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Originally Posted by Broken Arrow
You certainly have been trying, haven't you Joe? I sympathize with you, and in many ways, I am no different in that I too am struggling. Therefore, I hope that things work out for you. I really do, because I want things to work out for me too.
I... don' t think it's a good idea, for example, to propose while you're still in this financial quagmire. Trying to save $3k for an engagement ring? Not so bad if you're in the black, but pretty steep considering everything else you're trying to juggle. Even if you marry her, there's a good chance that you'll just end up divorced... with nothing to show for except more debt... like me....
I don' t know what the situation is with the rented house, but wow, it sure is large. Actually, it's a pretty good deal given its size. However... does a single guy need that much space? I'm just saying. What if you found a cheaper, smaller place to live? It's only temporary until you're back on your feet again. A smaller place should also help reduce your utility bills.
Well, whatever it is that you can do, I hope you do not read what I written as an insult. It was never intended to be that way.
I also hope that, eventually, you will be able to create an emergency fund for yourself. Everybody should have one, but it's especially true for those whose income can fluctuate.
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The worst part right now is that, as far as it now looks, the month of July is going to be BAD commission-wise, as in, I'll be $1500 short for bills even NOT CONSIDERING the payday loans I'll be paying back. I really have no idea what I am going to do.
The disheartening, yet also encouraging, thing, is that ONE GOOD MONTH of commissions could quite literally wipe out most of the problem in one fell swoop. I mean, a good month can be an extra $4300 or so, which would eliminate the payday loans, give me a few hundred for the emergency fund, and pay down the utilities. A second good month could finish them off and pay off my dad.
Know anyone who needs to refinance or buy a home and needs it done FAST?