Help Debts

Posts Tagged ‘full time’

Two year I graduated from college with a BS in Marketing Communications. After graduated I realized I wanted to pursue become a NY Police Officer. I took the exam and passed and was at the gym every free moment I had. I signed on with a temporary job placement company.to make some money. In October of 2009 I decided I wanted to join the Air Force Guard and then work for NYPD. I have always wanted to join the Air Force bc I come from an Air Force family. I thought the guard would give me the training I needed and a way to make more money. I got all the paperwork filled out and in April two days after I got the phonecall that I was all set to get sworn in I found out I was pregnant. My boyfriend didn’t support me and told me if I was going to keep this pregnancy than I would have to do it alone but to let him know when its born because he will be a father just not a boyfriend to me because he doesn’t want a child right now. Aiden James was born December 16,2009. It was truly an amazing day. He is 8 months old now and I am struggling with just be a college grad that does nothing. I work part time at a retail store that I worked at throughout college. I cannot seem to get full time no matter how many times I apply. I just got a substitute teaching job for elementary students in my town. I am looking forward to that, but its not anything I can make into a career. I need a goal or to patch up that hole that I left behind. I love being Aiden’s mom, but I want to show him that we can have a life for ourselves and I do something with my life other than work at a retail store. I dont have any money left for a masters degree. I am in debt for life. I also dont know if I can afford going back to school right now and not make any money. Is there any one with any ideas that would be willing to guide me onto the next step. It would be greatly appreciated it because I am starting to have a very low opinion of myself.

Hi. I’m 28, male, a happy person, but lately I’m just completely lost in my life. I moved to NYC about a yr ago, and I love this city, dont have that many friends but I still have a few and have had a good time here. I am very unhappy with my job, I am a graphic designer and I work with a huge corporation making big corporate brand packaging. Most designers would probably love this job, but Im not that type of person(Im more laid back hippie type that likes art, not corporate sell out i guess you could say) This job keeps me up at night stressed about the work, I feel I have aged 5 yrs in the last year because of it, and because of the enourmous rent I was paying this last year 2650 a month! Things kind of fell apart this last year, or rather didnt happen the way I had planned. I originally moved to NY with my ex gf and a friend, and only ended up in that 2650 a month apt because I was trying to help my ex gf. She was going to school near it. Boy was that a mistake, she ended up leaving NYC along with my friend and they basically ditched me with a huge mess of rent and stress. So the job I had taken on a short term basis ended up becomming a full time thing because I needed the money. I feel blessed to have a job at all, but lately Ive felt like Im just getting by and not actually living my life. There is so much I want to do, take pictures, travel, meet new people and play an instrument, but lately Ive just been so trapped in my head thinking about work stuff, how broke i am and how Im in terrible debt even though I work all the time, and about my ex gf drama. I feel lonely sometimes, but more then that I just feel lost. Sometimes I think it be better to just get a non thinking job like bartending or something so I can allow my brain to free up and focus on y fine art photography and stuff? I dunno, Im so confused these days, maybe I should just move out of NYC, and move somewhere cheaper? I dunno either, Im 28 and sick of moving so much, and would like to settle down in a city and actually make a group of friends. I am havign a bad day….
Thanks for your advice

What do you do? No insurance, and not a lot of income?
Number two makes sense. I would love a job with that kind of benifits. Many jobs do not want to hire full time, and many jobs won’t touch me because of a record.
I never have had credit card debt. I have student loans I will always be paying on, but I’m still in college, and I’ve chosen to go to college. And I will always pay on it a little.

I got my B.Sc in Microbiology 10 years ago in middle east, for one year I studied English, became a private tutor for 2 students teaching them English once a week for one hour "don’t ask me how, they were really basic", and did a couple of translating jobs part time. A year later I passed the TOEFL and went to Europe and finished my Masters 7 years ago. My English still wasn’t good enough so I worked for 3 days as a waitress in a restaurant, worked for 2 months 5 days a week in a retail shop as a retail assistant and then went back home to middle east for 9 months. Came back to Europe, started a PhD in Molecular biology for 6 months, then couldn’t afford to pay for it anymore, and became a part time telesales person, for 6 months and after than I did telesales for 2 years full time because that was the only job I could find. Then I worked a bank for 6 months as a full time debt collector. Again another telesales job for 2 months. Then I volunteered for a pharmaceutical company to do telesales for them free, but they offered me a minimum wage 9 pounds an hour, worked there for 4 months, then the company was dissolved and I was back to do telesales for another month and that’s when I married and got pregnant and stopped working all together. When my baby was 1.5 years old, we came to US and I got a scholarship to do my PhD here, I studied for one year, I was pretty good at it, but my professor had a serious health problem and resigned so I ended up in total confusion again. It’s been almost 9 months since I left the university and I am in serious need of making a career decision and stick to it. I don’t have work experience in US, and I don’t know where to start? I don’t know if I should go back and start a PhD at another university all together and hopefully this time, I get it,,,,, or I should forget about molecular biology and build a career in another field. Regarding sales, I don’t really want to go back to sales, because it’s very stressful but I don’t have any other experience.

Please give me some advice, I am thinking what to do day and night, I got depressed, I am sleepless, confused and need some help. And I need to make money, my husband isn’t making enough money at all, and we are basically on unemployment benefits. He helps out his friends and they kind of give him something but it isn’t anything major. I am worried about my baby who is now 4 and I don’t have any solid work experience to rely on and don’t know where to start.

Thank you

My mom and I bought a house together (both of our names on the house) in May 2007. First payment was July 2007. I am the only one who has been paying for the mortgage ever since, and all the household expenses. So far I paid ,100.00 for mortgage, escrow and interest! That’s right, twenty-eight thousand dollars! All my own money.

I get angry from time to time and get into argument with her for not helping with expenses. It feels like I’m carrying the house on my back and she’s sitting on the house! I confronted her that she cannot live here for free anymore! She has to start paying for something! (note that 6 mos ago I demanded her to take care of electric bills and she does that) So recently the last few days there was a really bad tension. I told her to start paying 1/3 of all household expenses (that’s mortgage, electricity, water, phone and home warranty) starting in October 1st. She was not happy and claimed that it is unfair!

Unfair!? Is it unfair? I need your help! What do you think I should do?? How do I figure this all out?? I’m getting out of this house (I will sell it next year) and not have to put up with her taking advantage of me. I’m struggling with high credit card debt and supporting my 2 boys on my own. I receive SSD for my both boys and myself. That’s not much, around 00 a month. I do get child support weekly but I will not count that as income. I don’t work because I’m going to school full time and am hoping to get a job after I graduate in May (out of Florida).

I hope to hear from you guys with answers! I need to type up an agreement for me and my mom to sign that from October 1st and on, this is how much we would pay for our expenses,..fairly!

Another thing: I count my boys and myself as 3 in a household (head of house). My mom count herself as 1 in a household (single). That’s how we do it on our tax return, regardless that we (4 of us) live together in 3 bedroom 2 bath house. I think 1/3 of household expense is fair enough for her to pay because I consider my 2 boys together as 1 adult, so there’s 3 of us, split 1/3 each. What do you think?

Any advice would be so much appreciated! Thank you!!
~Carm

Hi… Needing a little advice from experienced people with roommates.

I live with my sister, and she is paying back her debt of almost 3 thousands dollars to me until I can find a job by letting me get off with paying my share of the bills free. She is just about paid off, and i still can’t find a job, but that doesn’t mean I’m not busy looking, and going to school full time. Plus I do all the house cleaning. Yesterday her friends that are a couple together asked to move in the house, and agreed to only pay her a hundred dollars a month plus their own food. I of course didn’t feel like I had a say in the matter, but I feel she is going to get ripped off. The only reason they asked to move in is because they were living with his parents and they make them pay 300 a month and either of them have a job.

My sister doesn’t have a job either, and she told me today that I will probably be the only one working and going to school, so if I come home and are all laying around and the house is a mess then I don’t have a right to say anything because I’m not paying my share yet. Understood, but I’ll be the one cleaning too! What would you say to this, or do? I mean I really don’t have a choice in the matter, but I still feel p* ssed that I have to live with three complete bums!

I am a 23 year old woman who works and goes to school full time pursuing a finance major. I am also the head of my household since I take care of my unemployed mother and full time college student brother. My mom has been looking for a job for a year alreday but her difficulty to speak english seems to stop her to get any kind of job (even as a housekeeper), my brother is a freshman, he goes and lives at JHU so he pretty much cannot to work right now. I have been trying to keep a balance in my life but I this point and frustrated and desperate. I am not only tired but very discourage about the future. In spite of working hard and trying to keep up with my bills, my life, I have been having episodes where I get dizzy, weak, sometimes get this weird headaches and feel that I am going to faint sometimes and I just cry. I know it sounds like a lot but not only until the last 2-3 months I have been feeling like this, I guess it is because I am so in debt now and have been paying for stuff such with my credit cards even books and school tuition(partially). I have a very supportive boyfriend who has been helping me through this, giving me courage to keep going forward, but I do not want to keep bothering him with my problems, I mean I know he has his own worries. SO IF ANYBODY COULD POSSIBLY GIVE ME ANY TYPE OF ADVICE, FINANCIAL, EMOTIONAL, HEALTH, ANY ANY ADVICE OF HOW CAN I COPE WITH THIS SITUATION AND MAKE THE BEST OUT OF IT PLEASE FEEL FREE TO DROP A LINE…EVEN A WORD OF COURAGE WILL HELP
In this crisis we should all help each other

My husband and I live with his dad rent free. In the basement. We don’t want to live there anymore but we can’t afford to move out. I have ,000 in student loan debt. I have been paying on it for 4 years. I also have a 00 car loan and a credit card with 00 on it. My husband has a 00 car loan and that’s it. I work full time (10 hours/day) and my husband works two part time jobs (9 hours/day). With the amount of bills we have, we can’t afford to move out of his dad’s house. We’ve calculated how long it will take us to pay off all our debt and it’s something around 7 years. Well, we definitely want to move on with our life but we don’t know how to. What do we do?

I’m 22 and my husband is 24. He joined the Army and was going to get a ,000 sign on bonus but he was medically discharged and can’t re-enter the Army. So that option is gone.

I make /hour and my husband makes /hour at each job

Please, someone give us some advice!

I’m in California. I’ve had no real training or advice on student financial aid and right now I am 21 and approaching my 2nd year in college. I initially filled out a FASA several years ago but I remember it not helping me out much. I think I was offered a few loans but no grants. I don’t want loans because I don’t want to be in debt. While I believe that school is important, I don’t believe it’s important enough to go into debt over.

So luckily, with my work’s tuition reimbursement program, I was able to attend school this past year because I can actually afford it since I do live at home for free, plus they will give me half of what I pay back as long as I pass my classes each semester. However, the cap is at ,000 and with rising Cal State costs, it’s becoming less effective. My parents cannot afford to pay for my college.

So the deal is, I am 21 years old, I do not pay rent but I do pay my phone bill, car payment, as well as other smaller bills. But I am looking into moving out within the next year so obviously I need to know if I can afford it. If I were to fill out the FAFSA, could I get any grants? I work full-time for .75-.75/hour and pay all California/U.S. taxes.

I just hear many co-workers and friends say "I don’t pay for school" so I was wondering about this because when I move out, I probably won’t be able to afford my tuition every semester. Thanks for your input.

I am a broke college student that was stupid enough to wrack up a substantial ammount of credit card debt. I have a part time job that gets me enough to live on, but not enough to get anywhere financially while maintaining full time student status. I’ve been looking for alternate ways to gain money but am unable to find a decent source of income, or an alternate / additional job. I was donating plasma as a last ditch effort but during my last visit the nurse gave me a Hematoma (massive blod clot resulting in my arm turning black and blue for over two weeks), so i refuse to go back due to concern for my well being.

I’ve checked into online money making for months recieveing only adds wishing for me to pay instead of getting paid.

I refuse to beg or ask people for money, I feel I have to earn my income.

I am a successful musician with 12+ years of playing experience but no one in my area needs music teachers.
Likewise, I am a martial artist but all of the local dojo’s / gyms want me to pay in order to teach, instead of getting paid to teach.

I do not want a loan, I do not want free money, if anyone out there has any advice on how I can earn a honest income to get me through a hard time please let me know. PLEASE!