Personal Life Getting In The Way Of Coaching

How much of your debts are you personally tied to after a bankruptcy

Your credit is going to be screwed regardless, so I wouldn't worry about that.

You need to start looking up Dave Ramsey books. I'm not his biggest fan on investing but you're a long ways before worrying about that.

I'd say the car needs to go and you need to be talking to the credit card companies about cutting the payments or you're going to default on them.

You can buy a 500 or 1000 car. It won't be great but you need to get out of that loan, if it's going to make you homeless.

I have $123, and it'll be about $40 by Monday. And can't get any loans. I wish I could afford a junker, but I can't even afford that.

Good news on the student loan is that they can't repo your college education, all they can do it call a lot and be angry and jack up your credit, which is probably already shot so 'eff em. Any chance you can get a roommate to help offset the cost of rent? I think there's an app for that

sounds like you'll have to table coaching for a while until you get your finances under control. If it's available where you live, drive Uber or deliver pizzas at night, there's a service in my area called shipt (sp?) where you grocery shop for people and deliver it to their houses, seems like a decent little side hustle, they make a bout 20 bucks an hour or so I hear. Your gonna have to work like a dog for a long time until you get back on solid ground. Anything else you know how to do? build decks? mow lawns? donate plasma? young enough to join the coast guard?
failing that.....they are always looking for reliable drug mules near the border, so there's that.
I kid...but seriously that sucks man. Hope it works out for you, good thing about coaching is that you get to make contacts with a lot of people in your community, sucks to ask but if any of your players dad own a business you can always inquire about any side work you can get from them...but then you gotta start the kid on friday night

You already know what you have to do.

Take care of business so as not to ruin your personal credit and your ever so important, character and dependability.

You never want questions out there about taking care of your responsibilities. Eventually, important people will ask.

Football will always be there and can welcome you back when you're ready. Do as you tell your players...Get it DONE!

there's more money in the illegal side of the border war...but probably more stability on the patrol aspect...good call, unless you're a crooked border patrol agent (light bulb)

seriously man I don't mean to make light of your deal, good news is you aren't likely to starve to death, can you move back in with mom and dad? no shame in saying no because I definitely couldn't have in the same situation. 
My financial advice is typically horrible, but I wouldn't pay anything on student loans or credit cards until I got my living situation straightened out. They'll threaten you with all kinds of stuff but there's no such thing as debtors prison....eventually they'll negotiate down what you owe, better for the bank to get something rather than nothing, but that's a problem for a different time. 

once you get clear of all of this...follow the advice my father gave me (that I didn't listen to).....Marry into money

Tough times happen to all of us.  That's life.

I had to take a two year break from coaching once...deaths in the family making me a single father of two minor children...and a serious surgery.  You can make it back into the profession, and do it right.  Bankruptcy cheats your creditors out of what they're entitled to.  If you can avoid that its a feather in your cap.

This May I had to buy a new car.  My last one was 20 years old.  My credit rating is 814 and everyone was falling over themselves trying to get my business...but a score like that doesn't come in a Cracker Jacks box.  You have to take care of business and that means sacrifice.

So...what's your reputation worth to you?

Can't say I have any friends that would let me stay at their place. Pretty lone wolf here outside of my GF.

I don't know if you ever use reddit but you might get some good responses if you post the details of your situation there. They have a board called r/finance where lots of morons and a few people who know what they are talking about will try and help out people with money problems. Might get some good insight there.

Yeah. If you can't pay with cash, you don't need it.

About 15 years ago, my wife hurt her back and couldn't work. Lost half our income and had 3 kids all under 4 years old. First thing we did was cancel every credit card. Also got rid of luxuries. No more satellite TV. No more case of beer or bottle of whiskey for college football games. No more going out to eat. Hell, I think all I ate for 6 months was ramen noodles with scrambled eggs and Tuna Helper!

It sucked but we slowly paid down debt and learned to live without credit cards.

Agreed. But even cutting back as much as possible, I still can't pay my bills.

I would file for bankruptcy LONG before I became homeless. Your credit is going to be screwed anyway so you might as well get that ball into motion. My mother was drowning in a debt about a decade ago and filed for bankruptcy and she walked out in a much better place, emotionally and financially because of it.

Honestly, I didn't coach last fall because I was trying to get my personal and financial life in order following a divorce. I wouldn't have been worth a chit as a coach last fall if I had joined a staff because my personal life was in the toilet. It sucked because coaching has always helped me keep my head straight and given something to focus on but I knew I wouldn't do anyone any good at that time.