grrr getting sick of life

[LoW_KeY]

Well the reason I say it.. I'm 5,000 in debt with collectors, I can't find a job around here worth anything. I'm working in a factory and they pay me 6.70 for god sakes, I can't even live off that shit if I wanted too.

I'd go back to college, but I'm not sure for what. I was going for computers, but everyone I talked to who was graduating couldn't find a job. I figure I'd post in this section maybe I'll get more hits and people around my age (23) I just feel like the worlds biggest bum right now.

I live in Michigan and things around here lately are just blah! I see a lot of people are having luck or what not. I need something shortly as the job I'm currently at loves firing you before 89 days so they don't have to give you benefits and pay you $1 hr more. That's not to cool being that I have diabetes and need medical benefits.

and that is my road block for my life which is quite frankly getting me depressed and annoyed

[TexasF355F1]

Sorry to hear that man. Debt really sucks. But you should also look at the bright side. There are a ton of people out there in debt and I'd be willing to bet most are in debt way over $5000. I think you have the lowest debt I've ever heard about. I really don't know what to tell you to do. If you're looking at going to college, a simple Business degree is the most universal. You could also major in accounting. There will always be a need for accountants. Just throwing a few ideas out there for you. I hope the best for you. Keep us updated when things turn around.

[DGB454]

At the moment Michigan isn't that great of a place to look for work. Too many companies are moving to Mexico. Fortunatly not all areas of Michigan are being hit as bad as others. What part are you in?

[LoW_KeY]

right smack dab in the middle.. I did have an accounting class in college, not sure what extent it was but it was kind of interesting and fun.

What would it take to get a degree in it? any input would be very grateful Just I'm getting stressed, always thought I'd be out on my own by now and not in my parents house scrapin for money. I don't want to go back to college to find out I can't get a job that just scares the crap out of me

and to top it off my parents helped me with college.. not sure if they would again. So I'd be on my own and I don't feel like going for 4 years or even 2 I finished up about 1 1/2 I do believe, but in computers.. so most of my credits were done in basic stuff like english yada, yada, yada.

[powerslide042000]

All i can say is dont give up no matter how hard life gets. THings will get better you just have to find a way out even if its the hardest way out

Good luck

[Hyatus]

I felt like that about a week befor i got a job pumping gas at a mobil station in my home town, all i did was keep my chin up come to work everyday 15min early never took a day off and 5 months later(now) i work at a preformance shop the owner of the gas station owns as well as an aprentice to a fabricator and a master mechcanic,and make loot at the same time. Just work your ass off and make sure the boss see's it and things will happen

[powerslide042000]

JUST WORK UR ASS OFF and u be out in no time

[brooster]

For the debt part, see a reputable consumer credit counseling outfit, one that pays off more than they get for handling things for you. It will take a while, but stick with it. And cut up the credit cards forever.

For the attitude, visit the pediatric wards. Kids can't help themselves. Anytime you think you got it bad, there's always somebody got it worse.

For the education, patience and perserverence. Just do it. Get the basics out of the way while you're biding your time deciding a direction. Lots of grants and other financial aid. See your registrar and student counselor.

For the job. Reputation. Be on time everyday, be the one that can be counted on; to get the job done, be there everyday, the most trusted, most reliable. Be good at whatever it is you do. If it's cleaning toilets, be the best. This will take you far towards other jobs, better jobs and better pay. Referals mean a lot. If I can't count on you and trust you to get the job done, I don't need you, even if you work for free.

Brainstorm your job options. Get a list of jobs/occupations. Go down the line and see what entry to 5 year mark offers for pay and benefits. Examples: X-ray tech, heating and ac, locksmith, accountant, etc. Find what interest you most and chase it.

"Find a job you enjoy and you'll never work a day in your life."

I'm not the perpetual optimist, goody two shoes, nor do I have it made. Just been around the block a few times and know what doesn't work.

[boingo82]

Originally Posted by brooster

For the debt part, see a reputable consumer credit counseling outfit, one that pays off more than they get for handling things for you. It will take a while, but stick with it. And cut up the credit cards forever.
.

I am going to second this. Talk to Consolidated Credit Counseling Services, they are at www.debtfree.org. They are a non-profit organization that is supported by the credit card companies, who'd really rather you pay off your debt than file bankruptcy.

If you sign up with them, they will talk to your creditors, who then pull your debts out of collection and into the 'program'. Your interest rates are reduced significantly (AMEX goes to 0%, Visa and MC to 7% and 9% I think) and they drop several of your late-payment and other fees. Then they put you on a repayment plan, under which it will take about 3-5 years to COMPLETELY pay off your debt and be in the clear!

Because of the dropped rates, you can pay off in this short amt. of time EVEN THOUGH your monthly payment is much less (only about 1/2 - 3/4) of what you were paying before in your minimums. If you continue to pay just minimums on your plastic, it will take about 30 years to pay it off and THOUSANDS of dollars in interest.

This way you pay off your debt legit, w/out filing bankruptcy and ruining your credit for 8 years, and by the time you finish the program and have everything paid you have been making a steady pmt. to all your creditors for 4 straight years which looks good on your credit.

[asterox]

Like everyone said, make it a priority every day to do something to work towards getting yourself free. Everything changes when you have direction, no matter where you are.

[DGB454]

Originally Posted by LoW_KeY

right smack dab in the middle.. I did have an accounting class in college, not sure what extent it was but it was kind of interesting and fun.

What would it take to get a degree in it? any input would be very grateful Just I'm getting stressed, always thought I'd be out on my own by now and not in my parents house scrapin for money. I don't want to go back to college to find out I can't get a job that just scares the crap out of me

and to top it off my parents helped me with college.. not sure if they would again. So I'd be on my own and I don't feel like going for 4 years or even 2 I finished up about 1 1/2 I do believe, but in computers.. so most of my credits were done in basic stuff like english yada, yada, yada.

Sounds like you are in the position I was around that age. I owed around 6k on a car and was working in a factory for about the same pay as you.
I looked around and decided I didn't want to do this the rest of my life.
I worked 2nd shift and went to college during first shift. I payed for the classes I could afford each semester. Eventually I decided on a career path in computer science with a minor in accounting. When I finished the jobs out there in my field of choice payed less than I was making. It was depressing. Finally I got my break when the I.S. specialist where I worked quit. I went right into the GMs office and handed him my resume`. I got the job. Funny thing is I don't work in any of the fields now that I went to college for. I'm a design engineer now. I kept my eyes opened for opportunities and took what sounded interesting. Eventually I ended up here and couldn't be happier.

I guess what I'm saying is; you don't know where you will end up but don't quit. Where will you be in 5 years if you don't go back to college?
Where will you be if you do? Possibly the same place but I guarantee there will be more options if you finish what you started at college. Also don't be set on finding a job near home. I relocated and it's not a bad thing.