In debt, bank account is overdrawn, I have no money/am waiting on unemployment… what would you do if you were in my situation?

Boring_Lobster says:

Find any employment at all. You should be able to find something washing dishes or stocking shelves or fast food in less than 48 hours if you’re in a developed area.

If you can’t, start doing odd jobs. Check Facebook, Craislist etc in your area. Help doing yard work, cleaning, move outs, unpacking, whatever anyone needs help with and is paying cash for.

Blue_Skies_1970 says:

I’d be signed up at the temp agency and taking any work offered.

Missus_Aitch_99 says:

Find some work asap, something fast and paid in cash like babysitting or housecleaning.

RSRAMSEY73 says:

Sysco is hiring. You will be out of debt in 60 days. Good luck.

Snoo-40635 says:

Anyone in your situation should get a job.

oddlotz says:

The bank will wait a month or so before closing your account and reporting to ChexSystems. Most brick-and-mortar banks refer to Chex when you open a new account – and will deny a new account if you are in it. If you can’t pay your overdraft – open a new account at another bank or credit union before it gets reported to Chex.

kate404 says:

Do you have a car and do you live in or near a city? If so, consider charging scooters, driving Uber/Lyft, or Door Dash for quick cash. I did this when I was dead broke and it helped me keep my account positive and have enough money to scrape by while I improved my situation.

Great_Cockroach69 says:

retail and service cannot find enough employees, you are overdrafting your bank, and you’ve not even started there???

FlorenceandtheGhost says:

As others have said, getting a gig-work job like Uber or Grubhub, if you have a car, is probably the easiest way to earn cash fast (usually you can cash out daily). If you don’t have a car, Instacart hired people to bag groceries before they are picked up by drivers—the pay for that isn’t great, but there’s lots of flexibility. But with gig jobs you have to be smart not to get screwed over by taxes.
I have found these jobs can be fun because it feels a bit like a game, with quick reward.

I don’t think you have to necessarily scrape to the bottom of the barrel to find work, but I think you are going to have to find something that is not in your field (marketing writing) for the short-term. It means your job search for writing jobs will have to slow down, but this is the only way you are going to survive. If you can do some physical labor, a place like UPS (I have heard) is a pretty good place to work and you wouldn’t have to work with customers very much (working at a shipping center). I would think that, with your background, you could find a job doing front desk work (receptionist) at a company or doctor’s office. Those jobs are a bit less demanding (in theory), and will leave you with some time and energy to apply for other jobs.

Have you tried requesting a credit limit increase on your credit card? I am reluctant to suggest this because , as you know, taking on more debt is not a good idea—but you also don’t want to get stuck in an emergency with no options to pay.

ReddiGod says:

I was in a similar situation a decade ago, except I was flat broke, both bank accounts -500, 33k of credit cards, plus a few “payday loan” deals I found on the web. Here’s what worked for me:
1. Let the CCs default, they’ll ruin your credit for 7 years before expiring. Only one of the 10 CCs I had sued me for 3500 (Discover card), the rest just bugged me with emails/calls.
2. You’ll need to pay off your bank cuz they have their own “secret cr dit system” they all use to mark someone that screws them over, and you’re gonna need a bank account so just plan to pay that soon.
3. Lower your standards and get whatever job you can just to get going. I literally took a job picking up dog poop all day, took 3 months of that to get a better job, but at least it worked temporary to get me on my feet.
4. That’s it, now you can go on with your life lol. For me, when those $33k of CCs fell off my report I ended up buying a house the very next month lol, it was during the quarantine so I got ridiculously low interest rate and housing prices hadn’t exploded too badly yet, so the credit thing actually kinda helped me with timing things.

Nowadays things are so quiet, I make a very comfortable living as a business owner, I have 100k worth of credit cards I could use and I do put about $10k on them every month, but I also pay them off every month too so there’s no interest, I just do that to get the 2% Cashback which is a substantial amount of free money (in addition to fraud protection, etc, things a debit card don’t protect against)… So yeah, don’t worry too much about screwing off your credit, you can bounce back and 10 years from now be in a better position than ever before 🙂

banned-user-x1 says:

1. Downgrade your lifestyle => Rent a room in the shitty neighborhood
2. Eat rice or something cheap everyday (start practicing multiple fasting days)
3. Get any job, cleaning job are easy
4. Forget about your debt until your food is and place to sleep are secured.
5. Look back at the last 5 years and try to figure out all the things you fucked up to get you to this situation, without learning you are meant to repeat it.
6. Work like crazy no matter the pay, you brain should only be thinking about work, nothing about feeling sorry or buying useless stuff or having more comfort.

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