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Posted: 7/17/2017 6:21:57 PM EDT
[#1]
on a scale of 1 to 10, you're somewhere between light and burnt toast.
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Posted: 7/17/2017 6:22:08 PM EDT
[#2]
Something went terribly wrong if you payed 30K + to go to school and you only make $10 an hour...
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Posted: 7/17/2017 6:22:51 PM EDT
[#3]
Quote HistoryQuoted:
I hire 16 year olds at about what you make. Wtf? You need to get get a better job. Retail isnt grand but but with no degree I make 5 times what you do. Suck it up and find something new. Hopefully, his paid off house is in really good shape. If it needs a lot of repairs, or is in such bad shape that a bank won't approve a loan should a non-investment buyer attempt to purchase it, this gets even more complicated for him. Or, maybe I'm wrong and there are a lot of jobs in his corner of the state. <shrug> |
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Posted: 7/17/2017 6:23:59 PM EDT
[#4]
Is this your mom's house.
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Posted: 7/17/2017 6:24:16 PM EDT
[#5]
Quote HistoryQuoted:
There are plenty of jobs that pay over 20k/yr with a BA in history. I don't know why you all assume it's a worthless degree. If nothing else, get what you need to be a teacher. Almost anything makes more than 20k/yr. A degree in anything + some kind of experience can land you a gov job. Most degrees just show that you can accomplish something with a set standard, kind of like boot camp in the military. You can't do this (presumably), but plenty of high paid analysts have history degrees. I know dudes that spent 5 years in the military doing intel shit, got a history degree while they were in, and jumped ship to an agency or contracting gig. Do what others have said, look for a job even if you have to move, don't lie but make your resume sound good. Also contrary to arfcom millionaires, your degree is worth something. You just aren't utilizing it right now. Good luck brother. You're doing better than a lot of people. |
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Posted: 7/17/2017 6:25:02 PM EDT
[#6]
Quote HistoryQuoted:
Trade school, most states is free even for returning adults. Become a machinist, electrician etc... and go make $40,000/yr |
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Posted: 7/17/2017 6:26:26 PM EDT
[#7]
Quote HistoryQuoted:
Nope and nope. I dodged those bullets. Two questions for you, then. 1. When was the last time you applied for a job? 2. When was the last time you applied for a job you didn't think you were qualified for? |
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Posted: 7/17/2017 6:26:38 PM EDT
[#8]
Check out Dave Ramsey radio program or web page. Sounds like it's just what you need.
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Posted: 7/17/2017 6:26:59 PM EDT
[#9]
How'd you end up with the paid off house?
What's it worth? Round up the nearest $10k |
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Posted: 7/17/2017 6:28:09 PM EDT
[#10]
9.50/hr
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Posted: 7/17/2017 6:28:20 PM EDT
[#11]
Quote HistoryQuoted:
Get a govt job.or a suga momma At 43, in 20 years you'll be 63. In the meantime, start a weekend job that will allow you to put money straight into a 401k. Lawn care is easy, get CPR/AED certified and teach classes, hell become a EMT and run on the ambulance on the weekends, be an adjunct professor for night school...do something. How's your house? What's the value? Like others said, get a real job and move. If you can sell your home for $300k, move, and find a house for $200k even if its a downgrade, you may be able to jumpstart your savings. Like set aside $18k for the next 5 years (or whatever the limit is). Also, go talk to a financial planner. A real one. Not arfcom. |
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Posted: 7/17/2017 6:28:31 PM EDT
[#12]
Get your cdl and at least double if not triple your income. There should be a shitload of decent to high-paying cdl jobs in the northern part of WV around the Marcellus. Or just haul freight around if you can't tolerate any physical task.
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Posted: 7/17/2017 6:28:41 PM EDT
[#13]
This is unreal. Over 30k for a degree that gets you all that.
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Posted: 7/17/2017 6:29:31 PM EDT
[#14]
Also this is exactly what you should do.
Go into teaching history. Move to the best job you got.cash out your house for the next house you get near your job. Take care of your body till you get your teacher pension. That's it. In Texas a teacher starting at 43 would get pension at.....ummm at 62. Nailed it. There you go. Cangrats bruh. Higher pay and pension. Your welcome. |
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Posted: 7/17/2017 6:34:01 PM EDT
[#15]
Making under $10/hr I would say move to a better state, start working at a fast food place and in a year of being a good worker at least make shift manager pay. Go to work for Sheetz probably if I were in your situation. Fully serious.
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Posted: 7/17/2017 6:35:35 PM EDT
[#16]
Quote HistoryQuoted:
Show me a job posting that says "zero experience, all that is needed is a BA in history" and I will send you $20. The source must be verifiable and you have 24 hours to respond with a current job posting. |
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Posted: 7/17/2017 6:35:59 PM EDT
[#17]
Quote HistoryQuoted:
E.g. I like boats and know every stat for bass boats - get job in sales selling bass boats - work really hard and profit. To this day I still don't know what "bore x stroke" means, but I sure could recite numbers. I really wish equipment salesman of today could recite specifics like that because they loved their work. Sigh.... |
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Posted: 7/17/2017 6:36:06 PM EDT
[#18]
You're actually in better shape than a lot of people. Being in WV doesn't help and won't - presume you're there for a reason perhaps your mom.
You need to get your expenses down to the absolute minimum while also increasing your earnings anyway you can. Throw all money beyond bare bones expenses towards the debt and that might could be paid off in 24 to 36 months. Then put 25% of your income into a Roth after the loan is paid and you have a very solid chance of being in good shape in 15 to 20 years. Any increase in earning between now and then will aid in that and decrease expected timelines. WV is wonderful... But there's not much there anymore. |
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Posted: 7/17/2017 6:37:04 PM EDT
[#19]
Quote HistoryQuoted:
Hey homeboy, I would do that... but you can't fucking read so it would be a waste of my time. the dude is 46, he has experience. Jesus. Quote HistoryQuoted:
Quoted:
Show me a job posting that says "zero experience, all that is needed is a BA in history" and I will send you $20. The source must be verifiable and you have 24 hours to respond with a current job posting. |
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Posted: 7/17/2017 6:37:37 PM EDT
[#20]
Quote HistoryQuoted:
Get your cdl and at least double if not triple your income. There should be a shitload of decent to high-paying cdl jobs in the northern part of WV around the Marcellus. Or just haul freight around if you can't tolerate any physical task. |
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Posted: 7/17/2017 6:37:57 PM EDT
[#21]
Can you get a teaching job without a Masters these days?
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Posted: 7/17/2017 6:38:56 PM EDT
[#22]
Quote HistoryQuoted:
I absolutely loathe saying this...but this. At 43, in 20 years you'll be 63. In the meantime, start a weekend job that will allow you to put money straight into a 401k. Lawn care is easy, get CPR/AED certified and teach classes, hell become a EMT and run on the ambulance on the weekends, be an adjunct professor for night school...do something. How's your house? What's the value? Like others said, get a real job and move. If you can sell your home for $300k, move, and find a house for $200k even if its a downgrade, you may be able to jumpstart your savings. Like set aside $18k for the next 5 years (or whatever the limit is). Also, go talk to a financial planner. A real one. Not arfcom. I'm expecting a $30k double wide Absolutely no disrespect intended |
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Posted: 7/17/2017 6:39:24 PM EDT
[#23]
Quote HistoryQuoted:
That's what I thought... I'm guessing your degree didn't deal with much reading. That's ok. |
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Posted: 7/17/2017 6:39:32 PM EDT
[#24]
Quote HistoryQuoted:
How'd you end up with the paid off house? What's it worth? Round up the nearest $10k |
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Posted: 7/17/2017 6:40:29 PM EDT
[#25]
The thing is, I'm happy.
I've made good choices and I've made bad choices. I've never been arrested, never done drugs, never got married (or divorced), never had kids (so no child support). I walked away from what I wanted to do to take care of my mom because I was taught you do for family. I like where I live and have little desire to move. I got a worthless degree and took out too much in loans. I worked the real job and hated every minute of time I was in pointless meetings and cubicles. Now I realize that working just for money so I could buy toys sucked, now I work just to pay the bills. Now, I'm willing to work something else, but I have serious health issues I can't work around, so pretty much physical work is out of the question. I don't have the time or money to go back for a different degree, I've been in management and I'm not good at it (a man's got to know his limitations). I'm not a salesman. I'm just curious how bad of a shape I'm in for the future and what I can do at this point. EDIT: Just checked and my credit score is 549. But I have no outstanding accounts to pay on to show I'm capable of paying outstanding accounts. |
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Posted: 7/17/2017 6:41:38 PM EDT
[#26]
$20k a year?
Thats pretty much what I pay in taxes. |
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Posted: 7/17/2017 6:42:40 PM EDT
[#27]
The only explanation for this that makes sense to me is that OP is a convicted criminal.
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Posted: 7/17/2017 6:43:49 PM EDT
[#28]
Quote HistoryQuoted:
The only explanation for this that makes sense to me is that OP is a convicted criminal. |
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Posted: 7/17/2017 6:44:33 PM EDT
[#29]
Quote HistoryQuoted:
Gift from my mother for being her caretaker. It's worth about 140,000 which is pretty good for the Northern panhandle. |
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Posted: 7/17/2017 6:45:14 PM EDT
[#30]
How many AR'S do you have ? Do you know how to build an AR,
very lucrative business venture. |
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Posted: 7/17/2017 6:45:32 PM EDT
[#31]
Quote HistoryQuoted:
Awesome. You could sell for $140ish? |
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Posted: 7/17/2017 6:46:25 PM EDT
[#32]
Quote HistoryQuoted:
Get a govt job.or a suga momma |
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Posted: 7/17/2017 6:46:32 PM EDT
[#33]
Quote HistoryQuoted:
Had two tickets in 25 years. That's it. I just live in an area without much in the way of jobs I'm qualified for. Step 2. Sell your house. Step 3. Move to the Bakken in North Dakota. Step 4. Become a truck driver and become accustomed to long crappy hours. You'll be well on your way in 5 years of that. |
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Posted: 7/17/2017 6:47:11 PM EDT
[#34]
No wife, no kids, paid off house.
Not a big deal. Arfcom likes to think that Social Security will go away. Reality is that politicians on both sides of the aisle are unlikely to cut their own throats with seniors (who by and large vote). So they'll just fund it by raising the cap on the salary tax. You'll have enough to eat, go camping, go hunting, shoot, pay for a small fishing boat, and generally hang out and live a comfortable life in retirement. You won't be jet setting around the world, but c'est la vie. |
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Posted: 7/17/2017 6:47:31 PM EDT
[#35]
Quote HistoryQuoted:
I could try, but then I'd be homeless. I don't want to move from here. I actually like where I live. |
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Posted: 7/17/2017 6:48:46 PM EDT
[#36]
What's the value of your house? Could you downsize and pocket some cash? Worked well for me to build seed money for investments.
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Posted: 7/17/2017 6:55:59 PM EDT
[#37]
Quote HistoryQuoted:
The thing is, I'm happy. [snip] Be thankful for your ability to enjoy a frugal lifestyle, but maybe look for ways to buffer yourself financially. |
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Posted: 7/17/2017 6:57:58 PM EDT
[#38]
Quote HistoryQuoted:
Also this is exactly what you should do. Go into teaching history. Move to the best job you got.cash out your house for the next house you get near your job. Take care of your body till you get your teacher pension. That's it. In Texas a teacher starting at 43 would get pension at.....ummm at 62. Nailed it. There you go. Cangrats bruh. Higher pay and pension. Your welcome. |
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Posted: 7/17/2017 6:58:12 PM EDT
[#39]
Quote HistoryQuoted:
I don't doubt that, yet something prompted you to start this thread... Be thankful for your ability to enjoy a frugal lifestyle, but maybe look for ways to buffer yourself financially. |
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Posted: 7/17/2017 7:00:20 PM EDT
[#40]
Quote HistoryQuoted:
Can you get a teaching job without a Masters these days? But anyway, I've seen lots of people with Bachelor's beat out Master's because they interviewed well. |
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Posted: 7/17/2017 7:02:12 PM EDT
[#41]
Well nevermind.
Still in better shape than some. |
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Posted: 7/17/2017 7:03:25 PM EDT
[#42]
If you like where you live and are set then it's not too tough. Having the house paid off is golden. Check to see if there are any property tax rebate programs in W VA for low income folks. Selling the house and all that, some people jump to that all the time.
You need some extra money to boost up emergency savings first and foremost. Part time job or something extra PRONTO to build up a few thousand in case your car needs fixing or something comes up. There have to be jobs available to boost your income, get in touch with any job placement programs available in the area or surrounding area. You're a college educated person with just student loans. See what you would need to move into teaching, there may be some loan forgiveness programs to teach in your area if it's that depressed. People don't get how easy it is to get behind when you take on the stuff you did. You have a house and a college degree. You are a lot further ahead than tons of people,don't waste it. A little motivation and work and you'll be fine. |
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Posted: 7/17/2017 7:03:55 PM EDT
[#43]
Quote HistoryQuoted:
The thing is, I'm happy. I've made good choices and I've made bad choices. I've never been arrested, never done drugs, never got married (or divorced), never had kids (so no child support). I walked away from what I wanted to do to take care of my mom because I was taught you do for family. I like where I live and have little desire to move. I got a worthless degree and took out too much in loans. I worked the real job and hated every minute of time I was in pointless meetings and cubicles. Now I realize that working just for money so I could buy toys sucked, now I work just to pay the bills. Now, I'm willing to work something else, but I have serious health issues I can't work around, so pretty much physical work is out of the question. I don't have the time or money to go back for a different degree, I've been in management and I'm not good at it (a man's got to know his limitations). I'm not a salesman. I'm just curious how bad of a shape I'm in for the future and what I can do at this point. You really do need to get your income up, or you're going to work until the day you die - and do it while living in a house that has fallen into disrepair. If you don't want to move to where the jobs are, then I'm kind of at a loss as to what to suggest. Regarding your degree, is teaching history a possibility that interests you? Is it possible in your area, without moving? It certainly pays better than $20k/yr. Failing that, you could always get your CDL and be an over the road trucker for a while. You'll be gone a lot, but...you don't have a wife and kids to worry about - it's just you. And you can live pretty much wherever you want. And if you REALLY don't mind being gone a lot, you can easily quadruple your current income. And more. |
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Posted: 7/17/2017 7:04:00 PM EDT
[#44]
no need to worry
basic universal income is coming in your lifetime plus medicaid,SNAP,section 8,free phone |
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Posted: 7/17/2017 7:06:04 PM EDT
[#45]
Quote HistoryQuoted:
Gift from my mother for being her caretaker. It's worth about 140,000 which is pretty good for the Northern panhandle. Quote HistoryQuoted:
Quoted:
How'd you end up with the paid off house? What's it worth? Round up the nearest $10k Honestly, with paid house and car, no kids no wife, you get ~2k a month to fuck around with. Say $1500 after some bills. Could be a LOT worse. Get some side jobs and an IRA if you dont want to move. There are all kinds of things one can make money at. |
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Posted: 7/17/2017 7:08:33 PM EDT
[#46]
there's always solo gay streaming cam whoring
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Posted: 7/17/2017 7:10:20 PM EDT
[#47]
Get another education.
You were proceeding in that direction when your mom's illness sidelined you. Start again. Sell the house if you have to. Move if you have to. |
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Posted: 7/17/2017 7:12:21 PM EDT
[#48]
Let's just all pause and appreciate that OP is a paid member. Seriously. Good job brother.
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Posted: 7/17/2017 7:12:53 PM EDT
[#49]
Quote HistoryQuoted:
Get another education. You were proceeding in that direction when your mom's illness sidelined you. Start again. Sell the house if you have to. Move if you have to. |
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Posted: 7/17/2017 7:13:24 PM EDT
[#50]
You were fine until this:
"I have a BA in history" |
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