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There are two ends to look at, understanding that money you have = money coming in and money going out. Let's tackle the first end, money coming in, can you take on a part time job to bring more money in, get a higher paying job. Let's look at the expense end, can you consolidate your debt and/or open new cards at lower interest rates to give you some relief, such as 0% for 18 months etc. My chase freedom gives me 0% until aug 2015, for example. Citi diamond preferred also did the same for me, about 1 year of 0%.
Split an apartment with some roommates?
Stay with your mom for 1 year, get a second job with low stress, dont eat out alot and dont spend too much. Put most of your earnings into paying off debt.
Pay highest interest cards first. If you can please consolidate all credit card payments or atleast the ones with very high apr.
Sell items, ipads, any expensive item worth over $250 that you can live without. I sold my ipad and iphone for $800 and paid off a card a while back.
If you have anything of value to sell, avoid eBay. It's a scammers paradise. Try Craigslist or word of mouth.
Try to find someone to split rent with.
Take on a p/t job.
Enter into a debt management program. Keep one card out for emergencies.
On $1800, there is no way you can pay rent, the minimum payments and living expenses. Something must be cut.
Have you called any of the creditors and asked them to help you out? Lower interest rates perhaps?
Whatever you decide, I hope it works!
Is there a specific reason why you can't live with your mom a little while longer? That would really help it seems.
You are not entirely out of options. Like others said, picking up extra hours at a second job may be an option. Another may be to renegotiate your debt with your creditors. But if none of it pans out, you could consider bankruptcy - but if you do, forget being able to get an apartment on your own for a long time.
@yfan wrote:Is there a specific reason why you can't live with your mom a little while longer? That would really help it seems.
You are not entirely out of options. Like others said, picking up extra hours at a second job may be an option. Another may be to renegotiate your debt with your creditors. But if none of it pans out, you could consider bankruptcy - but if you do, forget being able to get an apartment on your own for a long time.
Can you no longer pre-pay rent? I remember I did first / last, plus 3 months and had no issue before when I didn't have a credit history but that was a while ago.