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felipeforte@lemmygrad.ml

I'd appreciate a little advice (lemmygrad.ml)

submitted 3 days ago by SovietCinnamon@lemmygrad.ml to c/comradeship@lemmygrad.ml

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Hey there

I sincerely hope all me comrades are having a nice day

I've been in a somewhat not amazing situation for quite some time (not best mentally, in transitioning and unemployed again), thought I'd ramble a bit and ask for a little advice. I despise almost every job I get and years of constant stress are ruining my physical and mental health to the point where I struggle to keep on going at all. I don't want money from anyone here but I'm trying to figure out how I could fill my budget before I stabilize a bit more and will be able to keep a job which should happen later in the summer.

A friend suggested a free psychological counseling available here where I live which might be a good start.

I'm getting a little bit of income that pays for ~40% of my room rent and receive some help from the family (mostly food). I generally stick to intermittent fasting and get ready to sell some music gear I don't use much. I used to make some small money doing side gigs (physical labor) or constructing a tiny website here and there but I'm not an experienced developer and it shows so can't do it professionally. I found learning python and c++ fun btw (clears my head from worries (: ) but it seems I have to sort out adhd stuff to think about rebranding seriously.

Generally if anyone has any ideas how I could earn or save some extra cash to deal with a small crisis, I'd be very happy to read some advice.

Hugs

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[–] FishLake@lemmygrad.ml 3 points 3 days ago (1 children)

This is not really advice about saving money per se, so this might not apply to you. Plus it’s very US specific.

In lieu of having money in an emergency fund, having access to better loan terms can be life saving — at least in the short term. One way of doing this is building “good credit” or repairing “bad credit.” The bigger your credit score number the better access to favorable loan terms you can get. So here’s the very general advice I have:

Keep paying debts if you have them to the best of your ability. It doesn’t hurt to ask lenders for forbearance or debt forgiveness. Sometimes (rarely) it works.
If you have credit cards, pay statement balances in full, if you’re able. If you don’t have any open lines of credit, get a secured credit card from a bank (this is essentially a debit card that pretends it’s a credit card).
If you have debts that have gone to collections, either fight these collections or pay them. This will require a lot of time on the phone and being a bit confrontational.

The “how” of doing these things varies a lot. Feel free to PM me if you’d like assistance. And this goes without saying, but all of this very silly and no one should have to play this Calvinball style economy system, which is designed to keep you paying debts forever, but here we are.

[–] SovietCinnamon@lemmygrad.ml 2 points 2 days ago

I don't live in the US (I forgot it's always assumed until stated otherwise...!). It doesn't seem drastically different than how it works in my country but I can't be sure, I avoid loans like my life depended on it. Thanks for the advice though