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First thing is to learn to cook and stop using door dash. Second, see if you can figure out a better (cheaper ) way to get to work. You now have a car. Getting the front end alignment will be cheaper than Uber.
You have to start writing down every penny you spend and what it has been spent on. You need to know where your money is going before you can get control of where your money is going.
Agree with reducing convenience spending. Door Dash meals are conveniences. Uber/Lyft is probably a convenience. Would mass transit get you where you need to go? Carpooling? A bike? Shanks mare? A combination? Look around for a job that pays more per hour. Holding down two part time jobs that pay more per hour might be better than one that pays less. Find a job you can walk or ride a bike to.
Don't forget what it will cost you to drive the gifted car. It won't be free. Would you need to pay for its insurance coverage and any/all repairs and maintenance? Car ownership isn't cheap.
As for the medical bills, what's done is done. IIRC you've spent a lot of time and $ trying to get to the bottom of a nebulous, non-life-threatening issue to no avail. Can't you function as an independent adult despite it? Everyone has their private challenges to bear. I'm not trying to be unfeeling, but maybe it's past time to put that issue on the back burner and re-focus on the rest of your life.
Last edited by Parnassia; 11-22-2023 at 02:16 PM..
Best solution is to find a higher paying job that can be your career going forward.
RN could be that career but there are others in the medical field too.
A relative recently switched her career to MRI technician (I may have her actual title wrong) at her local hospital.
She had a good paying job but wanted less travel due to her kids.
She went back to college for a year, maybe a little longer, and got the credentials needed.
Yes you could stop paying more for food delivery but it's always better to aim for big goals, rather than saving nickels and dimes.
RN could be that career but there are others in the medical field too.
A relative recently switched her career to MRI technician (I may have her actual title wrong) at her local hospital.
She had a good paying job but wanted less travel due to her kids.
She went back to college for a year, maybe a little longer, and got the credentials needed.
Agree that pursuing a medical technician certification instead of a nursing degree might be more productive sooner. Plus, achieving something lucrative would be a huge boost to your confidence. Something that would probably benefit you in other ways too. Once you get your financial feet on the ground nothing would prevent you from getting a nursing degree in future.
This is not a criticism just an observation. The original post reads like it was written by someone autistic. This adds challenges to ordinary life.
Like other have said, take baby steps and start with the food situation. Stop the Door Dash and either take the time to cook for yourself or at least buy ready to eat foods at the grocery store which will cost a whole lot less than delivery.
1920
Less rent 300
=1620
Less util 120
=1500
Less travel monthly 400
= 1100
Less Cell phone 40$
=1060
Just stopping at the 1060$ tells me you have SOME funds coming in
to work with -
So with 1k a month - Perhaps 100$ is going to bring down your credit debt? ( provided you aren't using it but working to bring it down)
Still leaving you with $900 a month.
How much is your door dash coming to?
I don't see a financial rut so much as Locating where all this additional funds is being mishandled?
My cell is set at $15 per month- ( mint mobile) - but even if you go to consumer cellular at 20$, you still have made leeway in your monthly budget .
May I inquire what utilities equate to 120 contribution? Electric? Gas heat? Cable? Split that so it can be accessed for where to reduce- ? We reduced our electric consumption by lightening and appliance use.
ANyways - the math isn't adding up if you say you are in the red each month- As someone suggested set up your excel and every transaction involving funds needs to go on it to garner and idea of where to save and what is really going on with your "spending" portion.
Go to your college's people who help you find jobs. You might be able to find a lower level job in your desired area, to take while you continue to study. And it may pay better than your current job, plus give you insight into your future.
Health care needs lots of people to join the field and perhaps they will be in contact with the educators to both advertise their employee needs and to help the college decide which classes are most needed. It used to be the the records/application office might be able to make suggestions, as would your professors. Give it a try.
Learn to cook for starters. Can you ride a bicycle to work ? It might help improving your health at the same time.
Or use public transportation (take the bus).
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