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Frugalistas Frugalistas

Help!

Posted by on Nov. 26, 2012 at 3:05 AM
  • 10 Replies

So here it is in a nut shell:

i make about 180 a week, going from 280 a week because of winter hours

My current rent is 292 first part due on the 1st and the 2nd part due on the 15th  all we pay are overages as far as electric and stuff.

my credit card min is 94 due by the 8th of every month

my student loans all togather are 379.00 due on the 8th

netflix: 8:00 by the 18th

internet 16.00 by the 8th

How do i make this work?

by on Nov. 26, 2012 at 3:05 AM
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Replies (1-10):
nailz98
by Member on Nov. 26, 2012 at 6:57 AM

maybe find a second job for the winter.

lhiannan
by on Nov. 26, 2012 at 7:11 AM
2 moms liked this
If your student loans are federal, ask for either a deferment/forebearance, or their income based repayment program. You might not have to make any payments with that, but it still counts as being paid on time.
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pinkcoffeecup
by Silver Member on Nov. 26, 2012 at 7:53 AM

Me would be seeing if I was eligible for Food Stamps. That's not a lot of money for the month.    Or would be looking for another job or a second job to suppliment the 1st.  

JakeandEmmasMom
by Silver Member on Nov. 26, 2012 at 9:30 AM

 Get your student loan payments lowered, or even a hardship forbearance.  It's your student loans that are killing you.  I assume they are federal loans?  They will work with you very easily.  Just call and talk to them.

HaileysMom07180
by Member on Nov. 26, 2012 at 9:32 AM

you can do an ecenomic hardship deferment.  and how did you get your rent so low, i can't find anything here below 600 a month

SwtSnowflake2
by Member on Nov. 26, 2012 at 1:15 PM
I know! We live in a two bed one bath apt and its over $600.

Quoting HaileysMom07180:

you can do an ecenomic hardship deferment.  and how did you get your rent so low, i can't find anything here below 600 a month

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Dabberdoo
by on Nov. 26, 2012 at 1:34 PM

If you aren't locked into a contract on your phone, go with the WalMart StraightTalk plan with unlimited everything for $45 a month.  Or T-Mobile has an unlimited no contract plan for $50 a month.  The limited plan at Walmart is only like 30 a month and its still a lot of minutes and teh coverage is good. 

HaileysMom07180
by Member on Nov. 26, 2012 at 2:50 PM

yeah we are in a 2 bed one bath and ours is exactly 600

Quoting SwtSnowflake2:

I know! We live in a two bed one bath apt and its over $600.

Quoting HaileysMom07180:

you can do an ecenomic hardship deferment.  and how did you get your rent so low, i can't find anything here below 600 a month


specialwingz
by Corey on Nov. 26, 2012 at 5:21 PM

A 2nd part-time job, pay-as-you-go cell phone, netflix would be gone for us, and talk to someone about your student loans.

matreshka
by on Nov. 27, 2012 at 10:37 AM

How long are yoru student loans going to be that high?  I would renegotiate, you can do that on federal or private loans, especially if you have been on time with your payments.

We have pay as you go phones which work out to be a lot cheaper.

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