blindsided

[DnJ]

Good Morning aph

I too am wondering if you’re eligible to alimony/support from STBXW. It sounds like you would be with what you’ve shared.

Anyhow, on to the meat of your present financial conundrum.

Im moving out april 1st and i was going over my budget i basically have like 500$ to pay for rent groceries and gas after i pay all my bills.

To clarify, $1718 (2218-500) of monthly expenses not related to rent, groceries, or gas. So car loan, credit cards, other loans, and other liabilities.

i have a car accident settlement coming up in about 2 months. i could get back enough to pay off all my credit card bills, my car. that would free up about 500$.

A $500 savings due to credit cards and car payments would likely equate to around a $20000 settlement. I estimated the car would be middle of its term and credit cards were of course high interest.

With your credit cards and car loan paid off, that would place your other loans and liabilities at $1218/month. That’s a $60000 loan over 5 years.

Are these other liabilities solely your’s? Or were they joint? If joint, are only taking on your share?

It sounds like your disability payment is garnished if you have other sources of employment income. If that is not the case, then any income is extra and welcomed. However, even if additional income is subtracted from your disability, employment would provide more than the $13.86/hr full time equivalent you are currently receiving.

im looking for a room to rent.

Your amount available for accommodations is limited. You could consider a roommate to perhaps afford more than a basement room/suite.

jobs ive been looking at that i could take online courses would take about 2 yrs.

It sounds like you are willing and eager to work. Find employment that does not exacerbate your injury/recovery. Almost anything will provide a better income stream than you are presently receiving. While working and paying down your loans, take that online training/courses. In time, progress to better and better jobs or promotions. Pay off debts, acquire savings, good credit history, a better rental, then a house, a mortgage, and so on.

Starting over svcks! Yet, you are not starting from square one. You’ve got a lifetime of experience and wisdom to draw upon.

We miss 100% of the pitches we don’t swing at. Face this. Swing. Keep swinging. And knock it out of the park!

I believe in you man. You got this.

D