[Aviza]

I'm very bad with money, I spend as if I'm a milloinaire is what my mother says. I was getting disability and working full-time, 2 jobs for a while, and had money rolling in.

Well I claimed wrong on taxes and owe about 1100 back. I was over paid in disability by 5 grand and owe that too. I was fired from my 2nd job for making too many mistakes, I think it was poor training honestly, but that's a mute point.

I have a temp job that's ending in 3 weeks and nothing yet lined up. Taxes are due the 15th of April, my job ends the 12th! I'm so far gone, I don't know what to do. I live with my mother whose a money monger, I want to move out but she makes it really hard to. I pay her minimum $650/mo plus expenses (food, internet). I will tell her I have no money for groceries and she'll buy them anyway and say I owe her half.

I only make $13 an hour and I'm broke! I was living high off the hog last year and since realize I cannot do 2 jobs with my condition, I honestly don't know what to do and am hiding in the sand because I'm so scared.

I even have student loans, insurance, just everything is due right now and I only get a measley paycheck from one job now and under the best conditions it doesn't cover my monthly expenses because gas is so damn high. I drive across town 45 minutes to get to work, and of course 45 to get home too. That's 100 miles a day! I've tried looking closer, no luck. I want to move but my job ends in 3 weeks!

I so need help I don't even know where to begin.

[Travelinglady]

You are in a dilemma. I know there are some programs where you meet with someone and can have your debts worked out, so the places you owe might be willing to work with you. Or you might be able to at least ask different places you owe if you can work out something until you get back on your feet. Is there a Social Services agency near by? Maybe you can call them. Some churches might give money (usually a one time deal) if you meet certain criteria.

I guess your mother is not willing to work with you because she saw you being frivolous with your money and thinks you should suffer the consequences.....

[BlueInanna]

Well about the taxes you owe, call them and be prepared to hold for 10-50mins if IRS. Ask for a monthly payment plan, call way before the 15th. I have to do this I owe $9k and have $60 to my name supported 3 kids on my own lol. I owe because I cashed out a pension plan early trying to save biz, no return on it yet. But I need to call IRS and state franchise tax board and arrange pAyment plans, dreading the calls but must be done.

[Perna]

You aren't bad with money, you are not taking responsibility for yourself and your actions; how could you be on disability and working two jobs? You can't play forever and I don't see you being able to move out of your current low-cost situation with your mother anytime soon. Get your official debts in order and paying on them (and/or you could go to jail), try to negotiate a signed agreement with your mother to pay some after you move out/in a couple years instead of now and work hard to clear up this mess you made so you are able to move out/on.

[-jimi-]

Even if you live with your mom you are grown up. Something most people can cut down on is food cost. Put your foot down and tell her from now on you do not eat together and you will purchase your own food. Buy only what is CHEAP. Don't take her food, even if she offers. Just say no. That can be the first step to your independence.

[avlady]

i can't believe your mom asks for soo much of your money in the firt place, it sounds like you were on your own before, can't she see you've been successful at that jump before? A little help or alot of help from parents isn't a bad thing, maybe she just wants you to be on your own for your on good? Maybe I'm a bad mother, but I have a son an I would never even think of making him pay that much, if anything to have a place to stay!! I will pray for you!!!

[-jimi-]

I was thinking that too but then I don't know the living arrangements. If the place is very expensive then sharing is fine. But if it's nothing special and if it doesn't cost very much for the mom then of course it is insane. But I also know in some cities and some places renting and the such is incredibly expensive.

I would personally NOT pay that much renting a room in someone else's home, just no way.

I don't know if those you owe can arrange paying over time. But it is worth checking. Then you could have that paid off after a while. And if you don't know how to budget, please do learn. What is scariest when in debt is to start digging into things and see who you owe and how much and stuff, but if you do and if you get a good grip on it, half the fear will disappear. Never ever avoid opening bills and that stuff. Once that happens you are in a downward spiral where you don't want to know. Here, structure is almost everything.

Sometimes jotting down numbers doesn't do it. Before money was just numbers, it was easier to handle, so if you need visual aids like drawing money or using "monopoly" money for planning, don't feel ashamed. Sometimes we need something tangible.

[anneo59]

Originally Posted by Aviza

I'm very bad with money, I spend as if I'm a milloinaire is what my mother says. I was getting disability and working full-time, 2 jobs for a while, and had money rolling in.

Well I claimed wrong on taxes and owe about 1100 back. I was over paid in disability by 5 grand and owe that too. I was fired from my 2nd job for making too many mistakes, I think it was poor training honestly, but that's a mute point.

I have a temp job that's ending in 3 weeks and nothing yet lined up. Taxes are due the 15th of April, my job ends the 12th! I'm so far gone, I don't know what to do. I live with my mother whose a money monger, I want to move out but she makes it really hard to. I pay her minimum $650/mo plus expenses (food, internet). I will tell her I have no money for groceries and she'll buy them anyway and say I owe her half.

I only make $13 an hour and I'm broke! I was living high off the hog last year and since realize I cannot do 2 jobs with my condition, I honestly don't know what to do and am hiding in the sand because I'm so scared.

I even have student loans, insurance, just everything is due right now and I only get a measley paycheck from one job now and under the best conditions it doesn't cover my monthly expenses because gas is so damn high. I drive across town 45 minutes to get to work, and of course 45 to get home too. That's 100 miles a day! I've tried looking closer, no luck. I want to move but my job ends in 3 weeks!

I so need help I don't even know where to begin.

Seems hard to see now, but in future, do your best and try to come up with new plan going forward. From one who knows and understands, and hang in there!

[anneo59]

Originally Posted by BlueInanna

Well about the taxes you owe, call them and be prepared to hold for 10-50mins if IRS. Ask for a monthly payment plan, call way before the 15th. I have to do this I owe $9k and have $60 to my name supported 3 kids on my own lol. I owe because I cashed out a pension plan early trying to save biz, no return on it yet. But I need to call IRS and state franchise tax board and arrange pAyment plans, dreading the calls but must be done.

Absolutely, don't put it off. Sooner the better, and usu there is some kind of installment plan or maybe a legal alternative for you. The best!

[anneo59]

Originally Posted by Perna

You aren't bad with money, you are not taking responsibility for yourself and your actions; how could you be on disability and working two jobs? You can't play forever and I don't see you being able to move out of your current low-cost situation with your mother anytime soon. Get your official debts in order and paying on them (and/or you could go to jail), try to negotiate a signed agreement with your mother to pay some after you move out/in a couple years instead of now and work hard to clear up this mess you made so you are able to move out/on.

Hi, What Perna said!

[anneo59]

Me, too, I can relate with your sentiments. However, this young person must and I do believe can manage somehow even with a parent not quite as understanding. Suggest listen to what older folks say, who express some care and experience. Then decide and follow thru!

Originally Posted by avlady

i can't believe your mom asks for soo much of your money in the firt place, it sounds like you were on your own before, can't she see you've been successful at that jump before? A little help or alot of help from parents isn't a bad thing, maybe she just wants you to be on your own for your on good? Maybe I'm a bad mother, but I have a son an I would never even think of making him pay that much, if anything to have a place to stay!! I will pray for you!!!

[anneo59]

Originally Posted by jimi...

I was thinking that too but then I don't know the living arrangements. If the place is very expensive then sharing is fine. But if it's nothing special and if it doesn't cost very much for the mom then of course it is insane. But I also know in some cities and some places renting and the such is incredibly expensive.

I would personally NOT pay that much renting a room in someone else's home, just no way.

I don't know if those you owe can arrange paying over time. But it is worth checking. Then you could have that paid off after a while. And if you don't know how to budget, please do learn. What is scariest when in debt is to start digging into things and see who you owe and how much and stuff, but if you do and if you get a good grip on it, half the fear will disappear. Never ever avoid opening bills and that stuff. Once that happens you are in a downward spiral where you don't want to know. Here, structure is almost everything.

Sometimes jotting down numbers doesn't do it. Before money was just numbers, it was easier to handle, so if you need visual aids like drawing money or using "monopoly" money for planning, don't feel ashamed. Sometimes we need something tangible.

Definitely what Jimi said!!!!