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Struggling Financially
22/f
Last year after my mom passed away, I moved out to another state and moved in with my older brother. I had bought a new car last year, so I make payments twice a month.
I got my dream job as a flight attendant and moved to another state by myself.
So I pay my phone bill, my car payment, insurance, rent, utilities and I'm just finishing up the double deposit on my apartment because I didn't have a cosigner.
I am really struggling. I don't have much food in the house. I have to change my registration to this new state so it'll be around $400 and when I moved, I used my credit card for almost everything because I didn't have any money when I moved. So I'm working on paying that off as well.
I've been working as a flight attendant for 5 months now. I need advice on other ways to make money. Right now, I'm still an on call flight attendant and get paid for the hours I'm on call as well as when I'm flying.
I need help with budgeting because I really need to eat better. Are there other ways to make extra money in the mean time? I don't have much and I would usually go to my mom for things like this but I don't have her anymore.
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Having worked for an Airline as a gat agent for many years I know life as reserve F/A is not the life you counted on but it does get better. In all professions one must pay their dues and being in reserve is how you pay yours. soon you will be able to bid for fights on a regular basis and you will be able to get a better handle on your finances.
To start with I'm not sure what you are saying here; "so I make payments twice a month." Are you making two full payments twice a month, two half payments twice a month or one half payment twice a month. If you are doing anything but making one half payment twice a month you can stop those extra payments until you can better afford to do so.
The only reason to pay more payments then are due is to pay the loan off sooner which is nice if you can afford to do so but you should not go hungry doing so. By law a loan company can only require you to make one payment a month. Now that payment can be broken down in to weekly, bi-weekly or monthly payments. If your loan company is requiring anything different it is an illegal loan and there is remedy at l aw for this by contacting your state or local office of consumer protection or affairs.
If you have been making double payments to pay the loan off sooner you could ask the loan company for some for giveness in payments until the loan catches up with your payments.
As for finding a part time job and being on reserve for the airline I don't see them working well together. You have to be available at the airport so many days at certain times and on call at others. This is very hard to work a schedule around.
If you want I can help you set up a budget. Contact me in private with a list of what you must pay each month and what your average take home pay is. Include just the one payment a month for your car not multiples and I will attempt to put a budget together which includes food for you.
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I just want to say good for you. You got your dream job and you are making it, despite the problems in your way.
When i read your post it reminded me of a time in my life, and it made me proud of you. You are not letting things keep you down. I am here to tell you its hard now but it gets better.
I feel you pain I have been there. I had to live of of Rice, eggs, roman for a while. It is rough. When budget is tight food in always the first thing to go.
I am sorry to say I do not have any great advice for you. Get a lot of hours and get raises. Over time you will pay thing off and over time you will get more and more money.
See if you qualify for food stamps, you may be suprised
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