22, $42,000 - 8k debt.
Hey guys im in need of some advice.
I work 20 hours a week as a Personal Shopper while attending a public four year school for my bachelors.
I make $42,000 a year only working 20 hours a week which is great for my school so i can have time to study and work. HOWEVER, i always find myself broke between
Rent $600
Car payment $250
Insurance $250
Phone $100
Credit Cards $200 a month over $8k in debt between 3 cards.
I want to get out of debt while in school because i have student federal loans to take care of my education of $13k a year for 2 more years.
I got a $3,400 excess check from Financial Aid.
Do I?
Use that money towards negative equity of what i owe on the car and then sell it since i can use public transportation for school and work in my city. Saving me $500 a month.
Use the money towards rent or my living expense?
Put it in a savings or MMA?
or find another job that will pay me better, although I dont know about any job without a degree working 20 hrs a week that will pay me $42,000 a yr?
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