Edit: to clarify, I’m actively job searching!!! Literally every day. Finding a job takes time, it’s been two months for me.
Hey y’all. I’m in a financial situation, to say the least, and need help. Partially because of irresponsible spending, mostly because of the pandemic and becoming unexpectedly unemployed, I burned through my entire savings and checking accounts. My checking account is more than $-500, at the moment, and both of my $3,500-limit credit cards are almost maxed out, not to mention they both have ridiculously high interest rates. (NEVER AGAIN will I not read the fine print when signing up for a rewards card!)
I have unemployment income that will start coming through next week. Each weekly payment is roughly $200, so I’ll be able to get my account out of the red hopefully in a couple of weeks through that. But I still have bills that cost me around $500/month, not including rent and utilities. Thankfully I live with my partner and he isn’t letting me pay rent/utilities until I find stable employment, but he can’t afford to pay my personal bills too, nor do I want him to pay them!
This all said: what would you do if you were me? Right now my inclination is to come clean to my bank about my financial situation and see if they will help me work something out, maybe a personal loan or something. Idk. If that’s a bad idea, though, I’m open to any advice you might have to offer! (Fwiw, I bank with Wells Fargo and have for over a decade. Until the last month, I’ve always kept my checking in the green.) Thanks in advance!
Find a job, any paying job.
Write out a budget.
That should be enough to get you started.
*edit because of your edit: You need to re-evaluate why you haven’t found a job in 2 months. It could be anything from not applying widely/broadly enough to not being willing to do anything (legal) that will pay. You, unfortunately, don’t have the luxury of being picky if your situation is as serious as you describe.*
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.
Your bank most likely can do a one time reversal of overdraw fees. Don’t wait more than a month after the date the fees were applied. You will *not* qualify for any form of personal loan.
Go donate plasma.
Sign up for Grubhub.
Go work at Target.
McDonald’s or any food place is going to feed you each shift.
Go to a food pantry. Eat rice and beans for a month.
I’d be signed up at the temp agency and taking any work offered.
Why aren’t you at least working in a grocery store or Target or Walmart? Saw your other comment that you want a writing job because you have a journalism degree. That’s nice but you need MONEY. Go work.
Find some work asap, something fast and paid in cash like babysitting or housecleaning.
In your situation I would sell my plasma to try to get my bank balance back to positive numbers. Then I’d head to a temp agency and get a job. They can often get you working fast. You can keep looking for a better job while you work a temp job, or sometimes a temp job can turn into a permanent job. Either way it’s positive cash flow.
No sane bank will give an unemployed person a personal loan.
Edit: you might try to advertise yourself on Fiverr for freelance writing gigs.
Sysco is hiring. You will be out of debt in 60 days. Good luck.
Don’t get or get someone pregnant
Anyone in your situation should get a job.
Take ANY job!!! Search for the dream job for the time being. You need to work at least 50 hours a week.
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.
I wanted to say that I’ve kinda been in your shoes. It took me 3 months to find a job, but I was applying to everything, not just my “field.” I had issues getting hired even for $20/hour jobs because I was over qualified. No one wanted to hire me because they figured I would be leaving in a few weeks.
My current employer, hired me at the bottom of the totem pole, at $15/hour. Two years later and I’m making double that and still there. It’s not the income that I was making previously, but it works for me as a single mother so I stayed. I’m making half of what I was previously but I learned to cut back significantly and be more creative with my money.
Learn to budget really well, get out of debt and save as much as you can.
Best of luck finding something soon!
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.
Doordash, Home Depot, target
I’m pretty sure I heard something about Home Depot letting you get to work as soon as the interviews over
retail and service cannot find enough employees, you are overdrafting your bank, and you’ve not even started there???
You may find these links helpful:
– [Leaving a Job](https://www.reddit.com/r/personalfinance/wiki/leaving_job) (resigning, quitting, fired, laid off, etc.)
– [Job Loss Megathread: unemployment resources, state-specific information, and help](https://www.reddit.com/r/personalfinance/comments/fkyu8h/job_loss_megathread_unemployment_resources/)
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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.
How is it taking so long to find a job? My job was made redundant on Monday by Tuesday I had two job offers. Last day at the old job was Thursday and I start my new job Tuesday.
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 🙂
What do you have you can sell? Jewelry, household items, clothes…
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.
Having read this I thought it was very enlightening. I appreciate you finding the time and energy to put this content together. I once again find myself personally spending a significant amount of time both reading and leaving comments. But so what, it was still worth it!
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