brought to you by the every dollar app start budgeting for free today so i'm a very very very bad spot and uh... i feel uh... too much like nothing at this point uh... i took out a uh...
basically my job i i work uh... the federal job uh... i guess i could say that i work at the united states of service and that we lost a lot of our package volume so i knew that i would have to come up with more money somehow and uh... suitably i i i took on day trading and i made like a hundred twenty thousand dollars in three months but i took out a sixty thousand dollar loan to get that uh...
and uh... one story short i ended up losing the money and i took out another one trying to back and walk it to so now i owe like fifty two hundred dollars a month in expenses and i make like four thousand about to lose my job because i can't afford a delivery vehicle to deliver out of the part of the contract and i'm freaking out my girlfriend she'd only and i feel like i'm a loser i feel like a blabic used for man and uh... i just don't know if you anymore well first of all take a deep breath glad you call us and i want to start with the fact that you're not a loser you've had some losses and those losses sting but welcome to the human race you made some poor decisions and really what you did you made one bad decision you got panicked and you made another bad decision about yourself out but i can tell you're not a loser and i mean that from the bottom of my heart is in a pep talk to a loser uh... sorry about the girlfriend situation you look back on this many years from now and you'll think god that it didn't go the long haul with her uh...
so we've got to massive hurts uh... just absolute a left-hook and right cross and you're spinning so i'm still with her i'm trying to figure the thing out well we're not going to talk about the relationship part right now i want to focus on on the bigger uh... which is your hundred thousand dollars in debt and you might lose your job so how certain are you that you're going to lose the job meet every dollar budgeters christy and steve they used to fight about money i'm the spender i'm definitely the server now that they budget with every dollar they're on the same page money is definitely one thing we do not ever about having a budget for me the permission to spend knowing that the money is in each category it just allowed us to work together better now that's what we call a win-win now we just have to pick colors uh... we can't help you with that every dollar create your free account today how certain are you that you're going to lose the job is this a foregone conclusion because you can't afford a car i might be able to get uh...
my dad or my grandmother somebody help me get a vehicle so that that the peace of mind there i don't think that they would uh... let me die i guess uh... well first of all but we're not gonna die if we've taken calls george with a lot more debt on the line than that there's not a bookie coming after you is there like i you bearing the lead here uh... i just i'm just so overwhelmed because uh...
how much underwater and every month and i've been working like sixty eight hours a week past five years and uh... for how much of a show for what your income uh... so that you have a thousand and this year with overtime cut looks like it's going to be about sixty five or seven eight okay and how old are you twenty four are you currently working with a no over time how many hours a week are you averaging right now i'm getting like fifty five so right now i'm getting about twenty five hundred dollars every two weeks take home but that's going to be gone in about two months okay so i think you're going to get some good news you feel like you can get a vehicle you feel like you got a family member that can bail you out in the short term to keep this initial job when you can keep it but you're going to have to you work crazy hours before you're gonna have to work a second job maybe a third job for the foreseeable future and that's all i know how to come with some tired of mentally exhausted i get it brother but guess what i had i had my wife and i had three kids under the age of three i don't want to hear a young twenty-four-year-old tell me how mentally exhausted he is just gonna pull that card out george uh... single moms have stood on this day at free stage many many times and talk about how much that they paid off i'm not knocking or in any way minimizing how tired you feel because you've been through a lot of motion but you got plenty left in the tank i've just seen people deal with far more than you're dealing with right now i guess it's a very little bit i heard no but you have time for a girlfriend right now there is no way out of this alexa that's what i'm trying to tell you george and i don't have a magic piece of advice right now uh...
for you to get out of this other than you're going to have to get a better job or be get a second or third job to get the income and so i want you to suspend your disbelief for just a moment and i want to bring george unless you say that we can get our income back up to that eighty thousand eighty five thousand where you were before george i want to walk into this kid right here does not believe that he can get out of the single school can walk him through what he does to begin to knock this a hundred thousand down well let's talk about what kind of debt this is exactly so how much debt total you told us the monthly number what's the total balance they're all on the court loans uh... and uh... one of them is forty three thousand dollars uh... and another one is thirty thousand dollars a dollar twenty-two percent and then i have another one fourteen thousand dollars and i know my dad eleven thousand seven hundred dollars but i was one of the briefly touch it like i get that i'm not married to that girl but i have been with her for four years and she got a five-year-old from like all she knows you know so but he was a failure to them but Alex you're not she cheated on you this is a separate call you know that she's giving up on you know we don't have time in this call to address that the bigger issue my friend is your money situation jorge so let's see you have about a hundred thousand dollars in unsecured debt and who gave you these loans uh...
so far bank and the bank and they're just all personal loans okay so here's the deal you don't pay them a dime until you've paid your own bills first food utilities housing transportation so if we look at those areas how can we cut down on those areas in order to create some are doing where you living right now uh... i i would like to go for a new event it's exactly really really good situation uh... where we've been there for several years and the rent and utilities together than eight hundred dollars a little trailer i don't know if i mean the price point sure but the living situation doesn't sound ideal to me but you make a great salary for a twenty four-year-old living in oxwell ten a seat can we agree on that that you didn't have that you have a great life yeah that's all i really want have you cut off all access to day trading or any other gambling uh... yes and no i'm still looking to be like i got seven thousand dollars cash left i trying to be like a fine you know alexon big this is not this is not oceans eleven you're not going to hit the roulette table and strike it rich and and clean up this mess you're just gonna do yourself no deeper whole that's what got us into this mess would you agree is desperation agreed so that's not the way out either so you have to cut off access to the thing that ruined your life which is day trading it's not going to be the solution you are the solution you get off your butt working sixty seven hours for the next two years that's what's going to clean this up so how can we get you making that what's that it's only going to be more than sixty seven to come working to be five now i'm gonna have to work another four-time job just to make payment well or like i said you find a better paying job i don't want to think that i have to work a hundred hours because i make twenty five hours twenty five dollars an hour yeah what are the skills that have caused you to make this money and how can we find a different job even that can pay more than that that's not a government job in the private sector that's the problem i i i never finished school so i have a degree so i think else it looks like last no you don't need a degree you know she did it is go get a job in the trades they don't care about degrees if you show up or card you'll make money but i'm a tell you something i was really concerned because i'm still here in a guy who's so beat up uh...
that doesn't believe he can get out of this and george is gave you the answer you don't have to pay all these people right away you have to take care of you first it doesn't care if it goes to collections they'll write it off and then to fight another day you're gonna be fine but i get out of this little teeny tiny trailer with this woman who cheated on you too my goodness you're staring at failure all day long create your free every dollar budget today the simplest way to budget for your life