How can I improve my money situation?
My girlfriend and I both work 40 hours per week at minimum wage jobs. We make about $1000 each per month after taxes. We live in a small apartment for $435 per month, have cell phones ($110 total), a Comcast triple play ($250 per month, it was $100, then it went up, but I'm locked into contract so I can't cancel), car insurance is $100, electric bill, water bill, totaling approximately $250 per month, $120 for groceries, $550 per month for my consolidation loan. Has my student loans and a few credit cards consolidated. That leaves very little to go around. I have a 97 Ford f150 that I paid cash for a whole back. I go to Columbus (2.5 hours away) every two weeks to visit my grandmother in hospice. I use my aunts 2017 buicm encore to get there. My truck is on it's last leg and I have no way go purchase a new car. If my truck dies, neither of us will be able to get to work then we re going to lose it all. What can I do to get a new car. I also have bad credit.
Sounds like both of you can get second jobs obviously.
There's no magic here. You need to increase your income and reduce your expenses.
Get second, part time jobs.
You may not be able to cancel your Comcast without a penalty, but you can cancel. You'll just have to check and see if paying the penalty saves you any money. If it does, get rid of it immediately. If it doesn't, get rid of it as soon as the contract allows.
If you are stuck with comcast for a while, that triple play includes phone service. Get rid of your cell phones.
Look into public transportation. Sure, it's going to be more inconvienent, but it's cheaper than a new car.
Combine all the savings & extra income from the above items and throw all that money at your consolidation loan until it's gone.
2nd jobs for each of you. How many months left on your Comcast contract? Would it be cheaper to pay the cancellation fee than what you would have to pay for the rest of the contract period? That's a car payment right there. That consolidation loan is going to pull down your credit score since you're paying more than 1/2 your own income on it. It's also going to make it very difficult to get an auto loan since your debt to income ratio is already 55%.
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