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Money and Finances
Reply to "I am so over my head"
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[quote=Anonymous]OP, you've gotten great advice from people on digging out of your short term hole. I would suggest, once you're out of the immediate mess, to sit down and think about your longer term finances and outlook. You should work on building up savings, which means financial freedom. You need to be smarter about money. Don't listen to people who are trying to sell you things about what you can and cannot afford. You cannot "afford" something unless you can pay in cash. And you should always have a cushion of savings. So, for example, you could not afford the car at the time you bought it because you had to take out a loan to buy it. This means delayed gratification and living frugally for a while, and budgeting/planning your finances. If you don't have great guidance from your parents on this, I recommend doing your own research and studying on the issue. Good luck. [/quote]
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