I feel your pain as a fellow former art student. I have a BFA and spent time trying to make part-time in retail and gallery jobs work. I got a solid no or crickets from every job that needed a portfolio submission.

I would try looking into any jobs that are even slightly related to art, even if the job itself isn't artistic. A lot of times, having experience with art and creative thinking can make your resume attractive. Apply to anything that even slightly catches your interest or at any company that does work you like.

Careers can take really weird paths if you're open to it. Opportunities are different everywhere, but I wanted to share my path because it's a hilarious mishmash to me.

I ended up getting my break in a job as an office admin for an exhibits design company that was working on site at a museum that was under construction. It was hands down the most unique job I've ever had, and i got to rock a hard hat and high vis daily. Inspecting heavy machinery was not something art school prepped me for.

From there, I jumped to media asset management (front end, not IT heavy) for an educational media company. They were interested because they saw a museum and project management on my resume, and I googled enough of the technical terms to pass the phone screen. I was memorable because I said I was looking forward to having a job with indoor plumbing during the in person interview.

My latest job picked me up because I had user training and digital asset management experience. I'm working somewhere that was on my bucket list of places to work, which I never thought would happen.

It can get better, it just might get really weird first.

I happened to be on the phone with my credit card company and I asked them what they thought. The CSR put me on hold for 5 minutes and told them they are not financial advisors and they can't give me advice on how to answer that question. I'm trying to answer their question accurately and they can't give me additional details on it. To be fair, it's not the bank's question but a Federal rule/guideline.

I could make a case for any of the answers. I'm going to investigate how public companies report their income from unrealized capital gains. It might not be an apple to apple comparison

You may find these links helpful:

• Student Loans
• Student Debt Relief Megathread
• "How to handle $"
• Debt

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You can very often get a better deal by financing, then just wait a month and pay the whole thing off. That being said, purchasing a new vehicle is a bad financial decision regardless of how you pay for it. Always better to find something reliable and used.

Hey, 23 here, don't feel bad, I was more indebt than you at 18, my parents wouldn't co-sign a used car for me and the dealerships wouldn't sell me a used car because I had no credit history. Ended up with around a 28K car loan, which was a $450/m payment + 200/m in full coverage insurance. I was also in the same situation with CC debt as you.

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First step is to get rid of that CC debt, 28.99% on 2,900 is $70.06 a month in interest.

The Discover debt is about to be a problem, as you'll likely be paying around 25% APR on 6k but not until May. However, depending on the terms of your agreement, you might be charged what the interest would have been over the term of the balance transfer e.g.

Assuming 25% APR over 12 months at a 6k balance transfer = about $1600 in interest you'll be charged if not fully paid off by the term date. Additionally it will be at least $125+/m in interest a month regardless, assuming the balance stays the same. You might even consider another balance transfer as the fee would be a lot less than the accumulated interest payment ($100-300) at most.

Call Discover and ask a representative for more information on your situation.

I suggest once you pay them off, cut them up and get a card with a limit if you have an issue with overspending. Otherwise, make it a absolute priority to pay of CC debt at the end of the month and don't fall into the debt trap again.

Similarly, PayPal seems to have a 28.49% APR which on 2,215.80 is $53.35 a month in interest. Though is 0% for 6 months if payed in full on purchases over $99 but with a similar situation to balance transfers, you'll be charged the full 6 months if you don't pay in full. Consider PayPal credit as another CC.

Debt consolidation might be a good option for you, if you can get a good APR. It'll merge all your CC debt into one loan making it easier to pay off.

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1. Make a budget for non-negotiables (Food, Housing, Fuel, etc...) Hobbies and fun need to take a backseat for awhile.
2. Save an emergency fund for rainy days. (2-5k) if possible.
3. Focus everything on paying down the CC debt. (Highest APR to Lowest APR)
4. Consider selling off some assets to cover the debt, short term pain for long term success.
5. Stay the hell away from credit unless you absolutely need it. Like when buying a house or car. Nothing for hobbies or fun should be used with a CC.
6. Pick up extra shifts, or another job temporarily to accelerate your debt payments. I see people suggesting Uber or Door Dash, these are a good option, and allows for flexible hours.
7. Embrace the suck.
8. ?
9. Inherit a one million dollars.

Edit: typo

Right, and yeah essentially an expensive lesson :/

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But I have seen scams as well too because I have been through such scenario once and from that I look around for the certified once only

My wife and I each put 80% of our money into an account, that pays all the bills, any fun we have together, paying extra on debts, and putting into savings. The other 20% we each get to ourselves to do whatever with...she usually spends hers and I usually save mine :)

Did you get this information directly from their insurance? Or is this second hand coming from him? Seems sketchy to me.

Cars are a status symbol so people frequently buy beyond what they can afford.

Only lend money to family and friends you don't mind losing.

Sorry, the term is "Backdoor" roth. Income limits are too high to contribute to a Roth initially.

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Also the VMFXX says the SEC 7 day yield is 4.76%. I haven't seen a cent of interest. When does it get paid or where do I view it?

This. I would love to see their response.

I did this & regretted the quality of repair

We are planning on getting married but the house happened first. Any advice in the meantime?

Told myself if the first reply says don't do it I'm not.

He's going to have to ask some else.

Thanks internet stranger.

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I took an almost 50% paycut to get out of restaurant management and into the corporate world. Now I make 3x what I did in restaurants for half the hours.

However, I was at a point in my life where I could afford that. I realistically couldn't just drop my pay in half today and be fine.

I would warn you against trying to time the market. If you view that money as long term then the best plan is an index fund/ETF regardless of what the fed is doing right now. You have no idea when the market will shift. If you need the money safe in CDs, that should be the plan going forward as well.

>No question at all he will pay it back.

That's what everyone says right before they cosign.

>take a loan asking for $10.6k

Don't even consider this unless you can comfortably pay for it yourself, not borrow.

get married. it'll make your life WAY easier. you should have done that before you bought the house, actually, and the complications you're facing are why.

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Yes you should be earning interest but it's one of the most conservative investment options available, so it's not a ton of interest. https://investor.vanguard.com/investment-products/mutual-funds/profile/vmfxx

I don't understand your strategy of contributing to a traditional IRA and then rolling it to a Roth. Why don't you just contribute to a Roth initially? Your max contribution per year is between all IRA accounts, roth or traditional. Can you explain why you are trying to do it this way?

Even if you did, you didn’t… unless there was a camera