I feel like a few of you are implying that I'm not serious about paying my debt. I'm not sure where that's coming from, but I appreciate the advice regardless.
Do you plan on getting another or a different job, or you're just chillin' with the job you have for now? For one, you need to start working 40 hours (full time). Oh..are you still in high school?
Do you have some kind of strike it rich idea in your brain or are you seriously planning on working retail forever?
They're giving me more hours but I don't know how long that will last. I worked 36 hours last week and know I need to work full time.
I graduated high school a few months ago.
Neither. Retail was just a convenient first step. I needed to make money somehow. I do have some ideas for alternate streams of income but they've ended up on the backburner. That will change soon.
Some may disagree with me, but until you find more work, no credit cards for you. You already have debt to work on I don't think you have any need for anymore right now.
Well, does anyone disagree with this? I do, but that goes without saying. I would trust myself not to get into credit card debt but I don't blame others for questioning that.
You should open a Roth IRA as soon as you start getting a paycheck.
Here's some conflicting advice. Others here are saying not to contribute yet since I'm in debt and I'm "only 18".
Is everyone in agreement about throwing most of what I earn at the debt? About $700 a month?
Bottom line: Spending time reorganizing your finances right now is an example of missing the forest through the trees. It will all be for naught if you don't come up with a plan to tap your true earning potential.
Thanks for the vote of confidence. I should probably add that I went to a vocational high school where I "majored" in graphic communications. It was half design and half printing. I wasn't too proficient but it's a trade I continue to think about.
I've ruled out the military for personal reasons.
I remember reading somewhere that carpenters, in particular, continue to be in demand, but fewer people are choosing carpentry as a profession, so there's a real need for new carpenters.
I've heard that as well. I didn't get to "explore" the carpentry shop when I was a freshmen. I did "explore" auto tech and auto body each for a week and I can say that it's not something I'm interested in.