What should I do now?? I'm really really broke...?

Question

I have a job that pays me just enough to make my house and car payment, and if I am lucky my car insur payment.

I will have trouble findin another job with my work history at what it is...

I would love to be a paramedic, (I got accepted into school for it) I have to get recertified to be and EMT B first, I cannot afford the money for that, I have also defaulted on student loans because of my job and the pay, so I don't know if I will be able ot get my EMt school paid for if I find a way to get into the EMT B class.

I am broke, and cannot get out of a 648$ car payment because my credit is so bad. (in the 500's) that I'm so far under I will still have to pay. and I can't get credit for a cheaper car.

Should I do school, ride a bike to work and sell everything I own to work my way back to square one..

I am so so so lost, for that lst 4 yrs I have been depending on my BF who makes a tremendous amt of $$..

and we might be breaking up....

Sorry if this was a confusing post. I am lost.

Answer 1

Community college is cheap and they offer EMT courses.  You can also apply for federal loans and grants to help with community college tuition.  EMTs don't make a lot of money, but if you do what you love, you'll be ok.  

A $648 car payment is high.  If you don't have a lot of money, buy a car for cash.  Don't be embarrassed to drive a $1,500 cash car.  It'll let you save enough money to pay your other bills.  

You may be able to make an arrangement with someone to assume your car loan and just take the car if they'll make the payments.  Don't just tell someone - here's the car, now you make the payments.  Do it right and do it legally to get that loan out of your name if you can.  

If you can't get the loan out of your name, pick up a second job (anything will help) and make your minimum payment on your car while every month sending in whatever extra money you can with a letter telling them to apply your extra payment towards principle only.  Make sure you send in a check and in the "for" section write *apply towards principle only*.  This will help get the car paid down to where you can sell it and not lose money.  Even if it's just $50 or $150 / month towards principle, you'll be surprised what that will do in a few months.  

Get rid of the car and pay for community college in cash with any government help you can get.  Don't get a loan if you can avoid it!

Answer 2

You need to get a second job. It could be part time, deliverying newspapers, anything.

Answer 3

Hey now!!! Calm down, take a deep breath and relax for a little while.Dont worry, everything will be alright. Time takes care of everything. All that you have to do is let it take care of it's self. It sounds like your man is a real a hole. By reading your other questions, I am pretty sure that this relationship should have been over a long time ago. Any kids involved besides the one that wants to s***w around on you? I hope not! I understand that you are an aspiring model, show us what you got. Maybe somebody will see the pics and pay you for more. h**l if I like what I see, I might take care of all of your problems, including your buttfuk boyfriend.

Answer 4

Stop being so d**n lazy and making excuses.

"I will have trouble findin another job with my work history at what it is..."

Have you tried?  You need a second and third jobs.  Do something different and do A GOOD JOB at whatever menial task you're qualified for.  Burger King will hire you.  You can collect aluminum cans.  Do it good a build a WORK HISTORY.  If you spent the time you spend whining, working stead, you would find a way out of your current problems that were created by you.

You're on a one-way ticket to loserville that will last you a lifetime unless you get started changing your pathetic position.

ADDITION

I'm not being rude.  I'm being honest.  You live BEYOND YOUR MEANS.  That's not a put-down.  It's a fact.  You have more expenses than income.

You need to find jobs that pay more and/or cut your cost of living.  (Who the h**l buys a car as a "financial investment"?  DId you know the car loses 25% of it's value when you drive it off the lot).  You did it to yourself.  I have no sympathy.  Sounds like you need a 5th job or will have to curb your lifestyle.  It's Econ 101 babe.  Dump the car, let em repo it and that saves you $600-$700 mo.  YOU can not afford it.