View topic - Wow what just happened?
I'm feeling like I'm about to be sick. I really am. My anxiety is going to get the better of me tonight that's for sure.
So we have been scrapping by when it comes to bills and crud and haven't been too late for the most part. We have been trying to keep up with everything and still manage to feel human.
We have food stamps and that's been helping.
But we still have to scrape by with those too because they CUT them to a third of what we had because we get some 700 from my godfather each time he gets paid but ALL OF THAT goes to bills and they don't seem to get that.
So now we were going to be fine this month because my godmother's friend was sending us 650 to help with the bills. We were going to catch up. BUT THEN all of a sudden I see them towing away out truck. We weren't even behind on the payment. The lady at the finance office said it was because we "ignored her calls" when she calls every day regardless of if we owe yet or not.
I'm feeling sick to my stomach and I can't stop shaking.
We have to pay 940 before they'll give it back and all that money was supposed to go to bills so now we aren't sure how we're going to pay the bills because we NEED our truck...
I feel so sick right now.
I want to cry.
Baha.
I just don't know what to do.
So we have been scrapping by when it comes to bills and crud and haven't been too late for the most part. We have been trying to keep up with everything and still manage to feel human.
We have food stamps and that's been helping.
But we still have to scrape by with those too because they CUT them to a third of what we had because we get some 700 from my godfather each time he gets paid but ALL OF THAT goes to bills and they don't seem to get that.
So now we were going to be fine this month because my godmother's friend was sending us 650 to help with the bills. We were going to catch up. BUT THEN all of a sudden I see them towing away out truck. We weren't even behind on the payment. The lady at the finance office said it was because we "ignored her calls" when she calls every day regardless of if we owe yet or not.
I'm feeling sick to my stomach and I can't stop shaking.
We have to pay 940 before they'll give it back and all that money was supposed to go to bills so now we aren't sure how we're going to pay the bills because we NEED our truck...
I feel so sick right now.
I want to cry.
Baha.
I just don't know what to do.
QuoteMy birthday is Dec. 29. ;3
Hey if you want I can go over your finances for you. I help people manage them for a living and have a portfolio of customers I work with. But that's up to you, I wouldn't blame you for not sharing that information with a random person on the internet.
My first suggestion is to talk to the finance office. There's obviously a big problem if they're going to tow your vehicle for not answering calls and you need to find out what it is. There could be a big issue with credit or the terms of your contract, you never know, hence the calls. Depending on your state though you should legally have received notice that they were going to reposess your vehicle. You may luck out and be able to work out a payment arrangement.
Second start prioritizing your bills. If it's not absolutely necessary, don't pay it and I'm talking cable, internet, credit cards, etc. When it comes to crunch time when you just don't have enough money, yeah your credit is going to take a hit but make sure that your SECURED debt is being paid on. Credit cards won't come and take your house.
Third, I'm going to guess you don't have any assetts such as 401K, etc. Garage sales are a good way to make some quick cash. Have spare time? Hit up a Labor Ready or if they're still around answer some baby sitting ads to make a quick buck. Don't pull out any loans though.
Lastly, you really need to take a good hard look at your financial situation and see what you can do to balance out your budget and that takes some thought and care. Depending on debt, you may be able to re-structure it just be aware that if you do, it's going to hurt your credit and they're bound to ask for proof of income including paystubs, taxes including W2s for up to two years, bank statements, etc.
My first suggestion is to talk to the finance office. There's obviously a big problem if they're going to tow your vehicle for not answering calls and you need to find out what it is. There could be a big issue with credit or the terms of your contract, you never know, hence the calls. Depending on your state though you should legally have received notice that they were going to reposess your vehicle. You may luck out and be able to work out a payment arrangement.
Second start prioritizing your bills. If it's not absolutely necessary, don't pay it and I'm talking cable, internet, credit cards, etc. When it comes to crunch time when you just don't have enough money, yeah your credit is going to take a hit but make sure that your SECURED debt is being paid on. Credit cards won't come and take your house.
Third, I'm going to guess you don't have any assetts such as 401K, etc. Garage sales are a good way to make some quick cash. Have spare time? Hit up a Labor Ready or if they're still around answer some baby sitting ads to make a quick buck. Don't pull out any loans though.
Lastly, you really need to take a good hard look at your financial situation and see what you can do to balance out your budget and that takes some thought and care. Depending on debt, you may be able to re-structure it just be aware that if you do, it's going to hurt your credit and they're bound to ask for proof of income including paystubs, taxes including W2s for up to two years, bank statements, etc.
why on earth did you tell them your godfather was giving you money? that wasn't very smart.
It really wasn't a choice thing .~. and I am not the one who filled out the paper work
They aren't my finances.
They just effect me in every which way you can think.
They aren't my finances.
They just effect me in every which way you can think.
My birthday is Dec. 29. ;3
Well whomever's they are, they have to take them head on instead of sweating, worrying, and avoiding phone calls etc. Taking power and action is probably the best thing that can be done right now, I just highly recommend that the holder of the debt does it and refuse to hire an attorney or company that says they can magically turn everything around for you, there's a TON out there preying on people and not doing shit for them, just taking their money and giving empty promises.
Truthfully I'm not sure what to tell you other than that I'll pray things work out for you. After all, All I can do is try to give you encouragement and to tell you not to give up just yet. After all, they say when things hit the bottom, the only way to go is up right? and that is my firm belief. I always try to look on the better side of things because that way you can always see how it could be worse and realize just how lucky your life can be even if life is fair. So hang on and hold out. Because things will get better if you believe. I know that sound optimistic, but I have found that it rarely fails. If your looking for failure your gonna find it but if you look for that ray of sunshine, that one opportunity, you'll find it as well.
I know the feeling of being tight on money.
I live with my boyfriend and my best friend. Currently, I'm unemployed. I just can't seem to find that job. Right now, I'm looking for a babysitting job. I've gotten a few replies to my Craig's List ad but they haven't replied back to me yet.
That being said, my boyfriend and best friend work obviously. Our rent is $500 a month but between the two, it's split down the middle of course. Then there's water, electric, internet, gas, food supply and we have a cat.
It's super scary knowing they're both working minimum wage jobs and only bring home so much. But we've been making ends meet for the past 4 months now.
I'm also working on trying to get my SSI money back because of my amniotic band syndrome from birth obviously. I had that money from ages of 4 - 17. I'm now 20, having trouble finding a job and I believe my hands are the reason. Visual discrimination..
But hunny, if you ever need anyone to talk to don't be afraid to look me up and drop me a PM. (: I can really sympathize with you.
I live with my boyfriend and my best friend. Currently, I'm unemployed. I just can't seem to find that job. Right now, I'm looking for a babysitting job. I've gotten a few replies to my Craig's List ad but they haven't replied back to me yet.
That being said, my boyfriend and best friend work obviously. Our rent is $500 a month but between the two, it's split down the middle of course. Then there's water, electric, internet, gas, food supply and we have a cat.
It's super scary knowing they're both working minimum wage jobs and only bring home so much. But we've been making ends meet for the past 4 months now.
I'm also working on trying to get my SSI money back because of my amniotic band syndrome from birth obviously. I had that money from ages of 4 - 17. I'm now 20, having trouble finding a job and I believe my hands are the reason. Visual discrimination..
But hunny, if you ever need anyone to talk to don't be afraid to look me up and drop me a PM. (: I can really sympathize with you.
Someone said it before but it seems like things need to be prioritized more.
Things you DON'T need such as telephone/internet/etc. should be cancelled and things that are NECESSITIES should be focused on. Scour ads/ pennysaver/ craigslist/ whatever for even small jobs- babysitting, labor jobs, etc. Heck, I think pennysaver ads are free- put in an ad to offer services for money. Babysitting is a big one!
I'm not sure why the truck was towed if you were not given proper notification. There has to be a discrepancy somewhere in there.
Things you DON'T need such as telephone/internet/etc. should be cancelled and things that are NECESSITIES should be focused on. Scour ads/ pennysaver/ craigslist/ whatever for even small jobs- babysitting, labor jobs, etc. Heck, I think pennysaver ads are free- put in an ad to offer services for money. Babysitting is a big one!
I'm not sure why the truck was towed if you were not given proper notification. There has to be a discrepancy somewhere in there.
