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How do I make enough money to live? (lemmy.world)

submitted 4 months ago by TargaryenTKE@lemmy.world to c/personalfinance@lemmy.ml

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Yes, I do have a full-time job, and I even enjoy it, but it doesn't pay enough to survive in this hellscape of a world we live in. I lack the college degree required to get almost any decent-paying job (plus my last job hunt took MONTHS to get a lead), I don't have the skills or originality to become an online content creator, nor the artistry or patience to create and sell trinkets on Etsy (plus, that would require an initial investment which I simply do not have). Should I set up a GoFundMe? OnlyFans? I wouldn't really be offering anything except a charity basket/collection plate so that feels dishonest at best. Idk, I'm quite literally having a breakdown because I'm probably going to lose my car soon, and then my job, and then my apartment, and then my life. Any help at all would be appreciated. Thank you

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[–] shortwavesurfer@lemmy.zip 3 points 4 months ago (1 children)

This thing about the budget is absolutely golden. I learned it from Dave Ramsey and I do the exact same thing. I have a budget that I've worked out and I do it roughly every six months to a year and I sit down and I say, I've paid this, I've paid this, I've paid that, I've paid that, I still need to pay that and it has helped tremendously. A budget can really show you where you are fucking up and can cut back. It's been an absolutely amazing tool and I would not want to automate it in any way because sitting down and doing it manually makes you see it.

[–] sugar_in_your_tea@sh.itjust.works 2 points 4 months ago (1 children)

Just be careful with Dave Ramsey's advice. He's good at getting people on track, but his investment advice sucks and he's way too obsessed with avoiding debt tools. But if you're in debt, he's really motivating.

[–] shortwavesurfer@lemmy.zip 4 points 4 months ago

Yeah, true. I listened to him on getting out of debt and focusing on that, even though I have very little debt and none of it consumer credit cards.