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Soo, this week hit me hard and I would love some advice on what to do?

Soo, this week hit me hard and I would love some advice on what to do?

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catinnameonly

Let me tell you about adulthood, most of us actually have no idea what we are doing. Just throwing a bunch of shit at the wall hoping it sticks. Not sure if you are into Astrology, but Mercury just moved into retrograde this week, which means technology & communication goes haywire and looks like the star gods struck you down hard. Building credit - I agree with your dad on getting a secure credit card. Put your cell phone on it and then pay that every single month. If you can get more than one card do that. Just pay it off every month. Your credit score will go up. I strategically defaulted on my private student loans from a for-profit school. And watched as my perfect credit fell to the low 200s. It took me a few years but I’m back in the high 700s again even with it still on my credit. Don’t miss the funeral. Can you take the bus if that’s your only option? Can you go with your dad? If your dad wants to help with money, ask to borrow the money for a used Honda Civic. Something cheap, but reliable. If your job doesn’t make enough to support you, you need to consider looking for a new one that makes you more. Go get an estimate to from a mechanic and then if it’s over $3000 go back to your boss and just say, “I hate to do this but this they totaled my car. Kelly bluebook has it valued at $xyz. I’m in a tough spot because I want to work here and I need a car to get here. Is there any way I could at least get the basic value of the car so I can get some wheels? Downtime at work, what about learning a trade. HVAC, plumbing, electricians all make bank. Some companies will even pay you while they train you. I was a hot mess depressed mess coming out of art school during the housing crisis. My boyfriend (now husband) owed almost half a million in student loans and our school was shut down for misleading its students. We still got stuck holding the bag. It took about a decade but working with some therapist and a few life mentors I realized living a happy fulfilled life is about perspective. Once you learn to change your mindset (harder than it sounds and takes a lot of self healing work) then you start getting the stuff you want. We now bring in a comfortable six figure income and I have a big hand in fighting for student loan consumer rights. Some folks like to say they leave their lives up to god and it’s in his plan. I personally believe (especially now that I live it) that you actually control the narrative in your own story. Also FO to those victim blaming cops. But also not surprising in any way.


CosmicLightning

Building credit is my idea. My dad's idea doesn't want me to use any credit cards. Sorry if that got lost in the post. Only thing my dad is doing is not really saying anything except helped me take care of the insurance and car damage. I'm not in to astrology much. But I do believe in karma and fate. It must have some reason for all this to happen to me. Maybe because a month ago I called an ambulance for a guy who was having a stroke. I didn't know it was a stroke right away but found out when he called me to thank me for saving his life. Guess this might have angered Satan. Sorry Satan, I just have a knack for saving lives. It's what I like to do. It's why I'm in security. I just thought I should grab a call commercial book and start reading it during the down time. I sure the hell know I can drive truck better then the one that hit me. So I will go to a dmv this Monday for a book. I'm also going to see if I can't rent a car for the time being. See if it's cheaper than a cab or flying. But because my credit score is 576, dunno if they'll let me rent a car.


AsuraSantosha

>Downtime at work, what about learning a trade. HVAC, plumbing, electricians all make bank. Some companies will even pay you while they train you. This!! My husband is a guard and I've known lots. Most of them pass their shifts by with youtube, Netflix, reddit, random internet browsing, etc. Idk how busy you get at work, but if you do have long periods of downtime, online school might be an excellent way to start moving your life in a new direction. The medical field is desperate for people right now so if you like helping people, that might be a good th in mg to look into. It would probably also come with great benefits that might help you get a counselor or therapist to help you learn how to adult and manage your life better. I believe in karma too. And in my life, I've often found that sometimes, a lot of bad things happen, not as some sort of retribution but almost like the universe's way of letting me know to wake up! And make some changes and get my shit together. It can really suck to be hit with so much hardship and bad news all at once. And then you feel like your whole life has gone to shit and you don't know what to do about it. So that's when I start making plans. First I ask myself what I want my life to look like instead (within reason because even if its possible for me to have billions and own a private jet, I'd need to take baby steps to get there.) Then, what's getting in the way of what I want my life to be? Is it my job? My relationships, or lack thereof? Is it a bad habit, like not being organized or being too lazy? A lack of the skills I need? Is it the place I live? Once you know what you want and what's holding you back, then you can make small steps towards what you'd like to accomplish. If your job is the problem, what would you like to do instead? Not sure? Take some career tests! Or some online classes to explore some things. Heck, even something like skill-share might help you try some stuff out. Start doing things that can help you build a resume towards the job you ultimately want. If your issue is a bad habit, you can try to change you habit. Possibly do some research or ask advice on how to change it. If its relationships, you can try to meet people or work on social skills. There are many options here from finding hobby groups, to dating apps, to online friend groups and more. You get the idea. Spend some time to plan out some goals and then take REALLY small steps to get there. I.e. Goal: Get a new job. Step 1: Take a career quiz. NOT Goal: Get a new job. Step 1:Fill out as many applications as possible this week. Best of luck to you!


CosmicLightning

I like the job I have. It does pay little though. Hence looking for a better one while I'm at this one. My main goal in life really isn't possible. Evolves fantasy and dreams and etc. -( My 2nd one is too ambitious and according to others, overwhelming. I really don't know why owning a mall with businesses you own plus other ones that comply to the malls rules would be hard. But I guess so. My 3rd goal is an invention I clearly could make but lack the funds. It would be sought out by everyone though fast. Even if it costed money, the rich would still buy it. Already got 10 people signed up for it. Problem is trying to get certain people to believe it will work, they might not bite. So loans and fundme's can't help me until I get a working prototype, which will roughly be 20k 4th: Just thought of actually getting a cdl license and start reading the book from front and back until my head explodes while at work. I did it to learn the multiplication chart from 1x1 to 12x12. Now I can calculate that faster than the calculator. I would like to do health but I can't stand blood from humans and poo and etc. Animals I can for some reason, but I get queasy and faint from large amount of blood from me or other people. I have took career tests. Architect to police work to fireman is the best fit for me. Thanks though. I appreciate your thoughts and opinions. Helps me realize I'm not alone in this world


devonatorr

There's a lot to break down here. First off, I bought a Honda Civic (2007) for $5,000 6 years ago and it runs beautifully still. Hasn't had any significant issues. You can definitely get a good car for $4,500. And I would highly recommend you do that and not take on any more debt. Your dad's idea of a secured credit card is a good one. Basically you give them a couple hundred whatever is decided on and they give you that much on credit. Use it to fill up your tank or go shopping and pay it off on time every month. Don't let a balance roll into the next month. This is how I started building my credit. Get a credit karma account and start looking into things you can do to improve your credit. They make it really easy to understand. Check with the credit bureaus and see if there's any debt you can have cleared. You can Google how to do this. It's very easy and I've helped a lot of people do it successfully. If one of your parents are financially responsible and have a credit card with a zero balance ask if it's okay to add your name on their account. They can keep the card so you don't have any access to actually using it but them having zero balance or paying it off regularly would help your credit score out significantly. Push AT&t to release you from the phone contract. That's ridiculous. Tell them you didn't understand the terms and you were misled by their employee. Then walk yourself over to a prepaid phone carrier (MetroPCS, virgin mobile, cricket wireless). Buy a phone ( better yet buy a used phone on eBay which has a 30 day return policy) and pay $40 a month for your plan. You're never hassled about upgrading and it's not an option to take on debt. When you have the money to handle crisis after crisis it definitely makes it way less stressful. So getting monthly expenses down should be priority. Feel free to pm me if you need further explanation or help with anything. I go over budgets and do credit breakdowns for fun.


CosmicLightning

Building credit is my idea. My dad's idea doesn't want me to use any credit cards. Sorry if that got lost in the post. Only thing my dad is doing is not really saying anything except helped me take care of the insurance and car damage. I do have credit karma. Absolutely love them. They even helped me with taxes one year. Best decision I ever made. They keep suggesting the secure credit card. I keep thinking that is what I am going to do. Try getting one, put some money on it. Than use it for a bill and pay it off every month. I just don't know exactly how. My aunt Joe suggested I find a small bank and ask to loan out 500. Then use that 500 to pay off the loan. Then repeat. New car is dad's idea. Problem is I live in Fargo ND, so it's really hard to find a dealership to willingly let me throw a 2k down payment and pay off every month. But I don't want to be locked into a car contract either. As it was settled without insurance, my Aunt was thinking I should see if they will continue to insure it after them coming out to check it out. If they will, should I get an estimate through a mechanic to see what is wrong or should I go get a new car. I mean when a semi with its trailer drags your parked car, I'm certain there is more damage than what meets the eye. I do appreciate the idea of contacting credit bureaus to help raise credit and see where to go from there, I will do that. Thank you. Thank you for replying


devonatorr

Ah I see. Well a secured credit card is very low risk. Very low limit that just shows basically that you can pay on time. Getting that alone improved my husband's credit score by at least 100 points in 8 months. Once your credit score is high you can take a temporary hit by closing out your accounts.


CosmicLightning

Don't know if you caught me, but I edited my response. Lol. I was trying to reply nicely. Learning this fancy phone is a bit different from what I am used to.


devonatorr

No worries, I'm a dipshit and just read the preview comment and didn't realize there was more.. lol It sounds like you're doing most things the right way. I'm not sure what advice your dad could give you. It seems like you just need some time for income to go up and pay down some debt.