Oh F***!

I'm really scared. My boyfriend and I might not have his car or a place to stay after this month, because I don't have a job and he's had to take out payday loans for rent and stuff. Then, his account got overdrawn, so his bank won't let him take out a loan, which would help us get things back to good standing. But only if we get past this next month without losing what little we have now. And if we get kicked out, we'd both have to get rid of a lot of stuff whether we get money from it or not. And if my boyfriend doesn't take a class that costs $50 next month, he'll lose his current job too.

If we can get through this month (like if I get a job or my unemployment check), things should finally look up. But I'm not going to hold my breath at this point. If anyone has any ideas about how something we might be able to do. Neither of us are students, so a student loan probably won't work.

i'm sorry to hear that... unfortunately, i'm in a similar situation - cookie is losing job and apartment, i barely earn enough for two, and the car we wanted... well, it just won't happen.

i wish you all the best!

Well, now it looks like if we keep the car at least, we can get to Utah, where my boyfriend's dad lives. The only bad thing with that is his dad and stepmom are Mormon, and neither of us are. Not that we have anything against that, it's just not our lifestyle/religion.

I wish you both all the best. The economy everywhere is in the crapper. I know Mormonism isn't your thing, Vampyre, but if your boyfriend's dad loves his son and respects at least him (and preferably both of you), then he'll understand and not try to force his beliefs on you. Of course, if you live with him you might be stuck with no tv, etc. (depending on what "level" of Mormon he is). Just remember, it's better than living in a box.

Seraphyna Wrote:I wish you both all the best. The economy everywhere is in the crapper. I know Mormonism isn't your thing, Vampyre, but if your boyfriend's dad loves his son and respects at least him (and preferably both of you), then he'll understand and not try to force his beliefs on you. Of course, if you live with him you might be stuck with no tv, etc. (depending on what "level" of Mormon he is). Just remember, it's better than living in a box.

Actually, a cardboard box can be quite comfortable with a little fung shui.

The best of luck with your situation. It's a sad state of of affairs currently, let's pray that with a little hard work and ingenuity, we can all pull through it, especially those of us in worse standings than others.

Being forced to move out of your home and into someone else's is never ideal, but like Seraphyna said it is better than a box.
I hope things get better soon for all of you who are having a rough time right now.
Things are no better in the UK. Politicians say things are improving, but I've a feeling that's more propaganda than truth.
Scary times.

1) If money is tight, do NOT NOT NOT NOT NOT take out any kind of loan to help with bills. Not even rent. One out of a million times it will work; every other time it will screw you over far far worse than if you hadn't.

2) As a tenant you have rights. Even if you miss rent, the chance of you being evicted that day (or even that month) is very very low. Details of course depend very highly on your jurisdiction, but even a notice to quit isn't a spell that magically kicks you out on expiry. Talk talk talk to your landlord.

Without knowing any more details I can't really make any suggestions, but please keep in mind the above. Before the recession got me and my job (in an ironic turn of events), I made a living kicking people out of the houses they lived in, bankrupting people, forcing people to pay debts . . . and, of course, when I was working for the other side, preventing the above from happening.

Specifics vary, but those two points above are extremely important. I can't emphasise that enough. Taking out a loan when you're already in financial difficulties has one effect and one effect only: putting you in more financial difficulties. Even payday loans, because they just mean that you end up getting less pay in your pocket (when what you had in the first place wasn't enough).

If you want more specific help or advice (sometimes hard to tell if people want that or just need to vent and such) feel free to PM me. Debt management is my thing. One year I was personally responsible for something like 25% of repossessed houses in my entire country - that leads to a hell of a lot of insight into how people get into bad trouble, and how they could have avoided it.