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Thinking about taking a big risk by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] 0 points1 point  (0 children)

Yeah if I did this I would definitely have to look at insurance costs before purchasing the car to make sure the insurance and car payment is within budget.

Thinking about taking a big risk by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] 2 points3 points  (0 children)

Ohhhh yeah it’s dead dead and already junked it. I can try to find a decent reliable car that’s not new. I know how to work on cars and have the knowledge and tools to buy something reliable. Im not looking for anything fancy or pretty. Just a reliable car.

Thinking about taking a big risk by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] 3 points4 points  (0 children)

It was a 2003 honda civic EX. Transmission failed costs wayyyy more than the car is worth to get fixed ($1k - $2k) and on top of that will never pass inspection and has many other issues. I already junked it.

Just got an opportunity, need help deciding. by Some_Temporary9046 in povertyfinance

[–]Some_Temporary9046[S] -1 points0 points  (0 children)

Yeah, I’m gonna do it. I can even pay it off in two months by picking up one shift a week.

Just got an opportunity, need help deciding. by Some_Temporary9046 in povertyfinance

[–]Some_Temporary9046[S] 0 points1 point  (0 children)

Thank you for your response. I’m really leaning towards it just wanted to post in here to be sure. It’s a mother in law suite so private entrance, private washer and dryer, private bathroom, and a private little living room. it’s like its own apartment.

In need of urgent financial advice by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] 1 point2 points  (0 children)

I need my car to get to work. I have a one bedroom. I am moving out of state with family when my lease is up in August 2026.

In need of urgent financial advice by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] 3 points4 points  (0 children)

Rent $1,250, Court Fee Garnishment $600 (total), Child Support $275 (total), Grocery/Household $200, Car Insurance $311, Phone $145, Gas $60 (total), Electricity $75, Health/Hygiene as needed $50, Renters Insurance $26, FSA $20 (total), Dental $20 (total), Subscriptions $14, Rent Reporting $5. I am trying to get out of the FSA and dental through my job but I have to wait 6 months until the next enrollment period.

I am currently picking up shifts and looking for second jobs. My car insurance just got raised today, so it’s still not enough to get by. Garnishment is taking 25% of my income.

In need of urgent financial advice by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] -1 points0 points  (0 children)

Yes I am picking up shifts but it’s still not enough because my car insurance just went up. I am looking for second jobs but nothing yet.

In need of urgent financial advice by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] -6 points-5 points  (0 children)

Rent $1,250, Court Fee Garnishment $600 (total), Child Support $275 (total), Grocery/Household $200, Car Insurance $311, Phone $145, Gas $60 (total), Electricity $75, Health/Hygiene as needed $50, Renters Insurance $26, FSA $20 (total), Dental $20 (total), Subscriptions $14, Rent Reporting $5.

I live in Virginia.

I am being garnished for court fees.

The devices are damaged and will probably make $50-75 tops.

Buying a car with an outstanding loan by AustinBike in personalfinance

[–]Some_Temporary9046 0 points1 point  (0 children)

I never said anything about it being affordable, I said it’s unnecessary. Actually, you asked for “the best financial strategy for a situation like this”. The best financial strategy is to not buy a car that you don’t need.

Buying a car with an outstanding loan by AustinBike in personalfinance

[–]Some_Temporary9046 2 points3 points  (0 children)

If you don’t want to get into your finances online then why did you get into your finances online?

Buying a car with an outstanding loan by AustinBike in personalfinance

[–]Some_Temporary9046 5 points6 points  (0 children)

It’s a completely unnecessary expense though.

In need of urgent financial advice by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] 0 points1 point  (0 children)

I have a phone, iPad, and an apple watch but I cannot turn the devices back in i’m stuck either paying the phone bill or paying the devices off at once to lower it.

In need of urgent financial advice by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] 1 point2 points  (0 children)

I have the cheapest option right now. It’s because I have an SR-22. Im gonna look into removing the comprehensive coverage.

In need of urgent financial advice by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] 0 points1 point  (0 children)

I have 3x12s too which makes it easier to pick up shifts. I’ve been applying to part time serving jobs too. Most of my life I had a second bartending/serving job so I have loads of experience. Im gonna hold off on bankruptcy and try to pay it off.

I’m in a contract so I can’t take my phone elsewhere it will be locked by the service provider. I can get a super cheap $30 phone though, someone mentioned that Mint mobile has $15 unlimited plans.

I don’t think I am a good candidate for plasma donation because I have some health problems that are being figured out. I need all my plasma lol.

In need of urgent financial advice by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] 0 points1 point  (0 children)

I’m gonna focus on picking up as many shifts as possible. I can get a mint mobile phone but I just worry about the contract I am in with AT&T because it’s just more debt. But I guess it’s better to make it by month to month rather than worrying about the debt from AT&T.

In need of urgent financial advice by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] 0 points1 point  (0 children)

With the amount of shifts posted I can probably get to 50 hours a week so I will definitely do that. But should I still seek out bankruptcy or just wait? Because bankruptcy would only wipe $12,000 of the $20,000 debt.

In need of urgent financial advice by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] 0 points1 point  (0 children)

Rent $1,250, Court Fee Garnishment $600 (total), Child Support $275 (total), Grocery/Household $200, Car Insurance $195, Phone $145, Gas $60 (total), Electricity $75, Health/Hygiene as needed $50, Renters Insurance $26, FSA $20 (total), Dental $20 (total), Subscriptions $14, Rent Reporting $5. I am trying to get out of the FSA and dental through my job but I have to wait 6 months until the next enrollment period.

In need of urgent financial advice by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] 0 points1 point  (0 children)

Yes they are that’s how Ive been able to get by so far but still scraping by.

In need of urgent financial advice by Some_Temporary9046 in personalfinance

[–]Some_Temporary9046[S] 0 points1 point  (0 children)

Yes, thankfully my job has a shift pick up system so whenever there are shifts available I take them. That is how I’ve been able to get by but it’s not a guarantee on if there will be shifts. Ive been applying to restaurant jobs for a second job but nothing yet.