It seems like you have a number of financial problems to address, so you need unravel them one at a time.

I can't speak to all of your concerns, but one place to start so that this doesn't get out of control is to address your bills. Figure out who you owe money to (car insurance? phone? rent?) and write them an official letter explaining your current financial situation and inability to make payments. Assess how much you can pay and ask them to work with you on this. Also, contact your credit card company and talk to them to see what you can do.

Are there any odd jobs you can land just to make a bit of cash to get you through? Looking on craigslist and such...

Another thing that you've already acknowledged is that you can't live the lifestyle of many around you. Keep this in mind, so that when you do get some money you can create a strict and realistic budget for yourself.

Good luck, and sorry I can't be of more use.

Hey, hope I can help out with some advice:

• You should keep searching for jobs; try to take advantage of what you have already learned in school. I sincerely doubt that you are only qualified to answer phones if you are already a college sophmore. For example, I am in the process of becoming an engineer. I currently have a internship at Detroit Diesel Corporation which allows me to both gain field experience AND earn money ( a decent chunk of change for a college student I might add). I don't exactly know what your major is from you original post, but hopefully you get the drift of what I am trying to lay down here


• You need to sit down for a bit and figure out your costs vs. income for like a year in advance. See what costs you the most as far as bills go. What can you do to reduce them? What can you live without? Be serious here. Beer, smokes, anything frivolous like that is going to be MIA until you are on better terms. Also, you need to track spending on food and entertainment costs (write down EVERYTHING). If you are in a bind for cash, eating out and entertainment costs will effectively come to $0 until you find yourself in better times. Otherwise, the yearly plan will let you know what you can afford to spend per month without getting into trouble (you can't expect to spend the whole year without a bit of fun, you will go crazy lol). The hardest part of this is sticking to the plan.


• Dont let the people around you control you. Life is not fair to everybody, and while thier parents pay thier way through school, they will never understand the value of money like you will. Those people will be worse of than you are after school is over, when they suddenly have to control thier own assests.Most likely, they will dig themselves into a giagantic hole with thier spending habits and lack of job experience. If you can weather this storm right now, you will come out a much stronger person in the end, and that will definitely carry over into your work after school. Trust me, I know exactly where you are coming from, because I grew up in pretty much the same scenario as you did. Those rich kids usually don't amount to much, they just live off their parents forever. You will be thier boss someday. True statement.