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[quote=Anonymous][quote=Anonymous]Op here. I got a 2022 Camry hybrid XSE and the price of the car would be same as what I owe or may be a little less. I am working extra and picking up shifts as much as possible but it’s not making dent in my situation. I am a nurse at a surgery center and it gets very demanding standing on feet for 10-12 hrs. Not many excuses but telling so that others would understand my pain. My credit score is about 680 and I have been making minimum payments on time. My situation when I was with my fiance was much better and I was making good progress with debt since he didn’t ask for anything but it has gone very tight at my own apartment. I am under one year lease and don’t have extra bedroom to get a roommate. It’s an older building in Gettysburg,PA and I am concerned about big heating bill during winters. I looked into trading cars but not making much sense since loan is going to be close to same after all the fees, taxes etc. I am looking into refinancing current auto loan and start 7 year loan so that payment could come down. [/quote]

1. Don’t heat the apartment to 72. Heat it to 65, or whatever you can afford. Join your local free cycle or buy nothing and look for an electric blanket.

2. You don’t get to be tired. I’m sorry. That’s really hard. You get to pick up extra shifts.

3. If you aren’t already, Cut all streaming services and use YouTube instead.

4. You said you don’t do hair. Does that include hair cuts? Because you should absolutely be cutting your own hair if you’re not already doing that.

5. Go to Reddit. Join r/povertyfinance. Those people know so much about squeezing every last cent out of a budget. For example, they suggest this website:

https://efficiencyiseverything.com/

A mathematician has analyzed how to make the most out of everything. The did section is especially helpful, with articles like “Nutrient Per Dollar”.

6. You need to build a better financial buffer before going back to school. Work like a dog this year. Once you have a month’s expenses saved in cash (including debt payments), you can go back to school. This assumes that you can continue paying all bills while working full time and going to school.

Keep us posted. I’m rooting for you, OP.
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