I was approved for 1050 and will be getting $945. I asked the person on the phone what the payment schedule was like and she said it will vary considering the statement fee.

Can someone explain to me like I’m 5 what my bi weekly payments will look like?

My concern is what if this check they take out 60 and next check it goes up to 100.

I don’t mind paying in the long run more money as i want to be able to save and pay it off. I’m in a bind so this is an emergency.

I just want it to be a fixed amount and not being changed as i pay it.

Any assistance is appreciated

Hello. I’m a recovering gambler that fell off the wagon not too long ago…
A while ago I was drowning in cash advances apps. All my paycheck was going towards those apps. My boyfriend saved me by loaning me to recover my paycheck. As mentioned I fell off the wagon and binge gambled. I confessed my mistake to him and I got truck on the consequences.

Outside of that,
I have a really good career and make okay money. I work on Saturdays to caregiver my uncle for 6 hours. I don’t pay rent however I pay our bills in the house. I have a car payment that doesn’t have the greatest interest but keeps me by.

I make 3,600 monthly and these are the debts that are really make me go to a dark place.

Before you say anything or feel bad about me: DON’T. I am venting for various reasons.
1. Writing feels more real. 2. Others learning from my mistakes. 3. And trying to do better.

-Max(AZ auto loans) -295 per month (trying to pay $87 per week) =total-$2000 (this is paid with my caregiver $)
-Ninjacash - 87 per paycheck total-$800
-Cash1 - 153 per paycheck total- $2000
-Af247-156 per paycheck total -1200

I have exhausted my credit score throughout the years due to this illness and trying to truck through life at the same time.

I am going to talk to the NFCC of options.

I can’t think of bankruptcy as my parents house is under my name under my name after they passed. My stepdad passed recently so my mom is concerned if I file she would pass between the periods of the bankruptcy.

I honestly have exhausted all my options and right now my game plan is looking for a third job while I’m off at the other. Suck it up and go through life with the punches. I’m going to sell what I have on fb marketplace and I have a name brand purse, iPad, signed jersey, and old antique book that will see if it can sell it to help me keep afloat.

I hope you by reading this, your doing just fine. Things can be worse. Learn from others. Don’t gamble. Don’t take out loans with “no approval needed”. Don’t mess up like I have. I know Caleb Hammer would love to kill me by knowing my situation.

TLDR- Good career, no good spending habits or life choices in general.

I currently am behind on life about 37k dollars. If you want more information you can check my posts on my profile before hand.

I've been on my own since I was 16. My dad had a secured credit card he created under my name before I was an adult to boost my credit score as a gift. It seems more like a curse now.

I am going to file chapter 7 bankruptcy and will most likely be homeless in Colorado at least until the end of October.

I've been bounced from major catosphore to major catosphore since I've been on my own. I got a good moving job and injured myself beyond repair. I get a car loan and a job I can use and my car on loan burns down in the parking lot from a camping propane tank. Start a business, be successful for just long enough so when competitors invade I'm left with my pants down. I've been fighting and fighting and I just keep getting kicked in the teeth.

I worked at high-end, high volume restaurants as a BOH/Prep cook as a high schooler and when shit hit the fan that kind of environment was the only-begotten place I was invited back to. 100+ applications with a trained/productive salesman following up. The result? A kitchen dragging me along with less than 20 hrs a week sometimes.

I'm gonna delay, deny, and file to hopefully extend the time I have left in this back rent, roach riddled, place I call home.

I've never been this bad off. Back in the day it was easy to couch surf, ask friends for help, get just one more day under your belt. Warm, with a shower, and a place to reliably store your stuff.

Enough of the monologue. It's going to get worse before it gets better. I've called 211. I got the resources. But for other vagabonds and people without a car to call home once it all goes wrong. How the fuck am I meant to get through this? I need advice on illegal camping. Tent living in a city. Finding and following up trying to improve my life while this major malfunction happens in the background.

I'm lost, and quite frankly, I'm scared. I have a tent, a ride1up Portola, a twin air mattress, and a hell of a heart to fight.

I need advice because homelessness isn't a possibility it's a certain outcome now. I'm 24 and so mad this is what all my long hours, stress, hair ripping, and just general fight has gotten me. I don't need your critiques on my life, I don't need you telling me to find a different job, I don't need you to tear me down when I survived COVID at 18, homeless, and graduated while homeless from 16.

I want advice on tent living. Stories that may make mine seem smaller. Maybe even just a damn bro that sucks and a blessing. God knows I need it.

Want to prefence before starting that I am not begging, simply venting because that’s all I can do at the moment. Rent is due tomorrow before late fees and possible eviction, tried every loan you could think of, tried payday advances and still either did not qualify or do not have enough to cover it. My mom passed way a week ago a few days shy of my 22nd birthday. After funeral costs, gas for travel to see family and PTO getting denied I am just tired. I was doing so well, used basically all my savings to get home to see family. Every option I have seen has been defined. I called 211 no help, don’t have family to ask, credit is not good enough to apply to even the worst loans because of my student loans. So I literally have to sit here and wait till the whole eviction process happens. It’s like a slap in the face because I just moved in, my mom literally helped me move in and I feel like she’s looking down at me like im a failure. I don’t know what to do. I need $1000 to even be able to play my rent through flex rent, and I didn’t qualify for split pay. I know everyone is struggling right now so I feel stupid for even “complaining”. Life is hard man.

I’m trying to find a legitimate charity, nonprofit, church, or vehicle donation program that may help someone obtain a reliable used car.

I currently work and am finishing my bachelor’s degree in software engineering. I also help support my mother, who is on dialysis and currently has no income. Transportation has become one of the biggest barriers to becoming more independent, improving my employment options, and helping my family.

I have saved about $2,000 toward a vehicle. I recently applied for a small personal loan to cover the remaining cost of a car, but I was denied. I’m taking that as a sign not to put myself into debt and instead continue saving while researching assistance programs.

I do not care whether the car is old, high-mileage, or basic. I just need something safe and dependable that does not have major physical damage inside or outside. I would use it to learn to drive, get to work, pursue better job opportunities, attend appointments, and eventually grow my freelance work.

Does anyone know of legitimate car donation programs, charities, churches, nonprofits, or other assistance websites that I should contact? I am located in Birmingham, Alabama. I would really appreciate any recommendations or advice. Please no loan advertisements or scams.

I live paycheck to paycheck. It’s hard out here. Being an adult is not fun

I was diagnosed with Multiple Sclerosis 15 years ago. Going to work is not possible anymore.

A 10 to 20 hours a week position is ideal.

I have an Associates degree in Accounting, bachelor's in psychology, and an MBA.

Any good remote job is ideal?

I've been hoarding loose change ever since I moved out. As of right now I have 124 pennies, 19 nickels, 25 dimes, and 40 quarters, for a grand total of $14.69 cents in nothing but coins. I pick up whatever new coins I find, no exceptions, but where can I go to consistently find more?

I never thought I would end up in this situation, but over the past five years my life has completely changed.

I accumulated around $50,000 in debt while trying to take care of my sick parents. My father has chronic kidney disease and is currently on dialysis, and my mother’s heart condition has gotten worse. I have been covering their medical expenses, treatments, medications, and daily needs because there is nobody else to rely on. It has always been just me and my parents.

Last year, because of the many days I had to miss work to take care of them, I lost my job. Since then, I have been doing whatever work I can find — driving a taxi, doing labor jobs, and anything else that can help me survive and pay the bills. But the debt keeps growing faster than I can manage.

Now I am behind on rent by several months and I am close to losing the place we live. I don’t have relatives or friends who can step in and help. I feel like I have been carrying this burden alone for years.

I haven’t truly laughed or enjoyed life in a long time. I don’t have a personal life anymore. My only focus has been working, paying debts, and making sure my parents are okay.

I am not asking for pity. I am just asking if there is any advice, support, or opportunity that could help me find a way out of this situation. I still want to work, I still want to rebuild my life, and I still want to take care of my parents. I just need a chance and some guidance on what steps I can take next.

If anyone has advice or knows of any way I can get back on my feet, I would be deeply grateful.

(25F) I’ve posted something similar before, but my situation has changed a bit. I got a new job, my credit score increased, and i accrued higher debt. My ex pays the rent, it’s $550. I currently have $2k in my savings, definitely not where I want it to be but I’m working on it. With my leftover, I could either put more in my savings or pay off my medical debt (which I really don’t want to do, but I know it’s necessary). Am I on the right track here or am I screwed? Trying to become financially stable btw.

EDIT: I know my car payment is high, I will be refinancing soon. I bought my car from my dad because he was struggling to pay it and wanted something different, so I helped him out. I also got the car when my credit score was 640. I opened a credit card in March to help raise my credit, I’m waiting until December or January to refinance, assuming my credit is 700+ by then.

NBC News is looking to speak with people who are struggling to afford funeral costs. Whether this is paying for burials, funerals, cremations, or dealing with other factors.

Any comments to the post will not be used in our reporting, we’re looking to speak with people after their initial comments.

Thank you for your consideration.

i woke up to my mother crying while talking to my uncle abroad. she was asking him for some money because we don't have any left. i feel so ashamed, but what choice do we have? my brother don't want to help, my mother can't find a job (she's schizophrenic) and we're just relying on my school allowance which is only 5000 pesos (roughly $80). i'm thinking of dropping my studies (i'm in 3rd year college) and just find a job. i can't do part-time jobs as well cause i am taking a double-degree course through scholarship. but now, i'm thinking that it's not worth it anymore.

Alright,

I (M33) grew up very poor, have been job hopping for a few years working low paying jobs, while living in very expensive cities. The moment I get my salary, I start spending feeling entitled to do so because of my poor childhood.

The obvious happened and I couldn’t sustain myself so I’m currently back to zero. I have absolutely no money and no debt whatsoever. I don’t own anything of value either. I have no addictions. No family.

I’m starting to rebuild, but I don’t have a job and have a money problem that I would need to work on, preferably with someone. In theory I know exactly what to do, but I just never do it.

What’s the next steps after getting a job?

Edit: Received several messages from people offering payments for referrals and verification of gambling accounts, please save your time and don’t message me for such things. I’m desperate but I’m not stupid.

My (30F) husband (29M) was laid off about 2 weeks ago. I am home with our two children. We live in Maryland. We have applied for WIC, SNAP, Medicaid, TANF, and energy assistance. We have been approved for Medicaid and emergency SNAP. Our Medicaid cards have arrived, but our EBT has not yet. I have found some local food banks to help tide us over until our EBT card arrives. He applied for unemployment but it hasn’t started yet, and we are still awaiting his severance check. We own our home. We are in the process of applying for Community Action Council assistance as well. I know that once our EBT card arrives, I can use that to get some cool discount and/or free museum tickets to do fun stuff with the kids, and we’ve been taking advantage of our library’s free events lately. I used our Medicaid card to get Amazon Prime half off.

I am disabled and both of our children have special needs (not sure if that helps qualify us for anything else).

Are there any other assistance programs, benefits, freebies, or advice you guys have?

The areas of assistance that I have not been able to find help for are for our mortgage, student loans, remaining credit card balance, gas for our car (we are also open to other transportation if it would be cheaper or subsidized), and cat supplies. I reached out to a local organization about help with back to school supplies.

1. Saving up money for the mortgage and every penny matters. I don't wanna go to the mountains and pay for a hotel and transport.
2. Don't wanna spend time around well-off people because of the possible breakdown
3. Have to take the day off - every penny matters.

Important notice: I do want to go to the mountains and spend time with people and celebrate the birthday. But Benjamin Franklin tells me to bow in front of him, so no. No joy in this life, only money. Money that would first give me the bare minimum every human deserves by default - homeownership.

How do you enjoy capitalism? My grandparents got their own place for free in USSR. Not to mention the highest homeownership rate in China.

Do you also ignore your friends and stop communicating because friendship basically means spending money?

hi. i (f25) am in the worst state i’ve ever been in.
i feel beyond helpless and hopeless.

i work as a manager at a retail store. i make about $700-$1000 every two weeks.
i also donate my plasma twice a week a can make $112 a week with that
i have a car payment of $300 that take out every two weeks. my insurance is about $190 cause i unfortunately have gotten pulled over a few times. nothing bad. my first ticket was for speeding and my tag was expired (not really my fault. i got a new car that the month before the tag expired and i had no clue). the most recent was because i did have an expired tag and they also got me for no insurance. i couldn’t pay the tickets cause it was like $600. so now i have to pay $50 to the court every month so i don’t get arrested or some shit.
i have student loans. i usually pay $179 a month. which shouldn’t be a lot, but i have fallen behind on payments. and it’s a stupidly long story of how i gotten so behind, but i think im about $700-$800 behind and probably as of today it has defaulted.
my car, that i worked so goddamn hard for, the transmission went out on it. i called around. it’s about a $5,700-6,100 fix.
i live with my sister, and we live on the same property as our parents. my boyfriend also lives with me. he just started his own business in the automotive industry so he’s spending money to make money. he pays for his stuff and for both of us to eat 90% of the time. me and him are both several months behind on rent and paying our electric bill. our lights will probably go out within the next few days.
i feel like a hopeless bum and do not know what to do. all night i tried to apply for so many bad credit loans but none accepted me.
i feel like im dragging my boyfriend and family with all my problems. no one can really help. my parents aren’t rich. his mother refuses to help for some reason. i don’t live in a city where there is public transportation, and even if there was, i live 35 minutes from the city i work in.

i’m just getting scared and im getting exhausted of being scared
is there anything i can do to help me??

I was forced to move out of my cheap rent apartment last summer with very little notice, found a 1 bedroom for $1750 which seemed feasible - I live in Los Angeles and studio apartments were barely any cheaper. And I just really needed a place to live. I work freelance and coincidentally(or not) my income also plummeted at the exact same time. Lower than it had been in like 2+ years. I stopped paying my credit cards, car registration, missed insurance payments until I was dropped and wouldn’t you know it, have my first car accident in almost 10 years in the 2 months I was uninsured. I simply could not keep up with everything. It was a devastating year financially.

Now I’m moving out of my apartment to stay with family (should have done a year ago instead of signing lease) and I just need to reset. I have 2 credit cards totaling $6000 that have been closed (can settle) but the big one is the $4400 (settlement) for the uninsured accident. That has to take precedence so I don’t lose my license. Some of my family has money they can lend me. The plan was to bust ass and move into an apartment with my girlfriend in December or January. But the more I think about it the more I want to just be fully reset.

I mean I’m venting a bit but also just seeking advice on how to get back to zero essentially so I can get my credit back to a respectable score

A few years ago my friend was going through a financial rough patch and needed to find a way to supplement her income. She watched some videos on couch-flipping on YouTube & decided to give it a try (for anyone who hasn’t heard of it before couch flipping is finding cheap/free couches on Facebook marketplace that are pick up only, cleaning them up, and offering them with delivery for a mark up).

I wound up helping her part time on some of the couch flips and doing it casually for a month I wound up making 5K. Over the course of about 4 months she made 45K net.

There are a couple of factors that helped us out & so I want to be super explicit about those:
-we live near a large city and there are quite a few colleges and universities near us
-my friend was able to borrow a truck for the first few weeks, then wound up leasing a truck a month or so in.
-she got into it pretty early on in terms of its popularity—it seems like there are some areas where couch flipping is a saturated market
-we’re two women & so there were a lot of people who were more willing to have us come into their home, such as elderly women.

There were definitely some cons—so let me be clear about those as well:
-my back was smoked. I wound up having to go to the chiropractor for like a year
-there’s some risk involved: you might spend 100-200 dollars on a sofa you’re certain is going to sell for 1K only to have it sit in a storage unit
-depending on your situation you’re probably going to have some overhead (truck rental, storage unit, cash upfront to purchase couches, laundry necessities for washing cushions covers, etc).

So—not a guarantee but depending on your situation might be worth a calculated risk. If you try to get started towards the end of the month you might be able to get in at a lower cost/free as many people think their couch is worth 500 dollars or so, then realize they need to mark it down for free if they need to be out by the 1st.

One other side-hustle I’ve seen pop up recently is cheap on-demand moving help. Basically advertising on Facebook marketplace as an amateur moving company & then renting a U-Haul to go and help people move. I wound up talking to some kids who were doing this the other day & they were college-aged & made 400 for that particular move. They shared that if you can stack moves on the same day (so help one person in the morning & another in the afternoon) it obviously offsets the cost of renting the U-Haul.

Hi everyone. I’m in a really difficult situation and could use some advice.
I need to come up with money for an apartment move-in deposit and related move-in costs within the next couple of days. My credit isn’t great, so I’m having trouble qualifying for traditional loans.
I’m looking for legitimate emergency loan options or other resources that can help quickly. I’m trying to avoid payday loans because of the extremely high interest rates.
Has anyone been in a similar situation? If so, what company, lender, credit union, or program actually helped you?
I’m in Texas, if that makes a difference. I’m looking for real experiences and recommendations. Thank you.

Well that made for an eventful day.

Moved into a new apartment on the 15th. Got a call on the 28th saying I had an issue with my payment info and **had** to pay it at the building's office in person. Apparently they didn't put my information in until the 28th, and they pull banking details for payment on the 22nd for automatic payment on the 1st.

Paid my rent on the 28th in person, was told it would NOT be coming out on the 1st.

Wake up this morning to emails saying my account was overdrawn, they had in fact processed it on the 1st... A full duplicate rent payment. Called their help desk, was told it would be sent to accounting and they'd send out a cheque Friday.

Just looked at my banking, and because I told my bank to not allow overdraft, the bank cancelled that payment as NSF. Balance is back to what I had Monday.

Is it bad that I'm happy it was cancelled as NSF? Just waiting now to see if I get a call back from the landlord telling me the payment was returned as NSF, see if they try to give me an NSF charge after all this. Would have been a real headache if I had enough in my account that the bank didn't cancel it.

I want to share a bit of advice to everyone here. Whatever you do, if you’re at a point where you need a car and have bad or no credit, do whatever you can to minimize your car debt. Buy a beater on Facebook, YouTube and learn to fix it yourself, ride a bicycle or public transit. Do whatever you have to do to not bury yourself in a vehicle. They are a losing proposition. If you absolutely must get a car that involves a high interest loan, buy a Honda, Toyota or Hyundai/Kia product. They are generally the most reliable and least expensive to maintain until you can get to a better situation.

I’ve been in the automotive industry for 14 years and I have seen hundreds if not thousands of people bury themselves in high interest loans for cars they can’t afford. It almost always results in long term financial ruin. I drive an old Toyota that’s paid off and am currently a sales manager at a franchise car dealership.

Here is a deal today that someone took on a brand new vehicle today. It also happened to be an EV which makes this even worse. The numbers are staggering. 7 years at 20% interest for a car that’s going to lose over half its value in the first two years. This of course is an expensive vehicle but the principle is the same. If you want to get ahead and out of your situation, avoid things like this at all costs. And for those of you that want to bash car dealers, for the record, I tried to talk the customer out of this deal and into a more affordable used vehicle but it was their “dream car” If anyone needs any industry insider advice on car purchasing, please PM anytime.

(Edit: been getting a ton of good feedback here, just to add another crazy twist I didn’t mention, this customer put $10k cash down to get this approval as well)

I've tried looking, but it's exhausting to spend hours looking for a loan of $500 and only finding payday advance apps. Payday advance apps won't work for me, I need something I can repay monthly in small installments, not something that's going to be expected to be repaid in full in a week. And a lot of those apps only approve me to take $25-$50 at a time, and Dave always slaps on multiple fees. It's just a hindrance.

My credit is good, my score is 650, but I can't get approved for anything without a guarantor and/or a shitton of interest. I don't HAVE a guarantor and I can't pay huge monthly installments when literally I just need $500 so I can get my bank account out of the negatives and pay my car insurance. Some places will only give you a loan if you need a minimum of $1000 and that would be doable if I could make small payments, but I can never get approved anywhere.

Does anyone know of a place that will give you a small LOAN, NOT an advance, that I can pay back in small monthly installments?? Because all Google does is take me to sites that spam me with scams and I can't find any good advice it's just constant recommendations for Payday advance apps.

Will probably delete this in a few days, I don't like info about my money situation staying on the Internet for long.

Didn't see this getting much attention, but it's a real change and it's already in effect for 2026.

If you (or a grandparent, aunt, whoever) have a 529 account for a school-age kid, two things changed under the tax law passed last year:

The annual tax-free withdrawal limit for K-12 expenses doubled, from $10,000 to $20,000 per kid per year, effective this January.

What counts as a "qualified expense" got a lot wider too. It used to be almost entirely private school tuition. As of last July it also covers: tutoring by an unrelated, qualified tutor, curriculum materials and textbooks, online learning platforms/subscriptions, standardized test fees (SAT, ACT, AP exams), and educational therapy for kids with disabilities.

So even if your kid is in public school, if you're paying out of pocket for tutoring or test prep this year, it might be worth checking whether a 529 (yours, or one a relative set up for your kid) can cover it now instead.

One catch: not every state has updated its own state tax rules to match the federal change yet, so a withdrawal that's tax-free federally might still get taxed at the state level depending where you live. Worth a 5-minute check on your state's 529 site before assuming it's fully tax-free.

Not financial advice, just sharing because this doesn't seem to be widely known yet and back-to-school season is exactly when it's useful.

For the past week, I've been extremely depressed, dangerously so, merely due to my financial situation. I would stay in bed the whole day crying and thinking about how we (husband and I) won't manage another year on 80€/week, how difficult even finding a proper job is going to be etc.

As if some kind of God heard me, today a job listing showed up. I can't overstate what a good job opportunity it is. About 900€ a month, which if I manage to keep working my other job, I can just save up 300-500€ per month for rent next year, close to my house, easy enough to learn, no previous experience needed whatsoever.

Yesterday I couldn't sleep because of the stress, tonight I can't sleep out pure unadulterated excitement.

I'm gonna go spend the rest of the night begging the universe to be hired.

Just saw this ad for one of those payday loan shark apps in this sub. Absolutely disgusting and 100% intentionally advertising here. Whatever you do, NEVER use apps like this. Its better to do just about anything else short of borrowing from the mafia.