this post was submitted on 11 Jul 2024
52 points (94.8% liked)
Personal Finance
3829 readers
4 users here now
Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, and get on top of your finances!
Note: This community is not region centric, so if you are posting anything specific to a certain region, kindly specify that in the title (something like [USA], [EU], [AUS] etc.)
founded 2 years ago
MODERATORS
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
That sucks. Sorry.
In your shoes, I would be shopping for a cheap beater car immediately. Put the word out among any friends.
Don't be afraid to buy a beater. You can make a beater get you reliably from point A to point B with YouTube and a cheap tool set from Harbor Freight.
Also, let your boss know what's up, if they're not awful. They may have a lead on a vehicle. As the boss, calling in a favor to help a team membsr buy and maintain a cheap car is a hell of a lot easier than hiring a new good team member.
And to answer your question, I'm well past that stage now, but back when I made $20 / hour:
I'm sorry you're dealing with this. I hope things turn around for you.
This thing about the budget is absolutely golden. I learned it from Dave Ramsey and I do the exact same thing. I have a budget that I've worked out and I do it roughly every six months to a year and I sit down and I say, I've paid this, I've paid this, I've paid that, I've paid that, I still need to pay that and it has helped tremendously. A budget can really show you where you are fucking up and can cut back. It's been an absolutely amazing tool and I would not want to automate it in any way because sitting down and doing it manually makes you see it.
Just be careful with Dave Ramsey's advice. He's good at getting people on track, but his investment advice sucks and he's way too obsessed with avoiding debt tools. But if you're in debt, he's really motivating.
Yeah, true. I listened to him on getting out of debt and focusing on that, even though I have very little debt and none of it consumer credit cards.