Help Debts

Posts Tagged ‘full time’

Long story.
Like a lot of people I graduated college very naive but positive. I was laid off from a decent paying job and after that did temp work before deciding I wanted to work in the education field. Sadly, the charter school I worked for let all non full time employees go so now I am back to being on unemployment.
Each time I was laid off (the temp jobs didn’t last more than 6 months since those were temp only) I had to wait 4 weeks before I saw one penny of unemployment. I had little money in the bank so I did a very stupid thing, I used my credit card for rent, food, and sometimes gas (and one time a vet bill). I tried to go to a debt consultation place my credit card company referred me to and the girl told me that my problem was not budgeting it was lack of income. I told her I would work 70 hours if I could but it was hard to find work. She told me that a chapter 7 would be my best option to give me a "fresh start" and she told me I could look at repairing my credit after that and when I was working a steady job.
Any way, I am very depressed. The Unemployment Office told me that if I can get accepted into a program for my teaching certificate for a year and a half they will arrange for me to have my tuition waived and grant me an extension. It would be a year and a half of scrimping (I live with my boyfriend so he told me he can handle the rent while I am in school, the logic to him is that when I am teaching, I will have a better income and perhaps he can go to vo-tech while I work). I also plan to volunteer as a tutor if I do this, I always volunteered while on unemployment, it just felt wrong not to give back.
Sorry this was long, so I don’t know what to do, I have tried working with my credit card companies but they don’t want to budge on my min and one has gone to collections. I feel so depressed because my father always taught me to be good with my money but I wasn’t buying designer clothes, or anything luxury like. I was trying to keep a roof over my head and food on the table (which was peanut butter and pasta mostly I once even went 10 days without eating). I also worked hard so I could have a decent career and maybe own a home, and a decent car (all though taking the bus is good for the planet! ) not so I could file for bankruptcy and have to have my boyfriend make sure I am not homeless.
What else are my options? Has any one else had to file? Were you able to get your credit back? I have not told anyone in family and I wish I could talk to my boyfriend’s dad because he is an attorney but he made a remark the other day about how people ruin their credit about being irresponsible and filing. I also can’t tell my older sister, she was smart and became an engineer so she has always had a good paying job (which she did work her ass off to get) and even though she cares about me, I know she will be upset, and she is getting married soon and I am her maid of honor so I don’t her to think I can’t afford to be one.
What should I do? Please try to be too harsh, I am actually crying as I write this.

I am 24, very happily married with a son who will be 2 in november. We have a two bedroom no basement house that we pay very low rent for, it is not a large home. my husband works in siding full time and i work at the hospital full time. we do not make a large amount of money, and have over k in credit card debt. my mother watches our son for free so there are no daycare costs. we have kept a large sum of the clothes, bottles, toys, etc from when our son was an infant.

now, after the back story, here is my question;

i am dying to have another child. my husband and i only want a total of two children, and i want to get pregnant now with all my heart. whenever i see babies i want to cry because i want to have another so badly. our son is getting bigger now and would be on his way toward his third birthday before another baby would be born. he is potty training now and will be out of diapers by then.

i just need advice/opinions… should i press the issue with my husband and start trying? or just "see what happens" and not be as careful? or should i just shut up and deal with it until we are more financially ready and have a larger home? (which could take 5-10 more years)

help!

Student loans are intended to put towards not only tuition and books, but also other living expenses while you’re in school. I have very little credit and a couple 500-600 dollar debts I owe from my younger years. I would like to apply some of my loan towards that so I can work on my credit rating as I attend college full-time. I dont want to get in trouble either and risk losing future financial assistance… is that a possibility?

Ok, I will have a teaching certificate in November. I already have a bachelor’s degree in criminal justice. I am now 26 years old. I wanted to move to another state (Hawaii) since I was 16. Here are the scenarios I have when I graduate.

Stay home: Have a 2009 Honda Car paid for with 13,000 miles on it.
Be in ,000 debt for my teaching certificate (have to wait yet another 9 months until I
can find a job teaching full time- then must stay at home with parents until 10 months so
19 more months total
POSSIBLY move to HAWAII when I am 28 years old but have a car and be debt free

Move to Hawaii In January (2012): Have a total of ,000 when I arrive in Hawaii
Start substitute teaching in hawaii and serving tables (I will be
able to do both (I got confirmation from manager at restaurant and
it will be easy for me to get on the substitute list making 9/day.
I would do this until I found a job teaching full time.

So basically if I wait here and move when I am 28 or 29 then I will be debt free, have a car paid for and move there with minimal money to start off. It would also be harder to leave a nice job in a good community if I stay in Illinois.

If I move to Hawaii sooner, I won’t have a car but I will have ,000 which I could have my rent paid for the whole year and I will just try to save up for ,000 to get out of debt in one year!

Any advice? What would you do in my situation? I have two degrees. I think I am just nervous of failure?
When i say rent paid for I would be rooming with people and pay around 0/month. I found a couple places where I could do this.

Is there a way to make, influence, or encourage someone to be more responsible? That someone being your significant other?

My boyfriend of three years and I live together and his irresponsibleness and procrastination habbits are driving me crazy. He just lost my credit card for the second time this year. He is careless and often accidentally burns things with his ciggarettes. I’m the only one who is responsible and the stress is starting to eat away at me since we are in debt (partly because of him losing his job). I know it is said that you can’t change people, but come on! There’s got to be a way to make him more responsible. The man can’t even handle his own bank account.

Help!!!!
I usually do control the money. It’s not very often that he gets the credit card, but when he does he usually misplaces or completely loses it. It’s just so stressful having to be in control of the money all the time. I’m a full-time student and so is he, so its not like there’s a lot of money to control, which makes it all worse.

I’ve given thought to what I want to do with my life seriously for about a year now. Veterinarian was my number one choice, but I could not afford all the debt I would acquire, even with loans, I don’t want to get myself into that. My mom and sister are both nurses, and they make pretty good money working full time. I’ve never wanted to be a nurse, and yet that’s my declared major. My goal is to make enough money to spend all my free time with my horses (I am very big into horses) but I am not excited to be a nurse. So lately, I’ve been thinking about something with horses. Nothing in horses pays well, but I could get a degree in Equine Science, become a farrier, etc. I am hoping lots of little jobs will add up to something I can live with. In all honesty, what can someone DO with a degree in Equine Science?

I just don’t know what to do… tough it out in nursing or risk it with horses…
I’m sure I would learn to like nursing, but I’m just so undecided…

I am a father of a beautiful 14 m/o boy. In the last 9 months, the mother and I have exhausted all avenues to try to make things work. I’m currently working full-time, in school full time, and previously all my "spare" time was spent with the family. I gave up everything willingly in order to be the father myself and many late 20 y/o’s never had. I tried showing more attention to the mother, when that didn’t work, I tried to sit and talk with her and get her active in some sort of life again (i.e. when I was home, she could go out with friends, I gave her every penny she ever wanted for any sort of hobby or materialistic item she mentioned, like a dog, a garden, etc.etc.). When there was no change, and she still showed resentment towards me, we started seeing a councilor. After 2 months of that, she decided to leave me.

For the first two months after that, I was picking my son up at the exact time she wanted me to, 9am on Monday, and returning him to her Wednesday at 5pm. Regardless of the time constraints that placed me into, I was happy to see my smiling son. Even when she wanted to see my son while I was at school, I would drive the 25 minutes to the babysitter, pick him up, take him to her, return to class, then pick him up after wards. I never missed a time frame.

I also gave her almost everything she ever asked for. Baby’s bedroom set, the car seat, the brand new vehicle so she had safe transportation, money for food, money for shopping, money for gas. I did everything to appease her, and I guess it still wasn’t enough.

When I asked her to put in writing the days that I get him, just so I could rest at ease, she refused. She then started becoming inconsistent and very demanding. I still gave in and gave her what she wanted, under the false pretense that she really had very little to work with, and wanted my son to have all the opportunities I could provide, even if it put me behind a week in bills.

When I went to talk to a lawyer (female, specializes in paternal cases and divorce issues), to draw up a legal document of my time with Chaz, declaring my paternal rights in the eyes of the court (my name is on the birth certificate, but that means absolutely nothing unless the court recognizes it or the mother wants to declare child support), and setting an agreed upon child support, she started not letting me see my son, sending horrible text messages, and come to find out she’s now declaring sole physical/legal custody with graduated visitation and wants me to pay for her lawyer. I’m flabbergasted at this.

Every day I send my ex a text message (as she won’t answer the phone) asking her to tell my son I love him and miss him. I also ask when I will see him again. She refuses to answer me. I have no idea where he’s staying, if/where a daycare is at, or if he’s even healthy. I’m terrified of what she’s doing to him (via not allowing me to see him). My lawyer is aggressive and doing what she can, but being that I’m already to my eyeballs in debt from helping my ex out, I wanted to see if anyone could offer free advice here. Any idea what a father’s rights are to a child when custody issues are beginning? I know that if she doesn’t allow me to see him, that she’s building a case that I’m incapable of parenting him, but I feel like a shotgun blast has gone through my chest and I’m lost without my baby boy. (Who would’ve thought that three years ago knowing the immaturity of myself?)

Any ideas on what to set my lawyer on? Any guidelines or websites you can direct me to to do some more research? I hate that every e-mail or phone call I give the lawyer is 1/2 hour of her rate, so hopefully y’all can help out a bit. Thank you in advance.

Scared Daddy