• You get that crappy job and live within your means and scrimp and save to pay off the debt. If "all of it goes to living expenses" (and I understand that situation, believe you me), then you NEED to reduce your living expenses. *** Want some ideas? *** Get a cheaper living situation, even if you have to sub-let a room in someone's house or apartment. *** Potatoes and onions are very, very cheap. Carrots and rice and beans and popcorn are also very cheap. You can live off of just those few food items indefinitely. If you have enough money, you can splurge on things like a pack of cheap hot dogs each week (I think they still run < $1.50 per pack).
  • its best to cut ya credit cards up { after ya pay them off } ...times are real tough and will get worse .. a good place to save is ya phone.. in Australia we get the cheap as cheap plan and only use it for emergencies..... $60 for 6 months.....anyone can call or text you , and with that you get $30 worth phone calls out and a certain amount of texts ..2 mgs internet ..take cut lunches also ..maybe get a 2nd job{ few extra hours} cut out all take aways ..maybe one a month ,or if you have a family, have a nice home made picnic with a few little treats, much more enjoyable anyways
  • do you intend on buying a house? If no don't worry about it. Never borrow money for a car .
      That's good advice...but also a little short-sighted. Imagine a person who absolutely NEEDS a car to get to and from their job, or to perform their job. Their car breaks down and it's too expensive to fix. They REALLY NEED a car, not just want one. for the convenience They can't afford even a used car that is remotely reliable transportation. They are forced to finance a used car that *is* reliable transportation. are absolutely right in the idea that you should never borrow money to buy a car if you don't absolutely have to do so. For a person on a budget, ALWAYS buy a used car with money you have saved, unless you have NO other choice.
    • Easygoing98
      Nowadays used cars are more expensive than new. I was able to get new car but at an astronomical rate of $750 a month with 35 percent interest
    • 11stevo73
      if you're repaying $9k a year @35% interest how long until you pay the loan out? how much will you end up paying?
    • 11stevo73
      every bum I know with a crap job that brought a new car lost it. They couldn't keep up the payments and the repoman showed up.
  • Improving your credit score when you don't have a good paying job can be challenging, but it is still possible. Here are some steps you can take to start improving your credit: start now and get free $1000 credit line now Check your credit report: Get a copy of your credit report and check it for errors or inaccuracies. You can get a free copy of your credit report once a year from each of the three major credit bureaus. Pay bills on time: Make sure you pay all your bills on time, including rent, utilities, and credit card bills. Late payments can have a negative impact on your credit score. Keep your credit utilization low: Try to keep your credit card balances low and avoid using more than 30% of your available credit. High credit card balances can hurt your credit score. Consider a secured credit card: If you can't qualify for a traditional credit card, consider getting a secured credit card. With a secured credit card, you make a deposit that serves as your credit limit. Look for ways to increase your income: Consider getting a part-time job or finding ways to earn extra income. This can help you pay off debt and improve your credit score over time.😊😊😊😊 Remember that improving your credit score takes time and effort, but it is worth it in the long run. Even small improvements can lead to better financial opportunities and a more secure financial future.

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