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Back to back panic attacks due to needing a car & no way to pay for it

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See! Im f*cked no matter what it is!
From a survival point of view, that's not real useful. (Just sayin'.)
A 2001 car with 195,000 miles on it that has had everything in the world go wrong on it isn't gonna last forever.
If it's really had everything in the world go wrong with it, it should last quite awhile. Seriously. Both of my vehicles have over 200,000 miles on them The truck I had before the current one had over 300,000 on it when I sold it and it ran just fine. Didn't use any oil, had only had the clutch replaced once...... All vehicles aren't created equal, of course. One option to consider is saving some money, but selling this car while it's still running and using that, plus savings, maybe plus a small loan, to get something else.
Done it once but was all word of mouth advertising
That's basically how I advertise my business too. I've got one online ad that's free, put up some business cards to begin with, but haven't really advertised at all in the last several years. Anything you bring in is something you can put towards the car. (I never asked the kid who works on my computer what made him qualified. I just explained the problem, he said he could fix it, and he did.)
 
I’ve been following along....

What if you started advertising your services online as a person who already works in IT and has done so for X years, but is in the process of getting additional certifications and building up a clientele? You’d charge less than those well established who already have their certs, but you’d be doing something to improve your situation.

Make cards. Does vistaprint still have cheap business cards? Leave them EVERYWHERE! Countertops, bulletin boards, etc. Idk what it’s like in the city, but here in small town America, people do a lot of advertising this way. If there is a place that has a bulletin board, make a bigger flier with tear off phone numbers.

It’ll take time, but I think you’ll find it sooooo rewarding once you start to build things up!

If my advice is bad, please disregard. I just see sooooo much promise in you! And yes I’m a bit in awe cuz I’m so not tech minded lol.
 
http://www.thesmartcrowd.com/about/workers/job-opportunities/

If you want to augment your income in a work-from-home situation, this company is solid. You’ll need to go through applying and being evaluated. The hiring process took about a month, last time I did it - which is a smart way for them to weed out the people who aren’t serious about it.

how in the hell can I save another 2 grand in a year when my finaces are strapped this low? That's the panic. I need some sort of plan that Im working towards

If you want to save the money, you’ll be able to save the money. I know that sounds harsh. I’m not trying to berate you, am trying to be direct and clear.

I’m going to give you a few reality checks - take what’s useful, leave it if it’s not.

1) Make a budget, on paper. Start by writing down everything you actually spend in a month. If it takes you a month to track it accurately, fine - or, go into your last months bank statements and write it all out. Food, meds, co-pays, gas, vape juice, pet supplies, splurges, unexpected emergencies - everything. Be strict about it. You won’t be able to truly see how to control spending short and long term unless you really look at how you spend money. We all think we can do it in our heads, but we are wrong.

2) Get realistic about what you can save, what you need to earn, and how to do it. Monetizing on YouTube - especially when when your thing is not mainstream- isn’t a realistic plan for income, nor is any form of niche crafting (making paracord things, etc). Don’t waste your time on it. And yes - if you have things you can sell for 10$ here and there, that ALL goes into the earning plan.

3) Teach yourself to shop for groceries economically. Googling the phrase “shopping for one on a budget” will give you many great articles. Not all of them are about cooking. Managing a food budget is a tough habit to get into but easy once it’s established. Important to remember: shelf-stable is good, frozen veg and fruit are just as nutritious as fresh, protein matters, and meal-planning is essential. I can tell you don’t know how to do this yet just based on what you say about your food choices. It’s ok, we’ve all been there. Just start teaching yourself.

4) You have a Dad who will help you out. Let him. I know you’re getting better at this, and I know it’s challenging for you. I encourage you, when you start spiraling into anxiety about all this, to remember that you do currently have a safety net. It isn’t ideal, sure - but safety nets never are. Accept that he’s there. Stop telling yourself he’s not.

5) Decide what you are and aren’t willing to tolerate. This is hard and it helps to have someone (therapist, forum) to talk it over with. My advice is that you turn it into a list somewhere, so you can refer to it when it feels like nothing is tolerable. Example: you’ve decided you can tolerate putting Chopper back on kibble. That’s great - and there’s a $ figure attached to that, too. You don’t tolerate living w/o a car. OK - that’s totally legit, and makes sense for your current situation. It also has a cost associated. If you can break your financial goal (save 2,000 in a year) into monthly chunks of saving and earning, you’ll better be able to see your progress, and you’ll also remember that you’re tolerating uncomfortable things for a purpose, and with and end point.

That was the advice-y part of my post.

Here’s some stuff that will probably be upsetting, because it’s going to
challenge your current assumptions and beliefs. I’m choosing to challenge them because I can see ways in which you’re justifying some helplessness and it’s really not going to help.

My opinion: the belief that you need a service dog for mobility is one that is not helping you right now. There are many options for mobility that you have dismissed, or said you’ve tried, or believe you are unable to try, or are unwilling to try. You are choosing a dog, which is one of the more complex and expensive options. And, you’re deciding you need a mobility dog when you do not honestly have a disability that justifies one.

Yes, you already said it’s not your top priority. But the belief that it’s what you need is shaping a whole lot of your beliefs right now.

Surgery causes nerve damage, yes. Backs are notoriously difficult to rehabilitate, yes. I’m not saying you don’t have pain or that your pain is not valid. I am saying that there is no apparent physical reason why you could not do more to rehabilitate yourself in order to mitigate your physical disability.

As you’ve explained it, your main barriers to physical rehabilitation are tied to your mental health disorders. If your therapist isn’t pushing you to work on those, consider asking him to.

What I’ve observed: Chopper is an excellent companion, and the time you invest in building your relationship with him is time very well spent. I think you have cultivated a dependence on him that borders on being unsustainable. You imitate a level of helplessness or disability, in order to train him to respond to it, and that is only reinforcing your own learned helplessness.

Now, you do generally seem happier in this mode - except for when the drama happens, and then, instead of applying coping skills, you spin out emotionally, call for attention, and that’s when the things that you repeat so often you believe they are true - thinks like, “I have no-one/no safety net” (except you do have your dad), “I can’t even walk” (except you can), “I can’t go out on my own” (except you do), “I need a big dog for mobility and all this expensive gear” (except you have other options).... of course, suddenly it all seems impossible. You’ve told yourself it’s impossible.

This is BPD, Lost. Your emotions shape your personal narrative, which depends on maintaining a state of crisis or need - and that then shapes your actions, which have real-world consequences.

You can decide you’re ok living with it. Truly. And you can come here when you’re in a panic and tell us all the reasons why no-one can help you, not even yourself. And people will be generous and try and suggest how to problem solve, and you’ll take those things on board or not.

But I wish you could look at the bigger picture, of how you’re relating to your health and your future. And as a fellow-member, I get frustrated watching you keep yourself stuck in certain things, and then watching you get incredibly defensive about them whenever they are challenged.

Also: I think the way you are complaining about resources going to vets is really just wrong, and deserves to be challenged.

You have PTSD. Yes. You have anxiety and dissociation. Yes. So, you’ve trained your dog to help you. Yes. I don’t think the world is challenging you in that or trying to take that away from you. Thanks to Chopper, you can do the things you believe you can’t otherwise do.

How on earth does that have anything to do with veterans having priority access to services?

You have trained your PTSD dog. You are all set. You are not unemployed. You earn enough to disqualify you from housing assistance. You don’t need a charity or organization to support your financial mismanagement/ misfortune, you need to learn how to be living on your own within your means. That’s all. You’ve never done it before. Everyone has trouble with this part. You’ll get through it.

You want financial assistance to get a mobility dog? Then get on disability. Get your papers in order. Once a court validates that you are medically disabled, then you can (probably) have access to services that people who are currently more compromised than you, need.

Not all disability statuses are equal. Not by a long shot. Not all PTSD is the same. It doesn’t all need the same access to resources.

In my observation, you’re trying to create a reality for yourself where you are more permanently disabled than you actually are, or even need to be, long-term.

Your most unmanaged diagnosis is the BPD. That’s what I see. You’d be more capable of responding like the adult, smart version of yourself if you had better control over the BPD. And, that includes being able to improve your physical situation so the daily living of life isn’t so painful/hard.
 
How on earth does that have anything to do with veterans having priority access to services?

I'm going to answer this first because as a veteran's daughter that has spent my life around veterans, I think I have a healthy sense of compassion and empathy and most certianly respect towards veterans.

I never said it is wrong to give to veterans. On the contray, I feel it is fully good and years ago I was watching documentries of veterans thrown into civialian life and just asked to deal then spinning into drugs and suicide. But, when I am calling asking for help and I am asked if I am a veteran and then when I say no but I have PTSD and physical challenges too and the place I am calling isn't geared towars veterans not advertise to be for veterans , I am told that I can't possibly have PTSD if not a veteran (by a service dog program) - which by the way I faught that diagnosis for months due to not being a veteran, and that I need to be a veteran family to get help with getting a car (by a car chartiy) that's not right! Most especially when they are not geared towards veterans with PTSD or veteran families. I am being told "too bad" because I am not a veteran. That isn't right. You may differ in that opinion but I am esstatic that as a country we are doing more for our military but I think us others are being fogotten and pushed aside with that.

You want financial assistance to get a mobility dog?

Never once did I ask for that.

Look, I appreciate the rest and will look at the link in the top but with all do respect

In my observation, you’re trying to create a reality for yourself where you are more permanently disabled than you actually are, or even need to be, long-term.

You do not know this. You only know what I type. You have no idea what I can and cannot do in daily life or how hard I struggle to do the very simple things in life.

I'm going to edit all of this out and say that just like it's not nice to advise someone that they don't need the wheelchair or store scooter they are in because they stood to get something from the top shelf. It's just as not nice to advise someone that they don't need a mobility service dog because on some days they can do things that they ask of their mobility service dog on other days. When I can I do and when I cannot I ask my service dog to help. Please leave the advising of needing or not needing a service dog up to the professionals. No one is in my daily life but me. My therapist and pain dr both are fully aware of what I can and cannot do. Have both been around the block 20 times trying to help me other ways. And both advised I need a service dog and for what reasons. I have a letter from both. I'm going to leave that there. This thread wasn't opened to debate on needing or not needing a mobility service dog.

I am also fully aware I have BPD. But I also have PTSD, agoraphobia (yep, you didn't know that as i never shared it), GAD, and severe mobility challenges due to an injury. Not everything is BPD related.

I appreciate the remainder of the advise. I would like to leave this opened as I truely need the support right now so I would appreciate that this would be left here. Thank you!
 
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I don't think you are whining or being difficult. Rent less than 1,000 a month is rare across the u.s. I practically fainted when I moved here because in all of the previous states i have lived, I have never seen a rental for less.

I think your fears are valid and there is no easy answer. It is scary to be in such a vunerable position without help, and you are far from the only person in your shoes. There is a real lack when it comes to help with transportation in this country, and very few locations where you can get by with out a car. Public transportation is very poor in most places and living with in walking distance from work is virtually impossible, but people who have never been in your shoes really don't get it.
 
Thank you @Fadeaway and I agree on all points. It's baffling to me how fast rent increases. Just 5 yrs ago it was $680/mo and now it's a grand a month for the same apartment? And income doesn't hardly move but maybe a dollar more an hour (total over all 5 yrs) which doesn't come close to covering that rent increase. I just don't get it. Is it that renters want just the well off and professionals to pay them rent? Good tenants are in all walks of life. Who cares if they are professional or not. Money is money

I've been asking around at work if the hire in wage has gone up yet. It was supposed to go up from $14.15 an hour to $15 an hour. If it's already gone up then that means it doesn't increase for those of us already working there. Which really sucks. If not then there's that, that will hopefully pull my wage up some. If it hasn't happened yet I'm not sure when it will though. I was only told this year. But that's something. I'm working my ass off on my proformance. Hopefully I get a promotion this year as well. Hopefully.

There is good public transportation system here thankfulltly (though takes 2 hrs to go 5 miles so is that the definition of good?) but the bus stops are just too far for me to walk. Just a few years ago I would walk across the street to the 7 story building I worked in 4 times a day everyday and now I can't make it even half way there without collasping. The bus stop is on the other side of that building. I'm trying to find something I can ride from bus stop to bus stop. Can't ride a bike but looking other manual options that maybe doable as all the electric options are expensive.

Public transportation should be a tad cheaper and more assesible in my opinion. There's a disabilty van that takes disabled to their doctor's appointments. I'm not sure if they also take people to work but that will call and see how to apply and how one gets approved for that, etc.
 

United States of America
No current openings.

ETA: I contacted them through contact us to ask them if anything will be coming available soon in the United States and that I was in desperate need to suppliment my income. That I would work any hours between the hours of my main job and work any role at all. Provided my email address and phone number. I doubt they will get back to me but wanted to try.

You can't work online jobs from other countries. I tried a company based in Austrailia to do match betting with bookmakers. Apparently that's much harder to do in the US.

Dropshipping is super popular right now but I can't make the intial payment that would be required to get started in that. That's buying something cheaper at a store or online, listing it on ebay for more money and then once purchased (as it seems most don't price research) you then have the item shipped to them rather then to yourself so you are never in posession of the item. Many how tos out there but, you have to be able to buy the item first and paypal also holds the first amount paid to you for a bit so that first amount is out of your hands for a while and I just don't have it. After that first amount you just use the profit amounts to buy the items but again, would need to be able to buy the first amount out of my pocket and I don't have it.

It's exactly like buying things cheap at say flea markets and selling them on ebay for more but you are never in possession of said item.

I've been really digging into ways to make any amount of money online as you can see. So, it's not something I have just looked into a bit. And making at least a supplimental income on youtube is doable as so many vloggers do and make good money (look at Logan Paul who likely has millions) but you have to be relivent and be able to appeal to a large audience and well, that is what I'm lacking.

Also, if $10 here and there is a big thing and if that matters, so would selling paracord projects with my current paracord that I already have. If I can get good at it. There are several sellers on Amazon and many on Etsy doing well. But, would need to get good at it and would eventually need more colors and other assessories. But, it's something in addition to my current income, and if I can bring it to work, I can make them while working my main job. They are unique and people seem to really be wanting paracord assessories to wear and for their pets to wear right now. Seems to be a big thing right now.
 
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So, spoke to my sup during our coaching today and was completely honest about struggling to pay bills. First I did find out that once the $15 an hour hire on comes, anyone below $15 will be moved up. I'm at $14.25 an hour so that's a pretty decent bump in pay when that happens. No one truely knows when that's happening but my sup thinks June or July at the moment.

Then we spoke about being promoted to TCP2. My next level up. That requires a scorecard that's averages 3.5 or above for 6 straight months. One month lower and it all starts over (which really sucks). My score card currently is at 3.5 but last month was 3.25 so we are looking as the soonest on that will be 6 months and that's if I can maintain 3.5. We spoke about how to get some stats better etc.

Lastly, I told him even 30 mins of OT a day would help. They do 30 min lunches (instead of an hour) but I already have a 30 min lunch. And they really aren't offering anything else. He asked when my start and end times were and said he would look into it. Not sure anything will come of it. But one thing I have always said about Charter, they really care about their employees and if you are struggling they honestly care as if you are stressed that's going to show in work preformance.

Anyway, we'll see how any of this plays out. OT would be best as time and a half adds up quick. Even if it's a short time like 30 mins a day.
 
I don't really know your situation. BUT, just as food for thought:

in some states, Medicare is amazing. Actually, amazing. Is it in yours? Is it actually cheaper to make less money and then have fewer medical bills than make more money but have higher medical bills?

Not to suggest that not working is ideal, but sometimes the math works out in strange ways. Just saying, it might be useful to think about.

And before you totally panic ..... I don't know about your state, but in mine, eviction isn't actually the easiest thing. So, you might be more secure in where you live than what you think. It might be worth checking out.
 
Orlando's lack of affordable rentals near top in U.S.

And for those that will ask, yes, I've been calling about all of the low income housing available. They all have a max amount you can make to live there under the low income amount or at all if the entire complex is low income. Most if not all is $24,000 - $25,000 gross. I make right around $29,640 gross. Really, it's a bit over that but averaged that's what you get if you do $14.25 × 40 (hrs a week) X 52 (weeks in a year). My W2s all have around that if not over that. So, not enough to pay bills and keep my head above water but too much for assistance. Also, my lease isn't up until Feb but I found this today and for those of you that are in disbelief that income can be this low but yet rent this high, there you go. I can't figure out why people keep moving here. It spoke about that. Why?

But just wanted to show ya'll that a grand a month is now on the low side of rent prices here. It's rather ridiculous if you ask me. That $11 an hour is average pay but rent is a grand a month. I don't get it.
 
1k is low for rent every state I have lived in. I remember back in the '90s in CA when the cheapest flea bag cockroach infested studio apartment was 1.5k now it's more than 2k. Oregon is only slightly cheaper depending on the area. Washington is about the same as CA. Montana we paid 1.2k for a duplex, of course In Montana people blamed all of the people moving there from CA :whistling:. Utah it was about 1.1k in the ghetto and at least 1.3k for a 1 bed if you didn't want bed bugs. Any thing less and bed bugs were promised upon signing the lease.

Sure, now that I am just outside of Detroit I can find places for cheaper, but did I mention, just outside side of Detroit!?
 
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