My debt is going to be the death of me.
Currently I'm sitting on 16,000 dollars worth of debt (that's counting my car, which at 282 dollars a month is a huge hole in my wallet). I have two credit cards that have been maxed out for 3 years now that I'm paying mostly for interest and overdraft fees and virtually nothing on the balance itself. Luckily I only make 9 bucks an hour so I can't contribute anything extra to bring them under balance and get them paid off. I spend 600 a month just to maintain my debt, which isn't so well maintained anymore.
So I've got two options. Leave the job I'm comfortable with for some shitty call center job making more money, but not much more (It seems no one in this town can make more than 12 bucks an hour), or pick up a second job. I still have 2 years to pay off my car and I need to get my debt down considerably before I can even think of affording a decent place for me and stassney. As it stands after bills and gas I have maybe 50 to 100 left over for the month. Even if stassney gets a better well paying job it still won't be enough to get me out of debt.
I guess its time to start job hunting again. I really like where I'm at and I would hate to give it up to go back to the shit I was doing before just because I screwed myself financially. Either that or does anyone want to lend me 10 grand that I promise to never pay back?
Edit: I'm also forgetting my 1200 bucks worth of medical bills for two emergency room visits. 1200 bucks to find out I had gastritis and needed to take over the counter Prevacid. Not a single overnight stay, no surgery, just an iv, a few bags of fluids and an ultrasound set me back 1200 after insurance. Next time I feel the need to go to the hospital I'm just going to let myself die, it's much cheaper that way.
Currently I'm sitting on 16,000 dollars worth of debt (that's counting my car, which at 282 dollars a month is a huge hole in my wallet). I have two credit cards that have been maxed out for 3 years now that I'm paying mostly for interest and overdraft fees and virtually nothing on the balance itself. Luckily I only make 9 bucks an hour so I can't contribute anything extra to bring them under balance and get them paid off. I spend 600 a month just to maintain my debt, which isn't so well maintained anymore.
So I've got two options. Leave the job I'm comfortable with for some shitty call center job making more money, but not much more (It seems no one in this town can make more than 12 bucks an hour), or pick up a second job. I still have 2 years to pay off my car and I need to get my debt down considerably before I can even think of affording a decent place for me and stassney. As it stands after bills and gas I have maybe 50 to 100 left over for the month. Even if stassney gets a better well paying job it still won't be enough to get me out of debt.
I guess its time to start job hunting again. I really like where I'm at and I would hate to give it up to go back to the shit I was doing before just because I screwed myself financially. Either that or does anyone want to lend me 10 grand that I promise to never pay back?
Edit: I'm also forgetting my 1200 bucks worth of medical bills for two emergency room visits. 1200 bucks to find out I had gastritis and needed to take over the counter Prevacid. Not a single overnight stay, no surgery, just an iv, a few bags of fluids and an ultrasound set me back 1200 after insurance. Next time I feel the need to go to the hospital I'm just going to let myself die, it's much cheaper that way.