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  #1  
Old 01-07-2009, 02:21 PM
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Default financial help ...

well my girlfriend's job got cut to 24hrs a week instead of her usual 50 and i'm on-call at work more often then i have a start time.

i'm really hurtin' ... i'm looking for some financial advice from someoen who might have been in my shoes once.

debt consolidation loan? get rid of the dozen payments for 1?


i've got a crap credit score ... 560's since my jail stay went to collections. i've got about $3k in fines I owe in the next year, have a car loan (trying to sell my car), can't afford car insurance , and have $325 a mo in rent.

we used to bring in ~3200-3800 a month. we pissed most of our money away on material things, vacations, parties ...


now we're down to about 1800 if i'm working a full schedule. i've also got 2 credit lines for $1600 and $500 ... both maxed.

we made payments fine and always had good credit till last 4 months since jobs slowed, court costs piled up ... etc. now i'm trying to dig myself out of this hole.


any help would be much appreciated! And i'm not selling my system off in this economy ... i'll keep the amp considering people can't even get $500 for a Mojo and the subs are having just as hard of a time selling.

i do have a 05 RE XXX 18" in near perfect shape if anyone really wants though ... also if anyone needs a website, holla atcha boy i do it for the low-low!


Sorry, I just need some advice! ... I'm done now.




edit: AND I really want to go to college, I did a fall-semester this year but can't afford tuition with everything else coming down on me all at once ... parents make too much money to qualify for FAFSA.
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Last edited by sholiz; 01-07-2009 at 02:25 PM.
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  #2  
Old 01-07-2009, 02:25 PM
Car audio classifieds, stereo sales, subwoofer amps mids classified caraudio, BANNED!!
 
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Bancruptcy? The bancruptcy consolidation is a lot better than these debt consolidation companies.
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  #3  
Old 01-07-2009, 02:25 PM
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Car audio classifieds, stereo sales, subwoofer amps mids classified caraudio, BANNED!!
 
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The bathrooms at BK always need a good cleaning.

Seriously though, look for another job or part time job. You're not going to get a great job right now but if it pays the bills and keeps you from being homeless
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  #4  
Old 01-07-2009, 02:27 PM
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Not much to really say, you gotta pay your debts off and then only pay in cash if I were you. Thats what I do, I dont do credit... it just gets people in trouble.
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Old 01-07-2009, 02:35 PM
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Quote:
Originally Posted by Patrick Simmons View Post
Bancruptcy? The bancruptcy consolidation is a lot better than these debt consolidation companies.
He's not enough in the hole. I think you have to be at least $10,000

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Originally Posted by bumpin buick View Post
Not much to really say, you gotta pay your debts off and then only pay in cash if I were you. Thats what I do, I dont do credit... it just gets people in trouble.
Thats what im doing now also, got myself into alot of trub with credit.

Sorry to hear that. I feel ya man, right now times are pretty tough with us also along with 3 youngens 1 being 18 months old & courts fines.. lol, I dont even want to get into that, I HATE court fines they add up very quickly! Luckily thats all behind me for the most part, still dealing with stuff from about 6 years ago.

Could always try a temp agency?? Couple people I know have done that & said it worked out very well for them for the time being.
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Old 01-07-2009, 02:40 PM
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jion the military, you're under 23 or whatever the cutoff to join with debt. One trip to Iraq and you'll have all debt paid off
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Posted to Monty

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as it is you would have been better off with a 50cc hot pink moped with slutty on the plate
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im sry bro but actions like this bring down you and the whole site....this is a place to help and or learn car audio along with selling used car audio equipment.....posting to get a rise out of ppl is not only childish it hurts caco on the whole.....
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Old 01-07-2009, 02:41 PM
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Quote:
Originally Posted by mytyeerinpie View Post
jion the military, you're under 23 or whatever the cutoff to join with debt. One trip to Iraq and you'll have all debt paid off
Military is picky about people with backgrounds now.... they also check credit



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Old 01-07-2009, 02:43 PM
Car audio classifieds, stereo sales, subwoofer amps mids classified caraudio, BANNED!!
 
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jion the military, you're under 23 or whatever the cutoff to join with debt. One trip to Iraq and you'll have all debt paid off
I don't think they except people with records or convictions within so many years but I could be way off since I am not in the military.
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Old 01-07-2009, 02:45 PM
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I don't think they except people with records or convictions within so many years but I could be way off since I am not in the military.
Joo mocking me again!?! lol



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  #10  
Old 01-07-2009, 02:47 PM
Car audio classifieds, stereo sales, subwoofer amps mids classified caraudio, BANNED!!
 
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Joo mocking me again!?! lol

Of course. You give such good advice
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