I am $400.00 short monthly of what I need to live within my range.I am in debt with credit and I am unskilled,jobs don,t come easy, what else can I do?       .
213239
Debt consolidation - learn to budget\ntry learning a trade by taking a class at community college.\nGet a cheaper place to rent(or get roommate) - try carpooling to save money on gas - try to quit bad habits(like smoking/drinking etc.)\n400.00 more a month - comes to a 100.00 a week - that can be made at a part time job.
390036
You ARE unemployed.    Report your SSDI as income on your application and see what they say.  If your credit record is clean and you have a history of paying your debts you could get a credit card with a low limit with just a modest income (typically must be more than $15K)\n\nJust don't use the credit to supplement your income or you'll end up in even worse financial shape.
446332
Two quick suggestions. First you should look for another job. It won't really matter if you own or rent; you will either loose your home and have bad credit or have an eviction on your record. As far as buying a home is concerned I would not unless I had 6-12 months emergency funds for mortgage, taxes, insurance, utilities, food, gas etc and you had another job lined up.
371925
$4000 isnt that much....Care One Credit Counseling. and cut up your cards!
122801
Do you have a job? You never said if you even have one. If not, get one. If you have a job, get a second job. A lot of people have to do that now days. Also what are you spending your money on? Take a look at how you are spending your money and if you are buying over the amount you make, cut out buying things you do not absolutely have to have. Do not go to one of those payday loan places. They charge really high interests and you usually end up worse off. Some places charge like 100% to 300%. If you borrowed $100, and they charged only the 100% you would owe them $200 when you try to pay it off. Those are rip off places. They are on the news reports all the time about how they charge you extreme amounts. They are like loan sharks.
486883
Ask your friend for the help in paying for the storage unit but be sure you are the one responsible for paying for the monthly rent. Put it in your name not his. Also pay him back as soon as you can. It sounds like your friend is being supportive of you and he should understand that you may need help until you get back on your feet.
44597
I HIGHLY recommend the sites listed below for help and advice. Take it one day at a time. Start with a budget.Eliminate anything that is not a neccessity. Pay what you can. Start with your neccessities first. home, auto, health, etc. With anything left over start paying the minimum on unsecured debt. If you have anything left over pay more than the minimum on the highest interest debt. When that is complete then roll those payments into the next highest etc. Good Luck!
67455
so shy,\nI really feel bad for people in your situation.  But fear not, there are a few things you can do.\n1.  Being that you asked this on a religious board, I'm assuming you belong to a church.  The first thing you need to do is talk to your church leader about this.  They can take up a collection for you to get you out of some immediate debt.  \n2.  You need to really decide what is luxury and need and cut out the luxury for now.  For example, if you subscribe to cable, cancel it.  Unless you need the internet for work, cancel it.  There's an extra $50 a month right there.  \n3.  You can see if you qualify for welfare.  Your local welfare office can help you with this.\n\nI hope this helps and God bless you with your finances.
83828
Sadly, if there were quick easy money out there, we'd all be going for it.  There isn't, really.  Best thing to do, I think, is look for other folks who are in a similar situation and pick their brains.  And/or talk w/ someone in a temp agency to get a feeling for the needs in your community.  Might be able to do some non-internet based computer work (medical transcriptionist?), or possibly phone work... hope things work out for you!
491311
With the right amount of money down you can probably do about anything!....That said.....IF you have poor credit and no money to put down.....I would advise you get your credit back in order over the next year or so and try again.....Call a local lender (most of them will do a pre-qual for free!)....You might try Countrywide or First Horizon...I would stay away from "on-line" lenders as they sometimes make promises they can not full fill (just my experience)
92579
try a department store card, or try something like rentway, with a department store credit card you can purchase something small every month and pay the full balance everymonth. by the time 3 months or so passes, once your credit is ran for a "credit Card" you should have an excellent paying history.  my younger sister was having a hard time too, she opened up a JC Penny card account and bought small things every month and paid the balance in full everymonth. 5 months later she got a mastercard.
241341
Make sure you set some short-term and long-term goals for yourself.  Don't set your goals too high, if you make unrealistic goals you probably won't reach them.  Reward yourself as you do meet your goals.  \n\nGive yourself an allowance and don't spend more than your allowance.  Save some of your money.  Don't over extend yourself on credit.  Buy only what you can pay for and payoff your credit cards every month.  Don't buy a brand new car because you'll lose money as soon as you drive it off the lot.  Buy a good used car so you don't have to pour all your money into a junker.\n\nGet a college degree.  Even an associates or vocational education is a good start.  Don't stop there, continue to learn for the rest of your life.  Your paycheck will reflect the level of your education.\n\nDon't rush into marriage and don't have kids out of wedlock or too soon.  You'll end up working hard for the rest of your life supporting someone else.\n\nTreat yourself and everyone you meet good.  You never get a second chance to make a good impression.  Life only goes around once so make the most of your time here.  Don't drink too much and don't drive drunk.\n\nTry not to put too much empasis on material things.  A flood or fire could take it all away from you in a minute.  Trying to keep up with the Jones' will get you nowhere and you'll never be happy because you'll never have enough.
549696
With those figures, your best bet is probably to set up an appointment with a credit counseling agency or financial advisor and they will be better suited to advise you as to the variety of plans available to you both "in" your area and "for" your financial situation.  Have your dad go w/you for personal support.  You may be able to get out of the hole you're in WITHOUT digging a deeper one.\n\nIn the meantime.....\n**Destroyed the cards? GREAT start!!!  \nYou can also take better control of the other expenses that nip at you month to month by...\n*get a cheaper cell phone plan-maybe even a prepaid one (you control your spending better that way)\n*If you have the "full deal" cable tv service...cut it down to basic for a while till things iron out, you can always re-upgrade later.\n*If you have ALL the extras on your home phone, get rid of it all and keep just basic service and MAYBE the caller id.  Pick up a cheap answering machine for a one time expense rather than have the voice mail that you pay monthly for.\n*Any other "installment" plans that you have PAY BEFORE THE DUE DATE! You'd be AMAZED at how much more will go to the principal instead of the interest.\n*If you have "high-end" internet, cut down to basic for a while...that too can be re-upgraded later.\n\nThere are ALOT of little ways that you can cut down on some of the "over-head" while you get things straight.  And you'd be surprised what you discover you can live without, You may end up realizing just how much and wonder why you were wasting so much money!\n\nGOOD LUCK!
351022
This is just a surface problem - I would assume your debt goes a lot deeper.  Visit the National Federation for Credit Counseling for some help with what direction you should go in to get yourself out of debt.
556177
What if your husband could put some more hours in to support you while you attended school? Also, you mentioned on another page you work with credit, so I'm sure you could find ways to obtain a loan during that time. Final option: downsize. Too many people voluntarily join the "rat race" with their monthly payments on a nice car, nice house, and other items that aren't necessary.
178622
Apply for a credit card. \n\nIf you get one, great. If you are declined, you may be able to obtain one by putting money down, usually about $100 or so. This is known as "securing" the credit card. You'll have a low credit limit.\n\nOnce you begin to charge purchases, make sure you can pay the balance in full since interest rates can be quite high. It's much easier if you don't use the card much each month! Your credit will improve the longer you keep your account open and pay at least the minimum each month.\n\nHope that helps :)\n\nAlso, obtain copies of your credit reports from each of the three credit bureaus. They're free once per year. Go to http://www.freecreditreport.com/
397206
Apply for a secured credit card.Deposit,let say $500,and your credit limit equals that amount.Use it for expenses you would otherwise make,like buying gas,groceries,phone bill,...etc.\nWhen the bill arrives,pay it in full.This way you avoid paying expensive interest while building credit.\nAfter a year or so of doing this,your credit card issuer,will raise your limit and convert you to a non secured card (you get your $500 back).\nAlso buy a CD (certificate of deposit) at your local bank say for 6months or one year term.Use that CD as a collateral to obtain an installement loan from the bank. Make the payments on time for at least six months before paying it off.\nThese two methods will certainly raise your credit profile.\nBut also important is save,save and save money for a down payment of at least 5-10% of the cost of that condo.It will make you less of a risk to lenders. Try to avoid meaningless consumerism and keep your long term goal of owning your own place permanent in your mind,and I am sure you will reach your goal.\nBTW,like tyou I am a relatively recent (legal)-chill out Lou Dobbs-LOL- immigrant to the US. I got here little bit over five years ago and own my condo,and just closed on a second house.It can be done.Whatever the Mind can Conceive and Believe,the Mind can Achieve.\nPeace