I worked door to door sales, I was a technician and a department manager for Office Depot, actor and model, worked at Victoria’s Secret, Hooters, cashier. That’s all I can think of right now.
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Two years ago I was paying off what was originally a $7000 credit card debt. I made good size payments and after two years I got it down to about $3000. I know that sounds impossible but I cashed in a 401k and put my tax return refund towards it and that erased a big chunk of it. The way I paid it off was living on my own and I became eligible for groceries from a food bank. With the food help, I started having $300 or $400 surplus money each month and I applied it to the debt and paid it off in no time.
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So I payed that off but I still qualify for groceries and I still have a surplus of money and for about the last 7 months I’ve had over $1500 in my checking account at all times. It usually is around $2100-$2400. When I started getting this much money my sisters suggested I go to a concert or something or some other kind of entertainment that I usually can afford. But I am just content to have that money always sitting there and I can pay big bills that come up.
I just walked away from my credit card debt and dodged the collections until they stopped trying to collect. These days I just use my debit.
That’s after about 8 years of perfect payment history. I’m sure my credit score is lower now, but I haven’t had a need for a good credit score in awhile. I think it’s going back up because I’m getting card offers in the mail again, but I know better than to go down that road again.
I am on a very limited budget but I am surviving. I’m pretty good at stretching a dollar
My sister keeps all my credit cards. I thought credit cards were a necessity but I have been able to get along fine without them.
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You should be very proud of your success and your job. That’s something I haven’t been able to achieve yet. I did land a 30k a year job as a receptionist for an MRI facility once, and if I could go back I would urge myself not to quit… but I did quit, as I was having panic attacks and vomiting in the bathroom. Turns out I was prodromal, one year out from my first psychotic break. I did fine at the job but behind the scenes I was cracking.
I wish I could get a second shot at that job now. I only got it because a neighbor hired me, pure nepotism.
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Believe it or not I charge almost all my expenses on a credit card and pay it off each month. I earn cash back that way. I know alot of people would think this is a bad idea and good way to get yourself in trouble. But I’ve been doing it for years and I’m good at it. I have a high credit score. One thing that holds it back from being even higher is the fact that I’ve never made mortgage payments.
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On the budgeting site I read people say the way you handle your finances is the best way to handle credit cards, use them for all your expense and pay off in full every month.
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I’m really lousy with money. I read a book and did a workbook both on personal finances and financial planning by Dave Ramsey and that taught me a lot. Dave Ramsey is a world famous financial adviser.
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I came into this world with nothing. I plan to leave with that too.
I used to be good before diagnosis. Now I need to save some for bills but I’m often a victim of my whimsy. Something I like I’ll buy and enjoy myself. I like eating out and having a good time still…I plan on saving more and I’m doing pretty well lately…
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I’m ok with it. In previous years, I’d save and invest. This year’s been different, Disability was reinstated with a nice unexpected windfall.
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I down an iced coffee every morning aswell.
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ha ha I just finished mine. But I got it at Seven Eleven not expensive Starbucks
It’s my best daily living skill by far . Some months I’ll spend more than others, but I’m not buried under a mountain of debt . Have 4 figure savings.
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