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thisistwilighttime | How do I get out of debt and change my life? |
already have $2835.91 in CC debt.
The other day I bought a Treadmill Online for $779.98. I used the bill me now option, so I have 3 months to pay that off.. I have about $1000.00 in my savings account. So it'll come out of that..
I know you are probably thinking I'm stupid for buying the treadmill, but I'm 5'8 and 260 lbs.. I feel like I can't afford not to buy it.. I have to lose this weight, it's prohibiting me from applying to new job and such.. I don't want to buy fat clothes for interviews and such. Also, I haven't dated since 05'..
When I'm done losing weight, I will sell the treadmill.
I really need advice, I want to move out of my parents house next summer..
I feel hopeless.. How can I make fast money to get this debt taken care of, plus have money to save for my future?
I'm 26, I'm tired of being a loser.
I need advice bad, thanks in advance!
PS: I work 2 jobs.. One 32 hrs a week making $9.35, and the 2nd 20 hrs a week making $7.00.
I went to school for computer programming, have an associates, but got half way thru and realized I hated it, but finished it anyway.
Additional Details
For the people telling me to walk outside, because its free..
It's almost winter, and I work 2 jobs.. When would I have time? |
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Ryan Uybengkee
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Hey there.
i feel like i can help you with this as both concerns you have in your life is right up my alley since i am a banker( loans asst manager), and im also a health conscious person.
Just like you were, i was totally in debt..and just you like you, i was fat for my height.
BUT, let this challenge you and not pull you down. First of all, never ever ever tell yourself that you're a loser.
here's my advice for you (since i did these to free myself up):
1) CUT ALL YOUR CARDS. yes. never look at credit cards as ready money, but look at it as as an advancement to your future money, which you will have to pay interest. IF you want to free yourself from debt, free yourself from anything that will suck the funds right out of your pay. One culprit is credit.
Change your mindset: Credit is not available cash, but it is viewed as a liability.
2) If you have to lose weight, the treadmill isn't the answer. YES, you heard me right. Remember, it is a CHANGE IN LIFESTYLE THAT YOU WILL HAVE A SUCCESSFUL OUTLOOK, and not the things that happen outside of you.
Which brings me to my point: healthwise, you should change your food intake.
eat right, and do not diet. eat veggies. YEs, eat all you want. You wont go fat. Drink lots of water. this will subsitute for that fullness you crave against sodas or anything man-made sweeteners.
Let me tell you, you will lose weight faster if you changed your food intake and beverage preference, rather than pushing yourself 2 hours on a treadmill.
TRUST ME...80% of your losing weight is not done on the treadmill or gym, but what you do when youre out of it...which is your lifestyle: the way you eat, what you eat, what you do, and how you look at life.
3) SELL your treadmill! YES, that will only be a liability. treadmill will cost you electricity, which will be more of a cost. Treadmill will also bore you to death when you run your laps.
TRUST ME. get rid of your treadmill, and start running outdoors. This will be cheaper in the long run.Why? coz you only have to invest in good shoes, and you can run all you want.
run outdoors. ITS good. the more you go outdoors, the more you will help your body lose weight faster. WHY>? here are the reasons:
1) your body will absorb lots and lots of natural air and oxygen. THE more oxygenated the body is, the more your body will be alkaline and cancer free. THe more oxygen you have, the more you will burn...and the more you will burn,. the more you will lose excess weight.
2) running outdoors will also help you achieve a forced finish. treadmills will allow you to rest in between if you want to...but running outdoors, you will have to finish the course. IF you cant, you still have to walk.
3) treadmills arent too good when it comes to relaxing. YOu will either watch tv and hear lots of sad stories, while running outdoors will free your mind and will make you relaxed due to the greens, blues, and air,,,not to mention the people you will meet.
SO, listen to this advice regarding your finance also:
1) total everything you will earn in a week.
2) once you do that, compute your overheads( food allowance, transportation, clothing, and utilities). ONce you do that, the rest will be your savings or disposable income.
3) once you can compute for what's left (or if there is anything left anyway), live on that ONLY!!!!!!!!!!!!!!!!!!!!!!! do not purchase anything more than what you can earn. THAT is the pitfall of your income.
4) as much as possible, live simple. do not go lavish. just buy what you need.
and lastly,
5) remember, success is not what people see what you have (Car, house, money, a nice body)...but SUCCESS IS LIVING LIFE HAPPY AND PEACEFUL.. Invest in things not seen (like being happy, being peaceful, having friends, being content, and loving people). YOu will see that gaining material success is VERY Temporary, but when you have had a lifestyle change, i tell you...even if the world economy is now on a downturn, NO ONE WILL BE ABLE TO TAKE AWAY THAT JOY AND PEACE THAT YOU HAVE INSIDE.
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Hi.
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Find a rich man to marry. |
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Marishka
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Dude! We should hang out & go for walks/runs together... I'm fatter than you, lol (5'10 and somewhere over 300 lbs) , which would make YOU feel better, AND I'm in debt deeper than you (Student Loans) and I don't even HAVE a job... which should also cheer you up! lol... All people like us need are a couple of friends who don't treat us like crap. :D |
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If i knew would i bother to ask?
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you need some friends who appreciate you and need to work on your self- esteem really hard.
why don't you just to to the park every afternoon and run walk and make friends
John are you single?
just kidding!
now going back to the real problem, don't get all worked out about it you have enough in savings o pay for the treadmill only thing is you won't get much for it later.
good luck! |
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Paula M
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It's probably too late.....but I see exercise machines that actually work at garage sales all the time.......if you can cancel the order...do it...
Here's why.... if you can commit to walking one mile a day for 21 days....then you need a treadmill....otherwise...it will become a clothing hanger...
Since you work two jobs.....lose the cable/lower your cell phone package/get rid of land line phone/
Stop buying anything on credit or 90 days same as cash....c'mon you have a $1K saved up....you will end up wishing you had that for Christmas.....
You should spend that on a personal trainer.....for $400 bucks you could have one come to your home twice a week and change your religion not to mention your lifestyle.....
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Leroy
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wow, hmm, darn, i feel bad now. i make about $26 an hour as a biochemist and even I think that is a pretty low wage. but , i hope you the best. i use to be in debt. but what i did was i cut up all my credit cards, closed all thoes accounts and started making small but steady payments to pay them all off. i paid off the ones with the higher interest rates. best of luck with your finances, you seem like a really good person and hard worker, wow, 2 jobs, that must be tough |
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Judy1
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You get out of debt by paying off what you owe. Not buying anything else on credit until you get the current amount paid off will help.
And think about your reason why you "needed" a $780 treadmill. Walking outside every day would have the same effect, and that's free. |
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evea
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Hey.
Ok ill start off with the treadmill. I think it is probably one of the best investments you have made in a while. An investment in your health is very important and it seems like improving your physical health would have an effect on you mental and financial health as well.
Anyway you have to look on the bright-side. You are only 26 years old which is still very young and you have less than 3k in CC debt so you are not in the worst possible position, and there is hope!
What you really need to do is save your money and make all the cutbacks you can to get this debt to go away, Dont go out to eat, drive only when you need to and only buy necessities. When you get your credit card bill make sure you are always paying MORE than the minimum because if you dont you are only paying the interest and a small portion of the premium, which will keep your debt there for a long time. If you do get this debt payed off you will cause your FICO score to go up and then you may even be able to buy a house.
Also, are you using your degree to the best of your ability because im sure you can get a higher paying job with a 401(k) plan and other benefits. That way you will know you are secure in the future.
Good Luck! |
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PretzelMom
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Look for other jobs in the computer/tech industry that interest you more. Your best bet at getting a full time job with a living wage is to use your degree. Then, just don't buy things you don't need. Evaluate every single thing you buy, whether it be a cup of coffee, pack of gum, shoes, lipstick...whatever it is, ask yourself "do I really need this?" And the answer should usually be "NO!". Also, don't spend money at a restaurant for 1 month. Make all your meals at home and watch your savings grow! For your groceries, use coupons and shop at a grocery store that "doubles coupons". Try to walk instead of driving as much as possible. You'll burn calories and save gas.
Open up a high yield savings account from somewhere like Emigrant Direct. It yields about 5% interest! The account is free and you can transfer your funds in and out of your checking account daily, but the interest you'll earn is the easiest money you'll ever make.
When you do get an apartment of your own, don't buy anything new to furnish it. You can get everything you need on craigslist and yahoo freecycle for 75-100% less than you'd spend in a store. Start using those websites now, too! You can surely find nice plus size clothing for job interviews and maybe even a used treadmill for MUCH less if you really think you need that treadmill. But return or sell yours! $779 is way too much to spend on exercise equipment unless you're an athlete. |
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Michael L
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Okay... two things... the week you stop using that treadmill you need to sell it. Think of it as an investment in your life. You paid for school, and that was a bad invesment... time to start making good investments.
Second... stop using your credit cards. Your debt isn't too bad, so don't let it get worse.
I appreciate the fact that you are depressed, use this as a turning point in your life.
Budget.... write down every penny you spend in a journal.. be honest with yourself. After 30 days analyze what you spend money on. Do you eat out at fast food restaurants. You can eat, cheaper and more healthy by brown bagging it. Make a fresh salad at home, bring it to work. Learn to enjoy the taste of it.. or you will resent it. Skip the Starbucks, You can find lots of money in unecessary spending if you try.
Credit cards... write down the amounts from the cards in order of interest rate. Highest rate first. Pay the minimums on the lower rate cards and as much as you can on the higher rate card. It has to be more than the minimum. Once that higher rate card is paid off.. roll the amount you were paying on that card on the to the card with the next highest interest rate.
I know living with your folks isn't the life you're looking for... but until your stable with a better income.. use the opportunity to save as much as possible.
Self esteem... Before anyone can hire you, or like you, you have to like yourself. You could be thin but if you're not happy it will show. Confidence wins out, in life and in relationships.
Good luck
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joncleator
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I have lived on my own since I was 19 paying my own way through school and waiting tables.
It is not easy but for the next two years live like a pauper and put back some money. I did that and now since my car is paid for, I can live on less than most. Its tough but the lack of stress is totally worth it |
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Melissa
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Sounds like with 2 jobs you might not be motivated enough to want to come home after work and run, I know I wouldnt. I think you should try maybe canceling the order asap, and purchasing a gym membership instead. If you are self concious about working out in front of other people find a gym that is open at all hours so you can go when there is usually no one there. There are other things you can be doing to lose weight besides spending 779.98. In fact exsercise is free. Try running outside if the weather allows it, if its cold, bundle up. If where you live is a bad area to run, go to a park or something (in the daylight only). As far as your credit card bills, find a company that can help you get low interest and give you a monthly payment to eliminate it. Try to save more, put a specific amount away each month or out of each check. You can do it! Just use the free resources around you and save save save! |
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OH MY GOD! ITS KRISTY
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first of all..return that tredmill. get on a healthier diet and eat 6 small meals a day. and dont eat passed 7. the sidewalks and roads are tredmills, free tredmills...lol. now, after you return the tredmill, add more money to your savings, get on payment programs to pay off your debt and then once you fix your credit, apply for a loan and buy a house! there are also dating sites for men who like big woman. im 5'6 and 220 lbs.after having a baby 15 months ago. i was about 180 when i met my hubby. i danced alot and gained muscle and theni looked lean. so dancing hard and not caring about the burn helped. go to a club to lose wight, not for a date. no distractions. then the right guy will come along:) and the right guys they like independent woman with all their sh together. good luck! |
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Adam F
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walking is a VERY slow way to lose weight, especially if that is the only change you make. pay close attention to what you eat: avoid processed sugars (candy), avoid animal fats (beef, bacon, etc), eat more vegetables, NO fried food.
walk to work, unless it's more than three miles each way. i live in eastern north dakota, temperatures get below zero fahrenheit, i work two jobs, and i walk to work (it's healthier and cheaper than driving). don't try whining about weather and not having enough time.
tackling your finance problem...
i answered another question similar to yours on this topic, so i'll just paste the same answer here.
building wealth isn't just about how much money you earn, it's about how little you spend (specifically, waste): no smoking, no liquor, no pets, no tattoos, (preferably) no car, no restaurants, make your own food instead of buying processed, fluorescent lights instead of incandescent, no cable, no attending movie theaters, shop at thrift stores, etc.
i have plenty of friends that are very wealthy (worth 10 million or more), most of them drive mid-90s mid-priced sedans, don't have tattoos or pets, and don't smoke. the most frugal also shop at thrift stores (no joke) and drive cars that are in worse shape than you would expect from a food-service worker, let alone a millionaire.
work two jobs (make sure that you are making the most that you can from each), get direct deposit (the less you see your money, the less you'll spend it), start investing in a stable mutual fund (pioneer fund -PIODX- is my choice), buy quality things (cars, electronics, etc) instead of crap that needs repair regularly, etc. pawn shops are your friends: sometimes buying the cheapest things several times can save you money instead of buying it once (specifically, things that you're likely to lose or break - sunglasses, hand-tools). contrary to what you're probably expecting, invest in something to keep you from wasting money outside the home, netflix and video game systems (especially if you buy used games) are good choices.
learn to control your desires, wait a couple of days before making a big purchase to determine if it's something you really need (do you really need a big-screen, lcd television?). get a credit card that offers cash-back bonuses and pay the balance every month (this will help you build credit AND save you money).
there are so many things you can do to save money that i'm going to stop typing them now, i could probably go on for another hour or two and still not impart everything that i do. ultimately, the secret is to not spend more than is necessary. |
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iamthejan
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Oh Girl, you HAVE to take Dave Ramsey's course- Financial Peace University! It's awesome & has changed so many lives. He's one of my heroes & really cares about helping people. The classes are offered at a lot of churches these days, but you can get some of his books from the library or buy his cds on ebay. (It really helps to take the class though)
As for the treadmill, if there's any possible way at all- RETURN IT NOW!! Treadmills are a dime a dozen on sites like Craigslist.com (so get one there if you really want to try it). I have a great one I'm about to sell for $150! People buy them but nobody uses them because they are BORING. Find something fun to do. Get a bicycle (ok, for the summer), take aerobic or yoga classes at the park or the Y. Always park at the back of the lot & always take the stairs! Don't waste your money on something like a home gym. You need other people to workout with & help motivate you. I know time is short, but you've got to be happy with small changes over a long haul. Every little bit is one bit closer!
Good luck Girl! Don't worry, you've got a long life ahead of you. You'll do fine. Just know that and you'll achieve it :) |
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kakashihatake2510
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Start a business or invest in stocks. Perhaps these magazines i suggest will help you. |
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