Frustrated with life and finances

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I’m just getting frustrated with life. I had to move back in with my parents due to financial and health reasons, which is really pushing on my health by itself by adding a lot more stress. I’m facing medical bills in the several thousand dollars even with insurance. I’m desperately trying to find decent paying work and finding out that you need either several years of experience or degrees I don’t have to get anything more than $10/hr part time. At this point it feels like I’m only working so I can spend all my money on the next crisis - I try to save and money just comes out for the next big thing (mostly medical expenses). My health does limit my working hours - I can do full time but I can’t do the 60-80 it would take to rent a place around here at the wages I can find.

I just want to give up on the whole mess, quit working (it’s not like I get much from it) and just stop trying to improve my life - it’s not like my efforts for years to do so have done anything except make me tired and miserable.

Edit: I had no idea where to put this, since we don’t have a finances forum anymore.
 
I’m just getting frustrated with life. I had to move back in with my parents due to financial and health reasons, which is really pushing on my health by itself by adding a lot more stress. I’m facing medical bills in the several thousand dollars even with insurance. I’m desperately trying to find decent paying work and finding out that you need either several years of experience or degrees I don’t have to get anything more than $10/hr part time. At this point it feels like I’m only working so I can spend all my money on the next crisis - I try to save and money just comes out for the next big thing (mostly medical expenses). My health does limit my working hours - I can do full time but I can’t do the 60-80 it would take to rent a place around here at the wages I can find.

I just want to give up on the whole mess, quit working (it’s not like I get much from it) and just stop trying to improve my life - it’s not like my efforts for years to do so have done anything except make me tired and miserable.

Edit: I had no idea where to put this, since we don’t have a finances forum anymore.
Well, it gets you out of the house? That’s something.

I’m really sorry to hear that you had to move back in.

Here’s a thought–look around for summer kids’ programs and see if you can work something into your schedule. I know someone with similar credentials, for instance, who is probably going to be teaching a summer logic and paradoxes class for gifted high schoolers. I believe they pay $300 for a week with 7.5 contact hours. You can’t really live on that type of thing, but it could move the needle a little. Summer is fantastic for picking up that sort of thing.

ESL is also a good idea. We have a good friend who (thanks to bipolar) is virtually unemployable (he has a long history of getting good jobs and then getting fired), but he has been teaching online ESL with great success (I believe to East Asians).

Also, how about SAT tutoring? I bet you’d be very good. The hourly rate on that would also be very satisfying. Come to think of it, you could also edit and give advice on college applications.
 
With your medical issues, do you qualify for any kind of disability or other assistance programs? Could you consult your parish or the diocese about social services? They can usually put you in touch with the exact folks to help you.

(SAT teaching is a great idea, too. The hourly rate when I taught started at $18/hr for a course and more for private tutoring, plus $10/hr just to proctor practice exams.)
 
With your medical issues, do you qualify for any kind of disability or other assistance programs? Could you consult your parish or the diocese about social services? They can usually put you in touch with the exact folks to help you.

(SAT teaching is a great idea, too. The hourly rate when I taught started at $18/hr for a course and more for private tutoring, plus $10/hr just to proctor practice exams.)
The thing is that I can work 40 hours a week if someone would hire me for that at a reasonable rate of pay. Which means that I’m not eligible for any assistance - it’s just that with cost of living around here I’d either have to work 60 to 80 hours a week to live on my own, or find a much better paying job.

Oh yeah, and I now have 2 lower grades in my graduate program due to health and other issues messing with my papers, which means my chance of going on in my chosen field is very low.
 
The thing is that I can work 40 hours a week if someone would hire me for that at a reasonable rate of pay. Which means that I’m not eligible for any assistance - it’s just that with cost of living around here I’d either have to work 60 to 80 hours a week to live on my own, or find a much better paying job.

Oh yeah, and I now have 2 lower grades in my graduate program due to health and other issues messing with my papers, which means my chance of going on in my chosen field is very low.
Bummer!
 
The thing is that I can work 40 hours a week if someone would hire me for that at a reasonable rate of pay. Which means that I’m not eligible for any assistance - it’s just that with cost of living around here I’d either have to work 60 to 80 hours a week to live on my own, or find a much better paying job.

Oh yeah, and I now have 2 lower grades in my graduate program due to health and other issues messing with my papers, which means my chance of going on in my chosen field is very low.
Do you have to live alone, or could you live with a roommate?

Also, with the teaching or a job similar (could you handle babysitting an evening or two a week?) you could easily bank as much as you would working many more hours at a regular minimum wage job, which would put less stress on you but bring in more income.
 
I’m facing medical bills in the several thousand dollars even with insurance. I’m desperately trying to find decent paying work and finding out that you need either… I try to save and money just comes out for the next big thing (mostly medical expenses). My health does limit my working hours - I can do full time but I can’t do the 60-80 it would take to rent a place around here at the wages I can find.
First, I am not sure where you live, but you may need to relocate. You can do your own research online and determine which areas of the country are experiencing the most economic growth, and have a more reasonable cost of living.

Secondly, you may have to take a lower paying position at first, but you need to work your hardest to make an impression on your superiors to open doors to move up the food chain. That means working harder, smarter, friendlier, and with a better work ethic than your peers. You have to start somewhere, and employers are always looking for talented workers that want to go the extra mile.

I have personally witnessed this myself many times with people from all walks of life.

You also need to work on having a positive attitude. Medical hardships are difficult, and you are under tremendous stress. You have to start where you are right now, take an inventory of your talents and abilities, and move forward.

Lastly, do your homework. Get to the library and start making a list of the types of companies where you would want to work. What interests you? Are you more computer savvy, or prefer old school pen and paper? Like the outdoors, or do you want a desk job? Whatever your preference, you can find a company that will fit your personality type and interest level. Research, research, and more research. You can do so much right from a laptop if you are aggressive.

Start with a list of 50 local companies. Find the names of the owners on Manta or on their web site, and do a call blitz. Show up at their doorstep in your Sunday best, clean hair cut, and a snazzy resume. Shake their hand. Be polite. Tell them you are actively seeking your next employment opportunity. Be serious. You have to go after what you want.

There are millions of companies with unique niche markets that you never even imagined that are all looking for good employees. Small entrepreneurs are constantly trying to find people that are committed to helping to grow their company.

If you get discouraged, motivation is a click away. You can find all kinds of motivational speakers online, and world class speakers on CDs at your local library, and spiritual strength at your church. Watch some of the Rocky movies if you need inspiration. It’s up to you to make the effort.

Make the calls. Do your homework. Get active. Don’t let this medical hardship detract from your success. Fight, fight, fight.
 
Unfortunately part of the problem with finances is it’s a pretty big outlay to up and move somewhere. I don’t have the skills that are going to get a company to pay relocation, and it’s a good chunk of money to move somewhere - money that I don’t have.

I’m just tired. I’ve been fighting this medical mess for 6+ years now, and I feel like all I’ve done is derail my life. I want to take a break from fighting and just enjoy myself for a little bit for once.
 
How about working by computer from you home?
I’ve looked into it but I never found work that was worth the time that didn’t require specialized skills I don’t have. Most “work from home” type stuff pays pennies per hour for most people. Maybe 2 or 3 dollars if you really get into it.
 
Have you tried contacting any recruiters to help you find a job?? I can help you try finding a job, and send you things that I find online. I actually would enjoy doing that, so if you need extra hand in looking for a job, pm me 🙂
 
Unfortunately part of the problem with finances is it’s a pretty big outlay to up and move somewhere. I don’t have the skills that are going to get a company to pay relocation, and it’s a good chunk of money to move somewhere - money that I don’t have.
Understood. Then start where you are, and work towards that goal. It’s up to you.

The sooner you realize that the cavalry is not coming to save the day, the faster you will get moving. Only you can help yourself in this situation.

Most Americans don’t have a rich uncle that can give them a sweetheart job. If you want what you say you want, you are going to have to fight for it yourself. No one can do that for you.

Yes, we can and will pray for you. But you have to take the first step. That means personal initiative, which is still in very high demand in the marketplace.
I’m just tired. I’ve been fighting this medical mess for 6+ years now, and I feel like all I’ve done is derail my life. I want to take a break from fighting and just enjoy myself for a little bit for once.
The truth is that we are all tired. Many people in the West have faced similar challenges, and even worse. You are not alone. People face all kinds of problems - bankruptcy, life-threatening illnesses, and worse. The good news is that you can survive and even thrive after these bad situations if you choose to do so.

You will enjoy life more when you are gainfully employed earning a living wage.

When you are faced with mounting legal or medical bills, that is the very time that you need to muster your spirit and fight.

This sounds more like an income problem than anything else. Once you become gainfully employed earning a living wage, you can vanquish these medical bills and get on with your life.

You need to take the proactive, daily steps towards becoming gainfully employed at a living wage. Only you can do that with a formal, nationwide job search requiring considerable time, work, and effort on your part. Recruiters can help. But you have to actually make the effort to contact the recruiter and sell someone on why their client would want to hire you.

Taking the foot off the brake now will only make your situation that much worse.

One more thing - A lot of employers don’t want someone with “experience”. They would rather mold their employees with a clean slate, and want a younger person with more energy, verve, and enthusiasm, as well as tech skills older employees may lack.

Jobs are everywhere. People die, retire, switch positions, and get promoted every day which opens up new positions in the marketplace, even in areas of the country with weak job markets.

The most job opportunities, and the easiest to find, are with smaller, growing companies run by aggressive entrepreneurs. They are always looking for people to help them grow their company, especially if you have any kind of business development or soft sales skills that will help them to grow their client base.

You may have to start at the bottom with a lower-paying job and work your way up. As you gain skills and knowledge, you will become more confident, mature, and more marketable. Again, it’s all up to you.

There was a time shortly after college where I had to live with my parents. I dreaded every moment and moved out as soon as I could afford to do so. That meant moving into a small one bedroom apartment in a lower middle income part of town. I was earning $8 per hour at the time, after having burned myself out in a straight commission sales job the year prior that was barely paying me poverty level wages working for a crooked employer.

A year later, I moved again into a much nicer apartment, albeit a small apartment, in a nicer part of town when I finally landed my first “corporate” job. Every 2-3 years I continued to move to nicer places until I could finally afford my own condo and then eventually my own very nice and larger home, which is now owned almost free and clear.

There have been ups and downs along the way, including medical scares and job gains and losses.

Years later, I am pretty close to being financially independent and have a good foothold on reaching millionaire status if I keep at the same pace between now and retirement age. And millionaire status doesn’t mean much these days - You need at least a million to keep the wolves away from the door if you plan to survive after age 65 with any level of independence.

You have to start somewhere, and you have to take small, incremental steps to get where you want to go.

America is still the land of opportunity. They haven’t killed that idea yet, although the politicians will try to convince you otherwise.
 
You might see if you have options to renegotiate your medical debt.

From here:
If you can’t fully pay your debt, go to the hospital administrator with your hat in your hand. Don’t have any sense of entitlement, because you are asking for mercy. Explain your situation to them in person, showing your income and what you can realistically pay. Tell them how grateful you are for the service they provided. Then ask if they are willing to settle for a lower amount or work out a payment schedule.
This also notes that you may get overcharged or your insurance company neglects to pay things that are covered.
 
You might see if you have options to renegotiate your medical debt.

From here:

This also notes that you may get overcharged or your insurance company neglects to pay things that are covered.
It’s usually not too far above what I can pay - it’s just that it seems like life is one expense after another, and with the high rate of my expenses I’m not really getting a chance to save up money. I’m paying all my expenses except for housing costs right now on a part-time job. It’s less a few big bills and more being nickel and dimed out of everything.

I’m not young enough to be the fresh out of college graduate, and I’m not experienced enough to have something to show for it. My degree isn’t useful without a PhD and with 2 B+/A- grades on my record my chance at getting a PhD is basically shot now. I really want to find a way to go back to school but that’s expensive and I don’t want to take on more debt.
 
It’s usually not too far above what I can pay - it’s just that it seems like life is one expense after another, and with the high rate of my expenses I’m not really getting a chance to save up money. I’m paying all my expenses except for housing costs right now on a part-time job. It’s less a few big bills and more being nickel and dimed out of everything.

I’m not young enough to be the fresh out of college graduate, and I’m not experienced enough to have something to show for it. My degree isn’t useful without a PhD and with 2 B+/A- grades on my record my chance at getting a PhD is basically shot now. I really want to find a way to go back to school but that’s expensive and I don’t want to take on more debt.
If you have some papers that are good and interesting enough, I think you can probably work around the grades.

Also, if you are a female metaphysician (as opposed to a female ethicist), that makes you very valuable and easier for your future department to place.

Good luck!
 
I asked the academic who lives at my house what he thinks of those grades. He says plenty of successful graduate applicants have A minuses. He also says B+ just means “don’t specialize in this area.”

He also says almost nobody looks at the transcript. And that applies for job applicants, too–nobody is looking at grades.
 
If you have some papers that are good and interesting enough, I think you can probably work around the grades.

Also, if you are a female metaphysician (as opposed to a female ethicist), that makes you very valuable and easier for your future department to place.

Good luck!
How does female logician/epistemologist sound? That is my big thing going for me.

Oddly, one of those grades was from a class I was specializing in, I just ended up taking the final with a migraine and it didn’t go so well.
 
How does female logician/epistemologist sound? That is my big thing going for me.
He says “pretty good,” particularly if your teaching skills are good.

My husband says there are more female epistemologists than there used to be.

If you are in a college town, try tutoring logic (a lot of people struggle with it).
 
Also, do you know any languages that you could tutor for?

Long term, if the academic thing doesn’t pan out, I would suggest considering doing community college programming courses. It is possible to work at home and produce apps if you have the right kind of mind (which it sounds like you do). Back in the day, my husband was earning $800-$900 a month from app sales from just hobby programming. Sales have slowed down a bit ($400ish–he’s not working as much on it), but there is the potential for creating a pipeline that continues to produce income even when you’re not working much on it.
 
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