Love help: I don’t know how much longer I can deal with this. - Help.com

lady won’t be hiring because of the economy…

sorry i gotta go… i need to go cry some stuff out..

Neutra wrote:
You’ll be back later?

I’ll try.. :) Thanks Neutra *hugs*

Thanks guys..

Mas, I swear, I don’t even spend money… I only pay what minimal bills that I ABSOLUTELY have to pay with my credit card. I have 2 c.cards that I have to pay monthly. One of them is the major problem, which has $10K worth of debt, and works out roughly to be like $230/month. I had no problem paying it, until recently when money got tight because none was coming in. It’s been months since I’ve made money and I’ve been looking for a job with no responses, except this one particular dream job. Now, today I was devastated for 2 reasons, 1) dream job is now put on hold 2) I don’t have any job offers to hold me over and pay my current bills. I’m up to my last pennies… with bills due soon. Called the credit card company, they can’t do anything. I mean I can try calling again… I’m curious about the loan consolidation thing, but not sure where to go.. I guess I need to go to my bank? I get credit card offers everyday and sometimes loan offers, but I don’t qualify for anything to cover right now I don’t think. I need some sort of credit card offer that has like no payments for a month or 2.. lol… UGH! I don’t know where to turn… was hoping help.com had answers..

Neutra wrote:
Daisy, I was just wondering, can’t you just pay off alittle at a time, or do you have to pay it all in full?

Well.. my minumum monthly payment on the $10K is $230.. and I can’t afford it for the first time this month.

Yewdale8 wrote:
daisy, hold on, i’m moving out to Cali in August….come with meeeeeee….

I live in CA babe.. hehe where you moving to? I’m looking for jobs everywhere including San Francisco. You down? hehe

Shie wrote:
so sorry to hear of your situation.. have you thought about getting help through your local social services even just for now.. ?

i know its not something that you would want to do.. but sometimes we need that help and that is what its there for..

the only thing that i can tell you is that im sorry.. and to keep looking for a job.. but let the lady know that you are very interested and when she is hiring to let you know asap…

best of luck, hugs..

I’ll look into that I guess. I’ve never thought of that, but today (thank god) I got a deferment on my studen loan. Hopefully it won’t affect that.
Thanks! :)

seas light wrote:
usually fast food chains are always looking for help. Even if it’s a few hrs. a week until something better comes along. Heck, I even drove a cab at one point. lol…. Catholic Charities usually will give you some assistance. They also know of resources, that you may not be aware of. Good luck….

Yeah I’m looking everywhere.. a new McDonalds is opening up near me, so I’ll try there too.. Thanks! hehe

Mas1st wrote:
Daisy - you are looking for a card with 0% interest on balance transfers - after today in Wall street I dont think you are going to get it. But use this to your advantage. Dont call the companies - write to them. Ask for interest to be frozen until you gain employment and agree a small minimum monthly payment in the interim. Daisy they will take this offer as they are about to lose millions with what has happened today. If you email your nearest big town I’ll get some of my US recruitment friends to have a look for you - there are jobs there but it is who you know right now. Just let me know 6 things you would be able to do and I’ll contact some friends. I agreee with the other replies - drop your pride and take help from any source - be it food, clothes, it doesnt matter - if you can squeeze another person into your house - I dont care if you have to sleep on the sofa - do it. Let me know if you want me to have a look for you - Mas1st (Mas1st at live.com)

Mas who do I send it to? When I spoke with them, their whole story is they can’t help me. The lady mumbled something about my interest rates being lowered, and well, they charge me interest every month to my account, the problem is I just don’t have the money yet for this month’s bill. I actually have offers for new cards, some with 0% interest, the problem is that no matter where it goes, my monthly payment is going to be about the same, even if I did manage to qualify for a card with a higher limit. I need some way to put the payment off for a while, or lower it significantly. I like the idea you suggested… I just don’t know who to address it to.

As for the job thing, I’ll email you one of my main resumes. Thanks so much! I’m actually open to looking all over the US, and prefer New York City or San Francisco for a “career” type job. Someplace where it’s easy to get around… I don’t have a car.

email sent mas. thanks again.

Do any of you have any ideas on what I can say to her, to maybe try to change her mind? I know Mas you had some suggestions, I just don’t know if they’re feasible, because the job is across the country, so I couldn’t do it unless it was cost effective for me. I mean, I could try it I guess. Part of me does tell me though that maybe it just wasn’t the right time for me.

Florie wrote:
O’Daisy, I just saw your post and can’t write, right now! SF would be good because of the transportation. Or Portland. Is it still possible to declare bankruptcy these days? A drastic thought, but you’ve gotta LIVE. Please hang in there and imagine a good development. I’m opening my email thingy to you in case I haven’t. Back later. Bye :)

- Florie

Thanks Flor! hehe.. I’m looking all over! :) As for bankruptcy… FORTUNATELY I’m not at the point where that would be my option… I still have a lot of time hehe… I would only do that if things got really really bad, and my credit was already ruined.

Mas1st wrote:
Daisy - I know there are sites with template letters asking your Card company to freeze the interest (you just fill in your details) - I’m going to go and look for some. Sorry about the late reply - had an incredibly busy day and toothache - not a good mix. Will be back shortly with some links for you for the letters and suggestions who to send them to. I’ll check my emails now. We have the weekend so lets get started making a change here. - Mas

Thanks Mas.. I’ll try google too..

Hybrid Theory wrote:
wow, daisy. I’m sorry. =( I know that job meant a lot to you. What about NY, is that still open?

Thanks Zach.. I was sooooooooo bummed yesterday when she told me. All these emotions just started crashing down on me at once. NY is still there, for next spring if I get a job in my town where I can save up my money. If I get something in another big city, then NY may be put off indefinitely. Either way, I’m open to options right now. I’m trying to be realistic.

I do feel better today. San Diego is cool.. but not for me for what I want in the future. I need a place that’s easy to get around in, and has more job opportunity.

r12starie1 wrote:
thank you so much for your advice…funny thing is i deleted my myspace…deleted his number…cut and dyed my hair…we are like twins….among other things i am also in debt…i dont have a job and my family cant help :( i’ve applied everywhere and no one will hire me because of this wonderful economic crisis….the best advice i can tell you is not to stress out…i know i am the one stressing out and here i am telling you not to and not taking my own advice…easier said than done….but seriously dont stress out…tell this person you are the best for the job and you not only need it but WANT it…if they dont listen screw it…i know you will find something…you are so kind….even tho i dont know you…youre words inspired me to think about this in a positive light….i hope everything works out for you…really i do…and i know they will :) hang in there…we can do it…

Thank you so much! Your words are pretty encouraging also! :)

I’ve decided that the universe has bigger plans for me. hehe.. Good luck and don’t hesitate to contact me for anything.

Kagomechan88 wrote:
Oh that sounds horrible…not too horrible though because it sounds like beside the debt part the rest of your life is going pretty good! You *have* to keep your mind set positive, you have got to try your best to look at the bright side of this situation…it is a very very very hard thing to do but all you can do is try. Keep on trying. Giving up will hurt you and the rest of your family, if you push your way through this no matter the pain your going to end up a stronger and smarter person than you are now. And you’ll be happy in even more aspects of your life. I really wish you the best and I hope I helped alittle. I’m really naiive about money situations! but! You can talk to me if you need a friend. I’v been down the suicide road. :(

Thank you for listening and responding! hehe.. I really just needed to vent that day, I felt like apsolute crap and my heart was crushed because of not getting the job. I’m still hanging in there. All I can do is stay positive that i’ll soon be ok. Finding more job opportunities.. keep sending out my resume, etc. I’ve hit almost rock bottom, so really hopefully the only way I can go is up.

Good luck with your bf situation. I didn’t mean to scare you. Let me know how things turn out. You’re obviously attractive, and seem like a loving/caring person, so no worries in that department. If things don’t work out with this guy, you’ll find love again, don’t worry. I know right now it may seem like the end of the world, or cannot see your life without him, but sometimes it can actually be for the best. This was my case a year ago when my first bf/first a lot of things lol broke up with me after 4.5 years… it was extremely hard, but I over came it, and I’m much better off now. :) Good luck! Keep me posted!

julie_robinson0 wrote:
Thank you for the post…. I would tell her if it is not to late…that she could hire you on a temporary basis and if things did not workout you have the option of job hunting again for what you love to do.

Thanks… I’m considering it. The last email she sent me, left me thinking I should do that… so probably tomorrow I will email her. :)

Yewdale8 wrote:
i still gotta go talk to that financial counselour. hmm.

hop to it chick!