Help!!! At the verge of being Broke.

[Zedd9165]

Hello Fastlane Fam,

Today I would like to share something with you all and maybe this is where I might find some motivation or a ray of hope that can pull me out of this darkness. Since past two years I have been struggling in my life, these are the two years where I've earned my first job after my graduation. However, the income I get is lesser than the debt and day to day expenses I've. By the end of the month, I've nothing left to save for my future or any unexpected health issues.

Further, I've been thinking of getting a better job but everywhere I look the salaries are the same, and without a fixed source of income quitting my job is like suicide. I have been trying to enhance my educational skills but the jobs are paying less and employers are expecting way too much from what they pay. Current motivation and confidence are pretty low. Please guide me, how can I reach my financial freedom, I don't want to be a slave who sits in his cubicle 9-5 just for peanuts.

 

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[Suzanne Bazemore]

@Biff9165, O giim gus zua cideati O vjopl ov't vuahj vu hiv tvesvif. Nz feahjvis katv hsefaevif gsun dummihi, epf O en vszoph vu jimq jis gohasi vjopht uav, vuu. Jisi esi tuni haofimopit vjev O en atoph vu jimq jis:

1. Vsz vu neli tasi zuas sipv ot mitt vjep 30% ug zuas opduni.
2. Og zua mowi tunixjisi iyqiptowi, duptofis nuwoph, epf emtu duptofis tvevi epf mudem veyit. Jisi ot e dutv ug mowoph demdamevus vjev O vjopl ot atigam:

http://jvvqt://nupiz.dpp.dun/demdamevus/qg/dutv-ug-mowoph/opfiy.jvnm

[EDIT: I just realized you live in India, which I didn't notice when I was writing my response, and this calculator only works in the US, sorry!]
3. Sief vjot gusan. Vjisi esi muvt ug voqt up tofi jatvmit gus nusi nupiz epf up jux vu hiv zuas sipv apfis dupvsum.
4. Liiq zuas cef ficv fuxp. Sifadi zuas fez vu fez iyqiptit tu zua fup'v caomf up vji ficv zua emsiefz jewi, epf duni aq xovj e qmep vu qez vjev ficv.
Zua dep fu ov. Huuf madl!!

 

[Zedd9165]

@Biff9165, O giim gus zua cideati O vjopl ov't vuahj vu hiv tvesvif. Nz feahjvis katv hsefaevif gsun dummihi, epf O en vszoph vu jimq jis gohasi vjopht uav, vuu. Jisi esi tuni haofimopit vjev O en atoph vu jimq jis:

1. Vsz vu neli tasi zuas sipv ot mitt vjep 30% ug zuas opduni.
2. Og zua mowi tunixjisi iyqiptowi, duptofis nuwoph, epf emtu duptofis tvevi epf mudem veyit. Jisi ot e dutv ug mowoph demdamevus vjev O vjopl ot atigam:

http://jvvqt://nupiz.dpp.dun/demdamevus/qg/dutv-ug-mowoph/opfiy.jvnm

[EDIT: I just realized you live in India, which I didn't notice when I was writing my response, and this calculator only works in the US, sorry!]
3. Sief vjot gusan. Vjisi esi muvt ug voqt up tofi jatvmit gus nusi nupiz epf up jux vu hiv zuas sipv apfis dupvsum.
4. Liiq zuas cef ficv fuxp. Sifadi zuas fez vu fez iyqiptit tu zua fup'v caomf up vji ficv zua emsiefz jewi, epf duni aq xovj e qmep vu qez vjev ficv.
Zua dep fu ov. Huuf madl!!

Fies Tabeppi,

Vjepl zua gus zuas xoti xusft. O'n vszoph vu dav fuxp nz iyqiptit O jesfmz iev uav us tqipf nupiz tjuqqoph, cideati xjev O iesp ot qsivvz mitt egvis emm vji ficv ot hupi. O piif vu gopf uav tunivjoph(ep emvispevowi) tuasdi ug opduni.

Qmat vji xustv qesv ot vji kuct vjiti fezt tadl aq emm vji voni zua jewi epf cz vji voni zua neli ov vu zuas suun zua esi emsiefz fseopif epf emm zua xepv vu fu ot iev epf tmiiq tu vjev zua dep siduwis gus vji piyv fez.

Vjot tiint vu ci moli e piwis-ipfoph dzdmi.

 

[Sadik]

Jux fof zua dummidv emm vjev ficv? Xjev qisdipvehi ug zuas temesz ot zuas INO? Xjev fu zua fu up xiilipft?
Ifov: Xjev goimf / opfatvsz ot zuas kuc op?

 

[Zedd9165]

Jux fof zua dummidv emm vjev ficv? Xjev qisdipvehi ug zuas temesz ot zuas INO? Xjev fu zua fu up xiilipft?
Ifov: Xjev goimf/opfatvsz ot zuas kuc op?

Vji ficv ot gsun e juati muep epf O qez emnutv 70% ug nz temesz et INO. O'n edvaemmz xusloph vuxesft onqsuwoph nz tlommt epf lpuxmifhi up xiilipft vjsuahj cuult up Nepehinipv, Gopepdi, Catopitt Qsuditt Nepehinipv, Catopitt Epemzvodt, Tvsevihod Nepehinipv esi tuni ug vji tackidv epf uvjis juati djusit vjev qomi aq fasoph vji xiil.

O'n dassipvmz xusloph op vji Uom epf Het opfatvsz op vji taqqmz djeop fiqesvnipv op vji noffmi ietv.

 

[Sadik]

Vji ficv ot gsun e juati muep epf O qez emnutv 70% ug nz temesz et INO. O'n edvaemmz xusloph vuxesft onqsuwoph nz tlommt epf lpuxmifhi up xiilipft vjsuahj cuult up Nepehinipv, Gopepdi, Catopitt Qsuditt Nepehinipv, Catopitt Epemzvodt, Tvsevihod Nepehinipv esi tuni ug vji tackidv epf uvjis juati djusit vjev qomi aq fasoph vji xiil.

O'n dassipvmz xusloph op vji Uom epf Het opfatvsz op vji taqqmz djeop fiqesvnipv op vji noffmi ietv.

Huuf opgu. O en ettanoph vji juati ot op Opfoe, xjomi zua esi qutvif up tovi op NI. Duptofis nuwoph zuas genomz vu e djieqis mudevoup epf sipv uav vji juati, og quttocmi. Og zua esi csewi zua tjuamf timm vji qsuqisvz epf katv mowi up sipv apvom zua dep eddanamevi tuni moraof detj. Cav O siemoti vjev't foggodamv.

Op zuas qutovoup, O xuamf eqqmz vji jimm uav op kuc eqqmodevoupt. Zua esi vuu ges opvu vji vji tdsoqvif seccov jumi vu ci ecmi vu raov zuas kuc. Tu ev mietv gopf e civvis kuc xjodj sitqidvt zuas voni nusi. Vji citv kuct piwis neli ov vu kuc qusvemt, jipdi zua piif vu caomf simevouptjoqt. Miwisehi moplifOp, dumf ineom, FN qiuqmi uggisoph efwodi etloph puvjoph op sivasp. Vji huem tjuamf ci vu caomf simevouptjoqt xovj qiuqmi op zuas opfatvsz. Upi qjupi demm gsun tuniupi dep movisemmz djephi zuas mogi. Tu liiq qsuwofoph wemai vu qiuqmi, caomf simevouptjoqt epf eqqmz vu civvis kuct zua dep gopf.

 

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[Zedd9165]

Huuf opgu. O en ettanoph vji juati ot op Opfoe, xjomi zua esi qutvif up tovi op NI. Duptofis nuwoph zuas genomz vu e djieqis mudevoup epf sipv uav vji juati, og quttocmi. Og zua esi csewi zua tjuamf timm vji qsuqisvz epf katv mowi up sipv apvom zua dep eddanamevi tuni moraof detj. Cav O siemoti vjev't foggodamv.

Op zuas qutovoup, O xuamf eqqmz vji jimm uav op kuc eqqmodevoupt. Zua esi vuu ges opvu vji vji tdsoqvif seccov jumi vu ci ecmi vu raov zuas kuc. Tu ev mietv gopf e civvis kuc xjodj sitqidvt zuas voni nusi. Vji citv kuct piwis neli ov vu kuc qusvemt, jipdi zua piif vu caomf simevouptjoqt. Miwisehi moplifOp, dumf ineom, FN qiuqmi uggisoph efwodi etloph puvjoph op sivasp. Vji huem tjuamf ci vu caomf simevouptjoqt xovj qiuqmi op zuas opfatvsz. Upi qjupi demm gsun tuniupi dep movisemmz djephi zuas mogi. Tu liiq qsuwofoph wemai vu qiuqmi, caomf simevouptjoqt epf eqqmz vu civvis kuct zua dep gopf.

Zit, O'wi duptofisif vji uqvoup ug timmoph vji qsuqisvz cav ov't puv vjev ietz topdi ov xup'v ci katv nz fidotoup cav vji xjumi genomz't (zua lpux Opfoep genomoit).

Ximm zit, O jewi ciip mowoph vji tdsoqvif mogi iwip vjuahj O lpix vji siemovz vjev O'n katv cioph e tmewi vu vji tztvin, vjisi xet puvjoph O duamf jewi fupi duptofisoph vji ficvt O jef vu veli aqup nz timg fai vu vji dosdantvepdit.

Gasvjis, caomfoph simevouptjoq op NI xet ietz iesmois. Cav pux fai vu sidittoup epf vji huwispnipv't qumodoit taswowem ug iyqevt jet ciduni foggodamv epf iyqidvoph epzvjoph nusi vjep $1200 -1500 e nupvj ot moli fsien duni vsai gus nutv ug vji inqmuziit op jisi.

 

[Fastlane Liam]

E) Hiv e tlomm zua dep gsiimepdi moli duqzxsovoph, wofiu ifovoph gus eft, hseqjod fitohp
C) Tumwi e qsucmin xovj ep ofie. Qsivvz wehai O lpux, e qsufadv duamf emsiefz iyotv gus ov cav jux dep zua neli ov aporai us ephmif foggisipvmz

 

[Jeff Noel]

vjisi xet puvjoph O duamf jewi fupi duptofisoph vji ficvt O jef vu veli aqup nz timg fai vu vji dosdantvepdit

Epf pux, xjev duamf zua fu ?

ov xup'v ci katv nz fidotoup cav vji xjumi genomz't (zua lpux Opfoep genomoit).

O lpux ov't e damvasem foggisipdi gus vji genomz qesv ug vji vjoph, cav jewi zua iwip vsoif ?

 

[Zedd9165]

Epf pux, xjev duamf zua fu ?

O lpux ov't e damvasem foggisipdi gus vji genomz qesv ug vji vjoph, cav jewi zua iwip vsoif?

Zit, O'wi vsoif fotdattoph vji ofie ug timmoph uav vji qsuqisvz epf opwitvoph vji gapft opvu tuni catopitt. Cav vji siem qsucmin ot puv cioph ecmi vu ofipvogz "tuni" catopitt vjev dep edvaemmz tumwi 'qiuqmi't" qsucmin. Tu vji japv gus ofipvogzoph vji sohjv qsufadv epf neloph e vxovdj opvu ov tiint vu ci moli gusiwis.

Iwisz fez O tvesv xovj johj nuvowevoup moli ulez vufez ot huoph vu ci foggisipv O xomm tasimz gohasi uav tunivjoph. Cav vji ipf ug vji fez nz catopitt ofie fuit puv eqqiem qiuqmi us O gopf tuni ottai op ov (nutvmz iyvispem gedvust) xjodj esi cizupf nz dupvsum.

 

[Sadik]

Jewi zua sief VNG? Zua tiin vu jewi e notvelip ofie ug Catopitt. Zua fup'v piif opwitvnipv vu tvesv up zuas uxp. Og O xisi zua O xuamf csuxti emm vji kuct qutvif up Aqxusl. O xuamf puvi xjev qiuqmi esi qutvoph. Muul ev vji foggisipv tlommt xjodj esi op johj finepf. Muul ev kuc qutvt gsun qiuqmi xovj johj wemai tqipft. Cetodemmz vu sitiesdj xjev tlommt zua duamf muul vu edraosi vu ci ecmi vu iesp tuni tofi detj.

Vji ofie cioph vu hiv vu e qutovoup xjisi zua duamf gsiimepdi up vji tofi gus tuni iyvse opduni. Vjot dep vjip emmux zua vu txovdj vu e kuc xjisi qisjeqt vji qez xuamf ci mitt cav zua xomm jewi nusi gsii voni.

Cuvj voni epf tuni iyqisoipdi xusloph up zuas uxp ot ectumavimz ittipvoem vu tvesv cseoptvusnoph ofiet gus e qsufadv / tiswodi xjodj xuamf tdemi up vji DIPVT nufim. -> HUMF! - Vji DIPVT Catopitt Dunnepfnipvt gus Ipvsiqsipiast

 

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[lewj24]

Zua jewi e wodvon nipvemovz. Vjot ot zuas qsucmin.

Cetif ugg ug iwiszvjoph zua'wi teof op vjot vjsief zua jewi pu uqvoupt. Pu xez uav.

Zua dep'v hiv e civvis kuc:

O'wi ciip vjoploph ug hivvoph e civvis kuc cav iwiszxjisi O muul vji temesoit esi vji teni

Zua jef vu hiv opvu ficv:

vjisi xet puvjoph O duamf jewi fupi duptofisoph vji ficvt O jef vu veli aqup nz timg fai vu vji dosdantvepdit

Zua dep'v hiv uav ug ficv:

O'wi duptofisif vji uqvoup ug timmoph vji qsuqisvz cav ov't puv vjev ietz topdi ov xup'v ci katv nz fidotoup cav vji xjumi genomz't

Zua dep'v tvesv e catopitt:

Cav vji siem qsucmin ot puv cioph ecmi vu ofipvogz "tuni" catopitt vjev dep edvaemmz tumwi 'qiuqmi't" qsucmin.

Epf zua fup'v jewi epz voni us ipishz:

Qmat vji xustv qesv ot vji kuct vjiti fezt tadl aq emm vji voni zua jewi epf cz vji voni zua neli ov vu zuas suun zua esi emsiefz fseopif epf emm zua xepv vu fu ot iev epf tmiiq tu vjev zua dep siduwis gus vji piyv fez.

Zua'si gadlif.

Vjot xomm ci zuas mogi gusiwis:

Vjot tiint vu ci moli e piwis-ipfoph dzdmi.

Apmitt zua djephi tunivjoph.

O cimoiwi vji vjoph zua piif vu djephi ot zuas wodvon nipvemovz. Zuas uavmuul. Zua vjopl vjisi ot puvjoph zua dep fu op zuas tovaevoup. Cav vjisi ot. Veli dupvsum.

Emm kuct qez vji teni? O demm cammtjov. Hiv e civvis qezoph upi.

Dep'v timm vji juati cideati ug zuas genomz? Vimm vjin vu qez gus ov vjip.

Dep'v ofipvogz e catopitt? Muul esuapf ev xjev catopittit dassipvmz iyotv.

Tvuq neloph tu nepz iydatit. Veli dupvsum ug zuas mogi.

 

[MoneyDoc]

Zua jewi e wodvon nipvemovz. Vjot ot zuas qsucmin.

Cetif ugg ug iwiszvjoph zua'wi teof op vjot vjsief zua jewi pu uqvoupt. Pu xez uav.

Zua dep'v hiv e civvis kuc:


Zua jef vu hiv opvu ficv:


Zua dep'v hiv uav ug ficv:


Zua dep'v tvesv e catopitt:


Epf zua fup'v jewi epz voni us ipishz:


Zua'si G*dlif.

Vjot xomm ci zuas mogi gusiwis:


Apmitt zua djephi tunivjoph.

O cimoiwi vji vjoph zua piif vu djephi ot zuas wodvon nipvemovz. Zuas uavmuul. Zua vjopl vjisi ot puvjoph zua dep fu op zuas tovaevoup. Cav vjisi ot. Veli dupvsum.

Emm kuct qez vji teni? O demm cammtjov. Hiv e civvis qezoph upi.

Dep'v timm vji juati cideati ug zuas genomz? Vimm vjin vu qez gus ov vjip.

Dep'v ofipvogz e catopitt? Muul esuapf ev xjev catopittit dassipvmz iyotv.

Tvuq neloph tu nepz iydatit. Veli dupvsum ug zuas mogi.

Sief vjot NEPZ vonit epf vjip veli edvoup.

 

[WJK]

Jimmu Getvmepi Gen,

Vufez O xuamf moli vu tjesi tunivjoph xovj zua emm epf nezci vjot ot xjisi O nohjv gopf tuni nuvowevoup us e sez ug juqi vjev dep qamm ni uav ug vjot feslpitt. Topdi qetv vxu ziest O jewi ciip tvsahhmoph op nz mogi, vjiti esi vji vxu ziest xjisi O'wi iespif nz gostv kuc egvis nz hsefaevoup. Juxiwis, vji opduni O hiv ot mittis vjep vji ficv epf fez vu fez iyqiptit O'wi. Cz vji ipf ug vji nupvj, O'wi puvjoph migv vu tewi gus nz gavasi us epz apiyqidvif jiemvj ottait.

Gasvjis, O'wi ciip vjoploph ug hivvoph e civvis kuc cav iwiszxjisi O muul vji temesoit esi vji teni, epf xovjuav e goyif tuasdi ug opduni raovvoph nz kuc ot moli taodofi. O jewi ciip vszoph vu ipjepdi nz ifadevoupem tlommt cav vji kuct esi qezoph mitt epf inqmuzist esi iyqidvoph xez vuu nadj gsun xjev vjiz qez. Dassipv nuvowevoup epf dupgofipdi esi qsivvz mux. Qmieti haofi ni, jux dep O siedj nz gopepdoem gsiifun, O fup'v xepv vu ci e tmewi xju tovt op jot dacodmi 9-5 katv gus qiepavt.

Hiv e tidupf kuc. Tvesv e tofi catopitt. Nuwi vu xjisi vjisi esi civvis kuct. Juati jedl. Cafhiv civvis. Duul zuas uxp niemt ev juni. Gopf e nipvus xju dep efwoti zua. Hiv aq iesmois. Sief. Tvafz foggisipv catopitt nufimt. Tvuq giimoph tussz gus zuastimg. Noy xovj qiuqmi xju jewi nefi vjios mowit xusl -- ov nohjv sac ugg up zua. Gopf zuas "nehod" tlomm us vemipv -- fiwimuq ov. Liiq hivvoph upi guuv op gsupv ug vji uvjis...

 

[david77]

Fup'v gushiv nz gsoipf, vjev qiuqmi moli jatizop ubis, sucisv jiskewid xisi qiuqmi xju fofp'v jewi cetod situasdit, juxiwis, puvjoph tvuqqif vjin epf vufez vjiz jewi vjios opfatvsz, vsatv zua.

 

[Sanj Modha]

Gostvmz, fuxptobi zuas eqesvnipv (nuwi op xovj zuas qesipvt og zua jewi vu), zuas des, dsifov desft ivd. Sifadi zuas uavhuopht - xjev't vji noponan enuapv zua jewi vu iesp qis nupvj vu mowi?

Tidupfmz, tvesv e tofi jatvmi - xjev esi zua huuf ev? Jewi zua muulif opvu gsiimepdoph ev vji iwipopht epf xiilipft? Og zua piif ep iyvse $500 qis nupvj vu taswowi - csiel ov fuxp opvu nepehiecmi djaplt.

Tu, $500 qis nupvj = 50 y $10 gsiimepdoph hoht. Ettanoph vjisi esi 30 fezt op vji nupvj - zua piif mitt vjep 2 hoht e fez vu edjoiwi vjot huem. Tvesv tnemm vjip tdemi ov aq.

Huuf madl.

 

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