the money owed to me by the company?

    7 answers 5 hours ago Credit