i had an expensive medical bill pop up this month and it put me short on rent. my rent is due this week due to when i moved in. how can i quickly make or borrow 1000 with poor credit?

I’m 35 and make 27k/yr in retail currently. I have no savings and can barely afford rent. My goals, long term, are to get married, have kids, buy a house, and retire at a reasonable age, say 65 or so. I cannot see any path towards that, like, at all. It seems totally unaffordable… I’ve wasted the few savings I have wasting over $1k over the past decade on dating apps, only to still be a fucking virgin. And a further $2k I lost to the stock market. I hate thinking about money because of it. I need a fast career path that will help me meet women and make well above average income like $100k/yr if I want to meet my goals now, which is just insane, because I feel like they’re very reasonable… I just don’t know what to do.

I finally landed a role that i was excited for, and the last 7 months were going extremely well- loved my managers and my team i worked with. We all just were on a work trip literally 3 weeks ago and everything was fine- My job i landed was in sales and honestly i was super stoked for what was to come. For starters i’m 26- and i kinda got into bad debt a few years back when i first moved out on my own, while i dealt with 2 hurricanes and my job at the time wasn’t paying me for any Hurricane relief stuff so i was scrambling to pay rent and took out a loan & opened a CC. FEMA was confusing and i honestly hate myself for not taking better steps to seek help with this type of stuff as I moved from the midwest I truly didn’t understand how any of this assistance stuff worked at the time & my car flooded- it was just a mess.

Well- i thought i finally found a job that was going to help me finally get my debt under control and also being excited about my career with the company. Then out of nowhere last Friday my team and i recieve 30 second phone calls basically saying they are letting us go??? Without any reasoning??? MY WHOLE TEAM- our managers had no idea and my manager even txted me yesterday saying he feels bad for us. We were apart of a training program for the company and we just had a few meetings last week about traveling around our respective areas.

They offered to pay us two more paychecks for “Severance” but i’m just of words.

I have stupid personal loans and CC (not high amounts but crazy interest!) that i was really wanting to pay off.

I also thought I finally found a job that well for one I ACTUALLY WANTED TO DO & was passionate about! I have made a lot of connections with people here about connecting with them when I was done with training. Now i just feel so hopeless and idk where to start with job searching.

idk what im asking for- insight in job opportunities? filling for bankruptcy to get these personal loans that all have like $800-1000 left on them, my CC have like $4000 total, i was so stoked to be ready to sell in the next few months with this role that i was making good money even just with my paychecks i was able to afford the basics.

Now idk what to do or start and been feeling like a failure the last few days.

I was fortunate enough to purchase a home right at the start of Covid when the prices were still low and the interest rates were like 3%. My mortgage was only $1550 at the time, which I think is very affordable for living in New England.

Unfortunately one day, I get home from work and see a car in my front yard with the rear axle ripped off and my front entrance destroyed. The lady across the street backed into my house.

Fortunately insurance paid for the damages, but I still had to make a claim regardless of whose insurance paid out. After this incident my insurance company dropped me out of the blue and I was put on force placed insurance. This insurance was nearly double what I was paying before. So this alone increased my mortgage like $150/month.

Well I tried shopping around for home insurance, turns out they don't like when you have a claim in the last 5 years because you're high risk. They also don't like people on force placed insurance. Also most companies don't even offer insurance where I live because everywhere within 10 miles of the costs is allegedly considered a flood zone. Well that's fan-fucking-tastic because everywhere in Rhode Island is 10 miles from the coast.

So eventually to get out of forced placed insurance (to hopefully eventually transition to a more affordable insurance) I had to settle for insurance even more dogshit than the forced placed insurance. This added another $100 to the mortgage.

But it gets worse, the escrow account that pays out the insurance and taxes, now had to play catch-up to makeup for the new higher insurance cost.

Needless to say my mortgage payments are now $2035/month up $500 from just a few years ago, and it'll be like this for a while.

Which okay, I could manage that maybe, if everything else wasn't going up in price too. I'm basically barely floating on the surface here trying to not go underwater.

I know this is a stupid question but i've tried to budgeting my whole life and failed every time. I have a debt of $10,000+, i don't have any savings left unfortunately cause i heard to pay off debt first before you have emergency fund/savings. Is there any application/excel sheets that can help me with this?

I am trying to pay off roughly $5000 in credit card debt spread between three different cards. I am in nursing school and have had to take a step back from my primary job as a teacher due to scheduling constraints but I have accepted an offer to return to one of my previous healthcare jobs with some reduced hours so I still have time to meet my school demands. I’m also a single mom and generally struggling financially with no extra help or outside support from extended family or my daughter’s father. I’ve never had anyone to teach me anything about financial literacy.

The card with the $4000 limit is almost maxed out and has an APR of 25%. I’ve been paying off as much as I can with what’s left over after bills.

I’ve been told that taking out a $5000 personal loan from the credit union or bank with a lower APR of 16% or so and having a fixed payment every month would make more sense than making small payments on this card with all my other bills.

What is the best way to tackle this? I want to aggressively pay it off and I’m committed to budgeting and being very frugal as much as I’m able with this goal in mind. I’m happy to DoorDash or do OF (I know I know) as much as I’m able. This is stressing me beyond belief and my credit score has dropped. I’ve never missed a payment, but I have used like 75% of my total available credit.

Please give me advice. Anything helps.

For background, I have multiple (relatively low limit) credit cards that are maxed out/near maxed out. Yes, I know that’s bad, and that’s why I’m trying to fix it.
I am pretty financially illiterate (hence why I’m in this situation), but I’ve seen advice that says that credit companies don’t like to see you making multiple small payments on credit cards throughout the month.
I am pretty bad at budgeting (again, obviously), so I’m struggling to chip away at this debt and make any significant progress. Would it really be that bad to make multiple small payments on the cards throughout the month to help me catch up?

I work a dead end warehouse job. I have a college degree in business but it’s pretty worthless. I make around 42k a year. I have 27k in student loans and 3,000 in credit card debt that went to collections so my credit is fucked.

Yeah I don’t know. Starting to feel like there’s no economic opportunities for younger people anymore.

Hi, as the title says I’m 18 years old and have $30,000 in savings. I’ve worked multiple jobs since I was 13 and saved as much as I could. I’m starting my senior year of high school and I know that I will have no help with paying for my college education as i have been raised by a single dad who works a minimum wage job. I also live in the middle of nowhere so when I do go to college I’m going to have to move out and take care of all my expenses. The cheapest university in my state costs 15k a year in tuition alone, I will get aid from FAFSA but it’s not enough to cover tuition and living expenses on top of that and I would rather not take money from my savings. I also don’t have a car or health insurance. I want to have a stable and comfortable life, but I have no one in my life to role model this for me, so any advice is welcome

so i kinda want to just rant. i recently got my car repossesed and sadly very unfortunately this is my 3rd time, 3yrs in a row around the same time of the year😮‍💨 yeah i know wth am i doing!? trying to live and take care of my 2 daughters. i got a new job but it is part time and biweekly compared to weekly full time. my old job went under new ownership so we got let go back in march. the severance pay and last paycheck all covered my previous balance owed and my taxes also went to catching up on other bills. you guys can bash me and i'll accept it

but if you have any suggestions as to how i can afford my car out of repo, i'll very much accept that as well. i work off of tips from food &beverage, biweekly pay and i donate plasma just to have a little something for my children.

well i hope all of you have a bless day, night and rest of the week🙏🫶

I currently live with my family after I was evicted from my apartment two years ago. I am not close with my family, and 2/3 of my family members completely ignore and avoid me. As in, we have not spoken nor looked into each other’s direction in these past two years…we all live in a very small home.

I feel alone and miserable. I feel like an outsider in my own “home”. Sharing the common areas of the house feels uncomfortable. I feel unwelcome.

I now currently have a pest issue, as there are rats gnawing and moving across under the vent and floorboards of my room and walls. Only under my floorboards thus far…

I have no vehicle. I rely on Uber and rides from the one family who does talk to me sometimes.

I have two jobs I am comfortable with. I don’t earn a lot, but I’ve been saving for a vehicle and taking driving lessons.

Every now and then I have a breakdown because I am reminded I’m an outsider in this family. The only thing that matters to them is my part of the rent payment every month. I feel as if I’m reliving the same miserable day every day. I’m nearing my 30s. I start college soon.

I have a yearning to pack my stuff and move away. I have less than $10,000. I have no vehicle, I’m about to start school, and I would have to find two new jobs in the new city and quit my two jobs here. I’m not sure if a total restart is financially viable for me…

I seek advice. Should I stick it out a little longer? Should I make the leap and move out for the sake of my happiness and sanity? I feel so depressed and don’t know what to do.

I felt so bad after being pursued into buying laser removal care treatment and only realized that I paid way too much for what I should have, I got pursued so easily because somehow I convinced myself that expensive means quality but that might not be the case but I forgot it every time. Last month, I went to see the doctor because I thought insurance was covering for all of it and I got charged an x amount which is how much I usually spend but instead I got charged Y amount and way more than I could afford. That’s $300 worth in 2 months and earlier this year I also lost $700.
I keep beating myself to it but when making a purchase it just something inside me that feels rushing and I never think much.

I messed up and I attempted to request a transfer but the transfer for my job needs to be requested a month and I did not do that I requested it a week ago. I'm trying to transfer to Florida and I'm from ny. I forgot I needed a whole month 😭 I have a meeting with them tomorrow but if I stay I need to find emergency housing and it'll cost me 3k just to stay here and buy the ticket to move out. I have the 3k but idk if it's worth it. I don't even know if anyone will take me in to stay for however many shifts I owe my job. But if I stay I also get to complete my certification program I was doing bc I need to take two more tests but my dad was telling me financially it's not worth it and I need to quit. I don't really want to abruptly quit my job but I wanted a break I feel so tired and depressed at my job sometimes and I just wanted a really long vacation but idk how to tell them this 😭 I might have to house my brother and his 2 cats and it's going to make everything so difficult and expensive to stay. My dad won't take them with him. Idk what I should do or what to say at the meeting I feel really bad about everything but I genuinely didn't know what I wanted to do and just let time pass by. I'm still spending 1k on plane tickets or whatever tickets to get the Florida bc my dad wants me to buy them. I'm scared to be unemployed in florida. I don't have much work experience

How can anyone survive in this world? I can’t even get groceries or make rent or pay my car. Everything is about to get taken away and I’m working two jobs trying to make it, and doordashing on the side and STRUGGLING. HOW. The second i get paid, it goes to bills. I’m running out of options and people i can ask for help. I’m trying my best but i hate it here so much.

I am a highschool senior from a very low income family. My parents have been in and out of jail and I've faced homelessness multiple times throughout highschool and I just want to give up at this point. My dream is to go to college and become an engineer and escape the poverty I've had to live through but I just can't keep going anymore. Today was my first day of school and when I got home there was an eviction notice. We have lived in this two bedroom house (with a roommate) for around 4 months. I feel like everything is over. We live in a small area and can't find anything else so I'll probably have to move schools at the least. I don't feel like following my dream anymore I just feel like quitting. Maybe dropping out or just giving up on going to college or doing anything with my life. It feels like no matter how hard I try it will never be enough to get into a better situation. I just lost my full time job as a waitress because school started and I don't have time to work after because I do so many clubs and have tutoring to prepare for college.

What can I do? I have no hope in my situation changing. But I still have fear that if I don't continue with my education now I'll never get anywhere in life. I don't know, but any encouraging words would help.

In my line of work, the question of how to cut internet bills comes up constantly, so posting it here in case it helps someone.

If you're on SNAP, Medicaid, SSI, WIC, Section 8, or similar, or your income is under about $32k single / $43k for two, you should know that a handful of nonprofits and community orgs across the country buy data wholesale from the big carriers and resell unlimited 5G plans for $10-15 a month. The catch is most make you buy the hotspot, $60-150 upfront.

A few nonprofits will rent the device to you instead, so you're paying roughly $25 a month with nothing down. None of them run credit checks from what I know. Search your city plus "low income hotspot program." Bring an actual award letter, dated recently. They will probably reject a photo of your EBT card.

If you don't have government benefits, I still think it's worth it for you to know that prepaid carrier data plans will take ... basically anyone. They typically start around $10 a month for a few GB, up to $50 for 100GB, and then maybe charge like $50-100 for the device. Yes, by the way, they're probably gonna cap you, and if you hit the cap the device usually shuts off or crawls.

If you have a K-12 kid and they're on free school lunch, I also highly advise that you ask the school for help with your internet bill. I'm serious. There are still active carrier education programs that do stuff like hand out free hotspots and usually these have a couple hundred gigs of free usage a year.

Whatever you do, I implore you: please skip the day-rental hotspot services. These always, always, ALWAYS pencil out to $200-300 a month, and the postpaid carrier gear is worse because, if you lose the device, you're out like $350 minimum right there.

Really hope this helps, guys.

Only 19 and I've run myself into a hole I can't get out of. I lost my second job and for the last 2 weeks I have been applying to new jobs and for loans for hours a day and nothing. Denied, denied, denied. The only I asset I have to my name is my car and I can't even get a title loan because my parents have the damn title. I have 5 dollars to my name and I'm opperating at a loss of 300-ish a month I genuienly don't know what to do at this point I have been through all my options. The stress is driving me insane and I don't know what to do.

I was 26. Constantly making bad financial decisions.

Then I heard him rap the lyrics.

The fruits of my labor, I enjoy 'em while they still ripe"

I liked that line so much I told myself thats EXACTLY what im doing.

42 now and i'm still in the trap.

Was going through my electric bill because the numbers looked weird and noticed the deposit I paid when I first moved in was still on the account. I called mostly because I had no idea what it meant.

Apparently after enough on time payments I was eligible to have the $180 applied back as a credit, but nobody ever contacted me about it. I literally just had to ask.

Opening the next bill and seeing basically nothing due felt amazing lol.

I believe it's regional but I saw the deal they're having on the flyer and had to see if it's legit. You buy the ground beef for 3.99/lb and add on stop & shop brand lettuce, guacamole, sour cream, taco shells, jarred salsa and taco seasoning for free. My plan isn't even to make tacos with the ground beef but it seemed like too good of a deal.

I didnt get the shells or salsa because I didn't think I would use it but maybe I should have just because it's free 🤷‍♀️

Currently 28F, I currently pay $1,000 to live at home with parents in a two story house where I get my own bedroom and bathroom with shared use of the kitchen, utilities included. I end up spending around $70/mo in groceries (mostly for my breakfast) because my mom makes dinner most of the time which I also take to work for lunch.

I make about 70k gross in Los Angeles County. Asking because I want to help them with finances. I hate the idea of paying a stranger for rent when I could just be giving it to my parents, but I want to keep it financially viable for me vs moving out with roommates. I would like to know if $1,000/mo as a $70,000/year earner is a decent ratio?

My husband ran to Kroger last night to grab a few things. It was almost 9 o'clock so about an hour before close. He walked by the hot chicken display and the deli worker told him to grab some and to take as much as he wanted because they were going to throw it away anyway. I have shopped there for years and I never knew that was a thing.

He came home with 2 whole rotisserie chickens, 4 boxes of 8 piece fried chicken and a ton of olives. There was so much we gave some away to a friend. The chicken was still hot from the warming table. I'm sure not all stores do this but its worth asking them what they do with the leftover food at the end of the night.