please help

I quit my job and lived 5 years on my own with no income. Shit sucks.

>>34621684
I have never done it, but I understand that in much of the country it is undoable. Certainly it would be so where I live. Best of luck.

>>34622300
Fucking how?! Were you homeless? Bux?

>>34622540
I lived off savings for awhile and hardly ever spent money outside of rent+food.

Then I ended up going in to $25,000 credit card debt using 0% balance transfer checks.

>>34622562
How is the debt? Are you still in it?

>>34622580
i rotate it around to different cards every time the 0% promotional APR expires (every 12 months or so).

I still have all the debt, though I could pay it all off tomorrow if I wanted to use all my retirement savings to do so (but I don't)

>>34621684
Basement apartment (really cheap but still decent, try to find one with utilities and internet included)

Dont eat out

cheap cell plan

ride a bike and use public transit

>>34622606
How old are you? Will they not work with you to eliminate it? Can't you just default or do you not want to ruin your credit?

>>34622659
33.

Nobody works with you unless you stop paying. I don't want to ruin my credit, so I keep paying the minimum payment.

Surprisingly, my credit score is still above average.

>>34622679
I see. Good luck to you.

>>34621684
Currently doing this. I rent out a room lots of public transportation and bicycling. Lots of home cooked food and when going out I convinced my friends to just have dinner nights with one another taking turns to make home made food. Pirate everything online but make the home feel good. I use google phone and cheap cell in combination for about $35.

I use the public library to check out books and films too.

I use the farmers market to get a lot of fresh fruits and veggies when I can. I also shop at the Dollar Tree and find brand name items for $1 mostly cereals that are super expensive for about $5 but because they are so expensive they don't sell so DT buys them up. The off brand stuff varies quite a bit a do alot of research. Their $1 chicken thighs are worth it though and they will get brand bacon at times too so I freeze all of it.

Discipline.

You have to cut out every unnecessary expense tovthe extreme bare minimum. Only the essentials...rent, utilities, car note...etc. No luxuries or eating out for a second...every extra cent left over from paychecks goes into your bank account...after a couple of months you'll have a couple hundred/thousand depending on job/salary. I call it stacking up...suffer now to splurge later. Most people can't and fail due to money mismanagement and unnecessary spending.

Good luck...

Probably roommates and easy to get to job

>>34622914
About how many hours do you work a week?

>>34621684
Just drop a mattress in a pool they're need a crane to get it out?

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Anyone have any ideas for making extra money on the side?

I did it for a year about 3 years ago.

I had a roommate and pretty much went between work and our apartment, only spending money on rent/food/internet.

Motivated me to get my shit together. Working two jobs now but I'm on track to make 50k this year.

>>34623605
how did you get a job after being NEET? NEET time is toxic on resumes