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 What do you do if you owe several thousands of dollars in student loans and can't find a good job?
I am an older adult and only work part time. I don't know how I am going to pay about such a large amount of almost 50 grand....


 should i keep the money or not?
ok i just started college got a grant which paid for most of it but i had to take out a loan which the smallest loan they had was $9,500.00 and all i needed was an extra $3000.00 so i have 6500 left ...


 About withdrawing from a ROTH IRA?
I have a ROTH IRA in Share Builder. I have a ARDVX mutual fund in there and it's down 2.18%. I am 26 and opened the ROTH IRA a couple months ago. If I withdraw my $616.61 from my ROTH IRA, ...


 my paypal account is closed to final!!!!!help!!?
so i was doing this little business in paypal, i was selling UGG boots, Nike shoes
and then paypal limited my account, i call them many times, they tell me various answer
something like my ...


 what kind of mathematical skills are needed for personal finance?
i'm working on my maths project and i need to know what kind of mathematical skills are needed for personal finance....


 Where can I cash in coins?
I know you can do it at a CoinStar machine, but there's a charge. I'm only 14, so I don't have a bank account, but would they do it anyways?...


 Can a Toyota Camry last you 10 to 20 years?
if you take care of it, can it last you 10 to 20 years? my goal is to buy a Toyota Camry model, take care of it and make it last until it drops dead. I want to get a good car that will last me for a ...


 Ways to make a little bit of money online?
i am chronically ill right now, so i cant work. any ideas on how to make a little money online? im good at writing....


 why is it gd idea to save some of your money?
...


 Would a tax credit for mortgage payments be more effective than subsidizing the lenders?
I was wondering if giving a credit for mortgage payments be more effective in rescuing the economy than subsidizing the financial institutions. This would possibly prevent foreclosures for people at ...


 Can I cash my check today thats dated for tomorrow?
know what I mean? They passed out the check today but the check stubs have tomorrows date. is it still cool to cash it or should I wait?...


 Could I be approved for a loan?
I really need the money, as soon as I can. But I am afraid I wont be eligible for a loan.

I am 20 years old, had my current job for not yet 3 months. Only make about 600 dollars a month ...


 Assuming your daily expenses (food, hydro, etc) are all paid out, how much money would you save in your bank?
and how much money would you invest? (you have around 4-7 millions in cash)
Additional Details
no loans or ...


 How to make some summer money?
I'm 13, so I'm too young to get a job. I'm going to baby-sit every Saturday at this nursury starting early June, but they pay really badly! I just really would like some extra money ...


 roth IRA , deciding what best option to put the money into?
I plan to start a Roth IRA account and have been reading education resources about it but I'm still confused about whats right to invest in for options ? Starting out with very little money and ...


 If you had a year off and enough money,what would you do?
...


 What Will A Bank Reference Include?
I applying for a flat through housing association. A bank reference is needed before I move into my new place. I have never been in debt through the bank and I spend my money quite wisely. I do have ...


 How much money I can cash out of my bank account in one day?
I'm about to buy a car. I have money in my bank account, but I have to pay in cash. What amount they could cash out max? I probably need up to £5000 and just wonder if they are going to give it ...


 Should you not have kids if you want to retire comfortably?
...


 what is the formula for adding 20%payment on your net to find your gross payment?

Additional Details
if you add 20% to your net income it does not necessarily bring you to the correct gross ...



Jan
What help is there for people who work hard?
My husband and I both work our bums off, but we are still at the bottom of the ladder. I have a pretty good job, but am only guaranteed 32 hours a week, but I volunteer for as many extra shifts that I can. As a contract worker, I do not get benefits. My husband works "full time" but they have started cutting his hours because the work is slow, and he doesn't get benefits for another six months - he only just started working here, after being downsized from his last job. We are in low-income housing, and before both of us found employment, we lived off credit cards so are in debt. Since I am a caregiver, I get meals when I work, but my husband eats at home. We can afford maybe a couple of loaves of bread a month, and he's been eating peanut butter and jelly every day for the last few weeks. We just ran out of the PJ and J...so he's been eating bread. I can't bring food home from work, so we started talking about getting food stamps. The problem is, I think we're above the cut-off, even though we don't have a penny to show for it. We are careful with our money, and everything we buy is second hand from goodwill or craigslist. Anyhow, we are working on paying off our debt, much of which my husband had before I met him. We're down to about 9.500, and that's after putting me though school. We think we're doing pretty okay, but it gets fustrating sometimes. We both work hard, we've never asked for assistance before. I went to the doctor a few weeks ago for the first time in about six years because I've been having...lady problems... and that cost us hundreds out of pocket, so we're not doing that again. We both need our eyes checked, we need dental check ups, and my husband needs some real food. I bought my car second hand, and the person we bought it from let us make payments, because my job is about 15 miles away and the busses don't go out into that town. Anyhow, that's about to die, and we can't afford to have it fixed.

I feel like unless I have twenty kids and I sit on my rear all day long there's no hope for us. And it feels like we'll never "make it" if we continue working. We are still broke a few days after each paycheck because of bills, even with two incomes.

There's no way out it seems, so I really need to know what can we do? We've cut out every expense we can think of - we always have the lights off, we never turn on the AC when it's hot, or the heat when it's cold. No cable, no cell phones, etc.

I'm not trying to complain, I'm just feeling a little depressed.
Additional Details
This winter the average temperature in our house was 38 degrees. It hasn't gotten hot enough for fans yet, but over the winter, we covered up in blankets and kept ourselves busy. Heat costs a lot, and honestly, you get used to it after a while. Sadly, our pet finches died it was so cold.
                     
 




My Take on It
Rating
Realize that there are people out there that are worse off than you. Imagine your story but a single mom with kids trying to make it? That was me after a divorce. But, I didn't have low income housing, food stamps or any other help.

What it sounds like you need to do it increase your income. And, since you are only working 32 hours a week, sounds like you have some time on your hands to find some part time work.

I also have a hard time believing you don't turn on AC or heat. LOL You must live in AZ or some other area that doesn't have extreme temperature changes.

Just know you are not the only one. There are a ton of people in your shoes who are having to cut out anything and everything, even the basics at times.


pearlmar
Rating
A good life. We both worked hard, now we're retired and enjoying it. And we never asked for or received any government assistance. We scrimped and saved. We never bought anything we couldn't afford to pay cash for so we never had credit card debt. Do without if you can't afford it. That's what does it.


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