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  1. #11
    BPnet Veteran Argentra's Avatar
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    Ok, I'm going to throw my advice cents in here regarding finances and prioritizing, as I have been in serious financial straights (and I mean almost on the street with nothing serious) myself...recently at that.

    First priority, as you most likely know, is housing. If one does not have a place to stay, then other bills are moot. This means your own place, being a roommate with others, or staying with family or a friend for a while. In the budget, this is #1.
    Next are the utilities - electric, gas, water. Especially as it gets colder, heating of some sort is important. Granted, these one can do without if absolutely necessary (and you have plenty of blankets and such), but they are still important. I budget for these #2.
    Then, you have food. One of the basics for living, and something you can go cheap on, as others have already said (rice and beans and pasta are cheap) but NOT do without.

    Those are the main three expenses when in a pinch. Things like internet, phone, and cable you should do without. When you keep in contact with people, let them know the situation, you might even find that they tell you about local assistance programs to help with phone bills and utility bills.
    Now, as far as loans or credit cards go... these are actually LAST in importance. You have to live, and loan payments are not helping you do that. I know, I have 2 credit cards and several student loans I need to pay back...but the loans haven't been touched yet and the cards only get bare minimum when I can spare it. The old saying 'you can't squeeze blood from stone' applies well here. Call the banks and let them know you're in tight financial times and can't afford the full payments. They should be willing to find you a different plan until you're better off, maybe get you lower monthly payments or even find a way to do a deferment or forbearance. And of course, you should look into federal consolidation, which applies to regular loans as well as student.

    Ok that's my money advice. As for right now, first you need to find a shelter, church, some place you can get a meal. They are out there, you just need to ask around. After that, you can sit down and think out what you want to do with your life and if that plan includes the man you're with now. Remember, no matter what is happening, It's YOUR Life! You must do what is best for you that lets you live a good and happy life.
    Look into all your options, keep calm, and remember you have friends you can turn to. Good luck, hon!
    **Adriana - White 'N Nerdy!**

    1.0 BP 'SunSpot', 0.1 Corn 'Freya', 1.0 IJ BTS 'Topaz', 1.0 ND bunny 'Licorice'




  2. The Following User Says Thank You to Argentra For This Useful Post:

    Mutheruva (10-24-2012)

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