Drowning in debt from my last lay off. Took a 15k cut at new agency and unable to pay it down. Current hours don’t support double dipping. Any reasonable solutions?

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Good income for affordable housing. If you get selected that will def help. Studio or 1 bedroom. Just have 2 years of taxes. Good luck.

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Only eat at home, no drinking out either-
For one year.
Do the transfers onto a zero interest card and they pay it down within the timeframe as much as possible and then transfer again. Or at least you are in the same spot as before but you’ve paid some principal.
On weekends sign up for task rabbit or rover (early am on rover too since nothing in Adland is happening early mornings). Put every cent from those gigs towards the cc debt.
Call your student loan provider and ask for a deferral due to hardship or a lower payment. They are typically pretty easy to get.
Buy nothing you don’t need. Like actually nothing.

Do this for one full year and you will be in a much better place.

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Yes. Do some research to find the best card. I got one with 0% for 15 months plus unlimited cash back.

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Cut expenses, increase income. You mentioned you can’t double dip, but you can find some type of side gig that can supplement things.

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My workload is probably just as unpredictable and busy as yours. You either have to find a way to make more money that will be possible for you, or you cut expenses. It’s hard, I did it and I’m exhausted, but what other choice is there?

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Can you move back home? Move in with a roommate? How much debt are we talking here

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Came back to update that I applied and qualified for a loan to pay it all and will owe 500 a month vs 2k and the building interest on the cc. Thank you for the direction and giving me a path to stay afloat.

Bartend Saturday nights. Move to an outer borough - co-living outside Manhattan will save you 500-1k/mo.

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Brooklyn sounds expensive to live in. It’s common for people to live further out. You need to get out of your place. Get someone to live in your unit if you can’t break your lease. You make 89k a year. Get a cheap closet somewhere.

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Share your knowledge on which companies have lesser notice period say 60 days or even less than that..

TIA

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Hi All,
Good day!

I'm planning to search for a job in foreign countries but I have some questions in my mind...
1. What would be my minimum salary
Please be noted that I'm spending 1.5L -1.8L pm for my family expenditures (family of 2) with the similar way of expenditure how much should I earn?
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3. Is it better to stay in India with 21LPA or should I consider relocation to other countries?

Thanks in Advance!!

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