So, as of last Friday, I was already up to 20,000 in school loans that I have not started paying back, 3,000 that I owe my parents for a car loan and rent a couple years ago. And about 500 on my credit card after my last check. Things weren't terrible, but obviously they weren't great. That day I purchased a cheap iphone at Verizon because things were starting to look up.
That night, I swerved to miss a skunk, and hydra planed off the road through some bushes and trees and into a 10 foot drop and landed my car on its side in the middle of a pond/creek. The car is totaled.
I have insurance, but considering what I already owed, with insurance getting up and the difficulty of finding a reliable car in these times for an affordable price without a car payment is next to impossible. I have a month to find one, and have a full time job to get to. I have a month because that is the time I am alotted a rental car from my insurance.
The bad news is, hours are getting cut everywhere at my job and I am already one of the lowest paid people there despite being complemented on my work ethic and had my name tossed to the district manager for a possble promotion to another store.
The advice I am seeking, is how I am supposed to manage to pay all of this back, get caught up, and have a comfortable amount of money to actually work TOWARDS my future instead of paying for my past. At 7.75 an hour working 33 hours a week, I feel like I will be living at home paying back debt for the rest of my life and I am only 23 years old.
I would consider getting another job, but my place of employment has varied shifts and I can't ever be guaranteed that I would have a set schedule to work with another job. (Not including the difficulty of finding another job in this town.)
So what would you do? Have any of you any creative ideas of earning a decent amount of money on the side? I've considered selling stuff on ebay in an attempt to just get enough money to attempt to pay my parents and credit card off so that I can worry about school loans at a later time. But I don't really have anything worth money aside from a few junk star wars figures, some skeleton keys, and some other random junk that isn't in mint condition or even worth that much value.
I've considered trying to redevelop whatever miniscule amount of artistic ability I used to have to try and sell stuff on craigslist or etsy, but that just isn't a realistic goal unless you're a phenomenal artist. (Which I'm not.)
I'm truly at a loss. If only there was some magical cheap business idea I could come up with like these website tycoons that just develop a social networking site or phone app that turn into thriving businesses. But I'm not tech saavy enough for that.
Anyone have any similar experiences that they've overcame? Or any creative ideas that I haven't mentioned? I mean, I guess kidneys still sell for a decent amount right? What about selling some unborn childen at a bank? How much do they go for these days?
I am seriously starting to feel like a strung-out broke crackhead ready to do anything for a few bucks.