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Post by joris85 on Sept 14, 2017 15:53:12 GMT -6
+1 on Dave Ramsey. A friend of mine was in the same boat as yourself a couple years back, he followed Dave Ramsey's plan and got it turned around.
Right now that friend of mine is a "Financial Peace University" coordinator and helps others getting back on track. If I'm not mistaken, there are online seminars as well. PM me and I can see if I can get you in touch with him.
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Post by dubber on Sept 14, 2017 18:21:00 GMT -6
Uh, this is going to seem harsh, but it is time to stop being a victim.
There are DOZENS of solutions that come before "aw shucks, guess I'm homeless".
You know what they are, pick one or more and do it.
Student loans can be deferred/forebeared. Credit cards can be negotiated. Car loans can be discharged.
You can get work doing something.....anything.
No reason a 24 year old can't make it, unless he doesn't want to......
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Post by sweep26 on Sept 14, 2017 21:23:25 GMT -6
There are people looking for "a few good men"...for several reasons, the Military just might be an option that you should look into.
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Post by coachd5085 on Sept 14, 2017 22:11:19 GMT -6
Ok, this will probably seem much more harsh than dubber 's post, but I think not only do you need to stop being a victim, you need to GROW UP. I mean, correct me if I am wrong but according to your posts here you " Had a "scholarship" (which they don't give ) to go to an Ivy League school for football, but then hurt your knee and sulked and your grades dropped below admissions standards You posted frequently asking for advice while you were attempting to play college football because you were certain if you were played in the correct position you would make it to the NFL. You were an exercise science major, you claim to have been a Law Enforcement Officer, you have extremely strong opinions with very little experience to support them (particularly regarding offensive football, and training large group of HS athletes) and you are on the verge of a mid season departure from your 2nd team in as many years... Guy, go back home, live with parents and mature a bit.
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Post by jg08mhs on Sept 15, 2017 4:46:24 GMT -6
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 Moving back home is an option, but not sure it's one I'd take. I'd first go homeless. There's a certain shame that comes with it at my age (24 1/2). Thought about not paying my credit card bills and others, but hope it doesn't come down to that. Are you worried about pride or are you worried about digging yourself out of the hole?! If I had the option to cut out rent for a while to get back on my feet, I would jump at it!
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Post by jg08mhs on Sept 15, 2017 5:20:01 GMT -6
Edited (had veered off on a tangent). If coaching needs to take a back seat, do it. When you get back on your feet, then try to get back into coaching.
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coacht
Sophomore Member
Posts: 221
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Post by coacht on Sept 15, 2017 7:27:27 GMT -6
Agree with most people here. Suck it up buttercup. 1. Liquidate the car. 2. Consolidation??? 3. Lay down your pride, if it's as bad you're saying then move back home and get your ch!t together.
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Post by fantom on Sept 15, 2017 7:37:32 GMT -6
1. For those suggesting getting rid of the car, there are places where if you don'y have a car you can't get anywhere. I am curious what his car payment is.
2. For the OP, you'd rather be homeless than live with your parents? Are you nuts? You're looking for better jobs? Good luck if you don't have a mailing address and can't shower regularly.
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Post by spos21ram on Sept 15, 2017 7:43:07 GMT -6
I'd go live with my mom in a heart beat and she would love it if i did. She's always on me about not going to visit enough.
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Post by natenator on Sept 15, 2017 8:07:31 GMT -6
I think the title of this thread shows where the problem is.
Personal life getting in the way of coaching? Sounds more like coaching is getting in the way of personal life and everyone, but you, recognizes it.
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Post by StraightFlexin on Sept 15, 2017 8:17:22 GMT -6
I was expecting to read something about someone with 5 kids, a demanding wife, and sick parents.....
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Post by 19delta on Sept 15, 2017 9:08:17 GMT -6
It's easy to get into trouble... Hell...how many people walking around are just 1 missed paycheck or maybe a serious injury or medical condition away from financial catastrophe?
With that being said, obviously something has to give. If you don't have friends who will take you in, there has to be some family somewhere, even if it isn't your folks. If you have someone willing to take you in until you can get back on your feet, offer to help out around the place... Do the dishes, fold the laundry, mow the grass. Not only will that make the people you are staying with appreciative, but it will make you feel better that you are doing something to contribute, in whatever small way.
Regarding jobs... They are out there if you are willing to widen your net and, at least for the time being, lower your expectations. When I got out of the US Army in '99, all I could find was a part-time job as a gas station attendant and full-time 3rd shift work at a factory through a temp agency. Was a pretty big step down for me. When I was in the Army, I was an "important" guy... Was responsible for a $2 million armored vehicle, weapons, classified equipment, and 3 subordinate soldiers. Had to swallow my pride a lot when I took those jobs.
When you are in the spot you are in, what you WANT to do becomes secondary to what you NEED to do. And no doubt...It can be hard to ask for help. But, there is no alternative. If you do nothing, you are going to be unemployable with bad credit before hitting 30. That's no way to start out your life.
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Post by wingtol on Sept 15, 2017 9:34:01 GMT -6
Ah hell....
This really isn't helping with the stereotype of the younger generations being whinny self-serving know it all don't want to work hard for anything brats.
You're 24 suck it up and work your ass off at anything to dig yourself out of the hole. Work two, three jobs if you have to not like you have a family waiting at home and at your age you should still have a higher energy level than us old dudes. Put it to work. "I'm just gonna go homeless _ it" is the exact opposite of what, I would hope, you would tell your players. WORK HARD MAKE YOURSELF BETTER!!!! FIGHT THROUGH IT AND DON'T QUIT!!!!! Practice what you preach.
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Post by nicku on Sept 15, 2017 12:45:34 GMT -6
Drop your pride and move back in with your folks if that is an option. I am living at home right now myself. I am the same age as you, so I get the desire not to rely on them. But simply put, I'd be screwed without em right now. I plan on moving out once football ends and I have some money, but for now I'm taking advantage. Even with the gas of a 30 minute commute each way I am saving a lot.
This is my first year as a full time teacher and coach. I haven't even gotten paid yet. Yet I am still making $400 a month in student loan payments and keeping control of my credit debt (a negligible amount, kinda have to use some credit when I don't have an income yet, but it will take less than a tenth of my first paycheck to pay it off). Get a summer job, mow lawns, bartend/bounce, tutor kids...there is stuff to be done, man. Idk where you live, but here in DFW there are more job openings for construction laborers than they could ever fill. I am willing to bet you could work until next school year (a job or two), buy a cheap car to get you on your feet, find a place to live, and be on your feet enough to keep coaching if you want.
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Post by coachd5085 on Sept 15, 2017 23:23:48 GMT -6
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 Moving back home is an option, but not sure it's one I'd take. I'd first go homeless. There's a certain shame that comes with it at my age (24 1/2). Thought about not paying my credit card bills and others, but hope it doesn't come down to that. Just have to say that the highlighted part of your text falls inline with many if not most of your posts involving anything but scheme--that is to say you absolutely seem to always be worrying about the WRONG THING.
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Post by CS on Sept 15, 2017 23:48:42 GMT -6
Moving back home is an option, but not sure it's one I'd take. I'd first go homeless. There's a certain shame that comes with it at my age (24 1/2). Thought about not paying my credit card bills and others, but hope it doesn't come down to that. Just have to say that the highlighted part of your text falls inline with many if not most of your posts involving anything but scheme--that is to say you absolutely seem to always be worrying about the WRONG THING. Is there less shame in being homeless?
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Post by 19delta on Sept 16, 2017 6:55:21 GMT -6
Just have to say that the highlighted part of your text falls inline with many if not most of your posts involving anything but scheme--that is to say you absolutely seem to always be worrying about the WRONG THING. Is there less shame in being homeless?
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Post by utchuckd on Sept 16, 2017 7:04:17 GMT -6
You got 4 people in a 2 bedroom apartment and can't cut the rent. While you have an outgo problem, you're biggest issue is your income. And that's not gonna change til you quit finding reasons you can't do this job or that job and just go to work. There's jobs out there, be willing to go do one for a while until you get it under control. You can do anything (menial jobs, multiple jobs) for a year or 2, as long as you have a plan and a goal (budget, debt free life). Just go do it brother.
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Post by 53 on Sept 16, 2017 7:11:54 GMT -6
I have a feeling you waste a lot of money on things because you care what people think of you to feed your self esteem
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Deleted
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Post by Deleted on Sept 16, 2017 11:09:48 GMT -6
How much of your debts are you personally tied to after a bankruptcy I'm not quite sure. I have a bunch of student loans, a huge car loan (that I can get out of, but then I'd be left with no car to get to work), and a bunch of credit card debt. I know the loans couldn't be discharged. The car loan would still leave me without a car to get to work. I dunno about credit cards, or what it'd do to my credit score. Never really considered bankruptcy. When you say "homeless" do you mean literally without a place to stay, or do you mean you'd be staying with friends or family? There's a big difference. Are these federal student loans? Have you called them about getting put on the REPAYE or IBR plans? Those are pretty good. Bankruptcy may not get you out of those student loans, but it can help you get a lower payment plan. Dump the car. Trade it. Sell it. Refinance what's left. Whatever you have to do. If you ditch it, buy something cheap to get around for a year or two. Unless you plan to live in that thing it's not worth paying that much for. Credit card debt (as well as medical and unsecured loans) can be discharged pretty easily through bankruptcy. If you default on it, your credit score will tank and they might sue you in hopes of getting a default judgement where you don't show up, but even if they get a judgement they are unlikely to proceed to garnishment to collect on those. The credit cards actually have very little leverage. In times like these, it's important to keep sight of priorities. You need to keep a roof over your head, the lights on, and food on your plate. Don't worry about your credit score when you're facing homelessness. If you can't pay your bills, it's going to inevitably tank, anyway. You can rebuild it over time. If you file bankruptcy, you can actually rebuild it faster than by trying to scramble around for years paying minimums. The most likely scenario if you default on debt or file bankruptcy is that it gets harder to buy a car for a couple of years, but you can still do it--you'll just overpay if you take out a loan. You also won't be able to get an unsecured credit card to use for emergencies for a couple of years or buy a house for about 5-7 years. Creditors might sue you if you default, but they tend to be hesitant to actually garnish wages because that pushes people into bankruptcy and then they get nothing. That's pretty much it. Do any of those sound worse than your current situation? Employers check credit but unless you work in certain very elite fields like law or the upper echelons of finance, it's not going to matter much. When potential landlords check your credit, they are usually more concerned with your income and whether you've been evicted from other places than they are your FICO score. Your life and daily needs are more important than your FICO score. Look up your state's statute of limitations on getting sued for old debt, garnishment, and personal property exemptions in bankruptcy and talk with 2 or 3 attorneys first to see if you feel you need to go that route. Good luck to you. EDIT: Nevermind. I just saw later in the thread where he said he could live with parents and has turned down job offers.
The solution is simple: swallow your pride and grow up.
That means you move back in with your folks for a year, get a job (or two) even if it is "beneath you," get rid of that expensive car and get something you can actually afford to drive, consolidate the student loans and get on a lower repayment plan, pay off/pay down the credit cards, and let coaching take a backseat until you get your life straightened out to the point where you can be a reliable asset to a team.
It's time to man up and cut through the BS in your own life.
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Deleted
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Post by Deleted on Sept 16, 2017 11:21:32 GMT -6
I have a feeling you waste a lot of money on things because you care what people think of you to feed your self esteem The car sounds like exhibit A.
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Post by wolverine55 on Sept 16, 2017 11:24:09 GMT -6
I'm not too sure where the feelings of "shame" on living at home at age 24 are coming from. In today's society and economy, it's somewhat common for people aged 22-30 to still be living at home.
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Post by rsmith627 on Sept 16, 2017 13:31:38 GMT -6
Chit man, I'm 31 and would gladly move back in if I could.
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Post by freezeoption on Sept 16, 2017 13:57:04 GMT -6
Man, my second year of teaching I was broke. Made a stupid purchase of a vehicle that if hadn't I would have been set. It killed me for a couple of years. I looked at what I could control after that. I had to have rent and water and electricity. Everything else I cut to bare bones. I ate very little, hardly used any lights or water, just what I had to have. Walked every where. I would have gotten a second job but it was in the middle of nowhere, not a lot of other jobs or I would have done that.
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Post by blb on Sept 16, 2017 14:13:44 GMT -6
murdrIt's not your "Personal Life" - It's "Real Life."
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Post by 19delta on Sept 16, 2017 14:55:55 GMT -6
Ok, this will probably seem much more harsh than dubber 's post, but I think not only do you need to stop being a victim, you need to GROW UP. I mean, correct me if I am wrong but according to your posts here you " Had a "scholarship" (which they don't give ) to go to an Ivy League school for football, but then hurt your knee and sulked and your grades dropped below admissions standards You posted frequently asking for advice while you were attempting to play college football because you were certain if you were played in the correct position you would make it to the NFL. You were an exercise science major, you claim to have been a Law Enforcement Officer, you have extremely strong opinions with very little experience to support them (particularly regarding offensive football, and training large group of HS athletes) and you are on the verge of a mid season departure from your 2nd team in as many years... Guy, go back home, live with parents and mature a bit. I also seem to remember that murdr was the owner of a highly successful gym.
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Post by coachd5085 on Sept 16, 2017 15:49:05 GMT -6
Ok, this will probably seem much more harsh than dubber 's post, but I think not only do you need to stop being a victim, you need to GROW UP. I mean, correct me if I am wrong but according to your posts here you " Had a "scholarship" (which they don't give ) to go to an Ivy League school for football, but then hurt your knee and sulked and your grades dropped below admissions standards You posted frequently asking for advice while you were attempting to play college football because you were certain if you were played in the correct position you would make it to the NFL. You were an exercise science major, you claim to have been a Law Enforcement Officer, you have extremely strong opinions with very little experience to support them (particularly regarding offensive football, and training large group of HS athletes) and you are on the verge of a mid season departure from your 2nd team in as many years... Guy, go back home, live with parents and mature a bit. I also seem to remember that murdr was the owner of a highly successful gym. I don't specifically remember any mention of the level of success, but I do know that murdr is confident in his S&C prowess. murdr buddy, I know this seems like guys just are just continuing to pile on here, but hopefully it lets you see the what we really think you need to see.
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Post by CS on Sept 16, 2017 15:50:55 GMT -6
Is murdr a trolling genius? I have this conspiracy theory that his reign here has been a well planned out farce.
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Post by 19delta on Sept 17, 2017 16:09:17 GMT -6
Is murdr a trolling genius? I have this conspiracy theory that his reign here has been a well planned out farce. CS called it first. murdr is a trolling genius. He effortlessly transitioned from posting about his dire financial straits to sharing his opinion about quality pens. Well played, sir. Well played.
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Post by wingtol on Sept 17, 2017 18:00:28 GMT -6
We need just one thing in this thread....
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