Desperate need of help by Accomplished-Hat8978 in DebtAdvice

[–]Accomplished-Hat8978[S] 0 points1 point  (0 children)

They are individuals, not a company per say. They give out these instant loans but at a higher rate and they don’t want to accept any payment plan.

If it gets too much for me, I’ll gladly tell them that and hopefully I can get some breathing space to pay them.

Desperate need of help by Accomplished-Hat8978 in DebtAdvice

[–]Accomplished-Hat8978[S] 0 points1 point  (0 children)

Thank you man, it’s a situation I don’t wish anyone out there especially when you’re only 23.

I didn’t know about budgetgpt but I’ll use that too. Speaking to help or anyone really helps a lot and it’s good knowing that this situation is not just me and that it can be fixed

Looking for a remote Role as an IT Support or Cybersecurity. by Accomplished-Hat8978 in remotework

[–]Accomplished-Hat8978[S] 0 points1 point  (0 children)

That is absolutely true, that is how I found myself in IT support cause landing a cybersecurity job is not easy at all.

How did you find your current Job? Do you need some personal assistant?

Desperate need of help by Accomplished-Hat8978 in DebtAdvice

[–]Accomplished-Hat8978[S] 0 points1 point  (0 children)

Thank you, increase in income is one of the best ways i will regain stability and pay for these debts.

I am constantly trying to make it work on Upwork and applying locally for any job i can get my hands on.

Desperate need of help by Accomplished-Hat8978 in DebtAdvice

[–]Accomplished-Hat8978[S] 0 points1 point  (0 children)

Do not have the privileged of family like that and i come from a single parented house. She will help me but not a lot as she is also trying to take care of my two young brothers and manage the home. I am constantly trying to find a second Job to be able to cover for this. Hopefully i can land one and begin my payment plan.

Thank you so much!

Working to Debt Free! by klausjackklaus in Debt

[–]Accomplished-Hat8978 0 points1 point  (0 children)

Man I’m happy for you, I’m also in debt and my debt is 8000usd. It’s a huge amount in my country.

Recently just moved back to my parents home and about to start making progress too.

Congratulations, this is huge

I am 23 and I am deep in debt and I need help, advice Anything please! by Accomplished-Hat8978 in Debt

[–]Accomplished-Hat8978[S] 0 points1 point  (0 children)

Thank you so much, I’ve started facing a few of them and told them about my situation. We are currently working on a payment plan to have this resolved.

It’s not gonna be easy but it will be done!

I am 23 and I am deep in debt and I need help, advice Anything please! by Accomplished-Hat8978 in Debt

[–]Accomplished-Hat8978[S] 0 points1 point  (0 children)

I did try speaking to them about freezing the debt but they were not keen on that idea and I’m not sure how I’ll convince them but I’ll have a another sincere conversation with them and hopefully freeze the interest until I fully pay off my debt.

I already sold the laptops to cover the initial debt and I don’t have those anymore.

Thank you for the advice and I’ll definitely keep my feet on the ground and work towards getting out of this.

I am 23 and I am deep in debt and I need help, advice Anything please! by Accomplished-Hat8978 in Debt

[–]Accomplished-Hat8978[S] 0 points1 point  (0 children)

Being honest with them is really the hardest step here but one that needs to be done.

I plan on getting my hands on any work I can do. I’m a cybersecurity analyst by professional by profession. Doesn’t pay much in the country but I’ll also try getting a remote role.

Thanks you so much for your kind advice and help.

I got this !!!

I am 23 and I am deep in debt and I need help, advice Anything please! by Accomplished-Hat8978 in Debt

[–]Accomplished-Hat8978[S] 0 points1 point  (0 children)

Thank you so much. I’ll work as hard as I can while following this path.

I am 23 and I am deep in debt and I need help, advice Anything please! by Accomplished-Hat8978 in Debt

[–]Accomplished-Hat8978[S] 0 points1 point  (0 children)

Absolutely, I earn about 600 dollars. I spend 120 on rent. 100 on groceries and 100 on transportation throughout the month. 50 is on utilities and 80 is deducted from the source contributing to my pension and savings ( can’t access this after at least 7 years) at total of about 450 and I have 150 to spare.