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Why am I in such financial trouble at such a young age ?
I mean who jobs and still in high school is killing me. It's just I don't understand why I can't get the help I need. I can't eat or sleep it's just too much.
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Jacob’s Answer
I'm really sorry to hear that you're going through such a challenging time. Financial stress, especially at a young age, can be overwhelming. It's important to remember that you're not alone in facing these difficulties, and there are steps you can take to seek help and improve your situation:
1. **Reach Out to a Trusted Adult:** Talk to a parent, guardian, or a trusted adult about your financial struggles. They may be able to offer guidance and support, and together, you can explore potential solutions.
2. **Speak to a School Counselor:** Your high school likely has counselors who can provide assistance and connect you with resources. They can help you manage your stress and may have information on part-time job opportunities for students.
3. **Budgeting and Financial Literacy:** Learn about budgeting and financial management. Understanding how to track your income and expenses can help you make informed decisions and stretch your resources.
4. **Explore Financial Aid:** If you plan to continue your education after high school, research available financial aid options, scholarships, or grants. These can help alleviate the financial burden of higher education.
5. **Seek Assistance Programs:** Investigate if you qualify for any local assistance programs or charities that provide support for basic necessities like food, housing, or medical care.
6. **Part-Time Job Balance:** Balancing a part-time job with school can be challenging, but it's important to prioritize your well-being and education. Consider talking to your employer about adjusting your work schedule to accommodate your school responsibilities.
7. **Mental Health Support:** It's understandable that financial stress is affecting your mental health. Consider speaking to a mental health professional or counselor to help you cope with anxiety and sleep issues.
8. **Long-Term Goals:** Reflect on your long-term goals and what you aspire to achieve. This can provide motivation to persevere through tough times.
9. **Explore Scholarships and Financial Literacy Programs:** Look into programs that provide scholarships, financial literacy courses, and mentorship for young individuals facing financial challenges.
10. **Student Support Services:** Some schools have programs specifically designed to support students dealing with financial difficulties. Inquire if your school offers such services.
Remember that seeking help and reaching out to others is a sign of strength, not weakness. Financial challenges can be tough, but with determination and support, you can work towards a brighter financial future. Don't hesitate to lean on your support network and utilize available resources to navigate this difficult period in your life.
1. **Reach Out to a Trusted Adult:** Talk to a parent, guardian, or a trusted adult about your financial struggles. They may be able to offer guidance and support, and together, you can explore potential solutions.
2. **Speak to a School Counselor:** Your high school likely has counselors who can provide assistance and connect you with resources. They can help you manage your stress and may have information on part-time job opportunities for students.
3. **Budgeting and Financial Literacy:** Learn about budgeting and financial management. Understanding how to track your income and expenses can help you make informed decisions and stretch your resources.
4. **Explore Financial Aid:** If you plan to continue your education after high school, research available financial aid options, scholarships, or grants. These can help alleviate the financial burden of higher education.
5. **Seek Assistance Programs:** Investigate if you qualify for any local assistance programs or charities that provide support for basic necessities like food, housing, or medical care.
6. **Part-Time Job Balance:** Balancing a part-time job with school can be challenging, but it's important to prioritize your well-being and education. Consider talking to your employer about adjusting your work schedule to accommodate your school responsibilities.
7. **Mental Health Support:** It's understandable that financial stress is affecting your mental health. Consider speaking to a mental health professional or counselor to help you cope with anxiety and sleep issues.
8. **Long-Term Goals:** Reflect on your long-term goals and what you aspire to achieve. This can provide motivation to persevere through tough times.
9. **Explore Scholarships and Financial Literacy Programs:** Look into programs that provide scholarships, financial literacy courses, and mentorship for young individuals facing financial challenges.
10. **Student Support Services:** Some schools have programs specifically designed to support students dealing with financial difficulties. Inquire if your school offers such services.
Remember that seeking help and reaching out to others is a sign of strength, not weakness. Financial challenges can be tough, but with determination and support, you can work towards a brighter financial future. Don't hesitate to lean on your support network and utilize available resources to navigate this difficult period in your life.
James Constantine Frangos
Consultant Dietitian & Software Developer since 1972 => Nutrition Education => Health & Longevity => Self-Actualization.
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James Constantine’s Answer
Hello Nox,
It's not uncommon for people to rely on credit due to dissatisfaction with their financial situation. They often desire more goods and services than their income can comfortably cover.
However, you have the power to change this. Start by clearing your existing debts before taking on any new ones. This may require some sacrifices, but remember, it's a step towards financial freedom. Saving for a rainy day, an unexpected windfall, or a high-paying job can also provide a safety net.
Consider furthering your education with a high-paying tertiary course. A quick Google search for "best paying tertiary qualification usa" reveals:
S.No Highest paying majors in the US Average yearly salary
1 Health and Medical Preparatory $165,000
2 Petroleum Engineering $156,000
3 Zoology $142,000
4 Pharmacology $136,000
You can find more details at this link: https://edvoy.com/articles/highest-paying-majors-usa/
Wondering which college degree leads to the highest paying jobs? Chemical engineering takes the lead, with graduates earning a median annual salary of $75,000 shortly after college. On the other hand, graduates from the lowest-paying major, theology and religion, make $36,000 within five years of graduation. That's less than half of what chemical engineers earn.
Find more information here: https://www.cnbc.com/2023/02/20/highest-paying-college-majors.html#:~:text=Chemical%20engineering%20majors%20take%20the,of%20what%20chemical%20engineers%20earn.
Remember, you have the power to change your financial situation. Stay strong and keep pushing forward!
Best Wishes,
Jim
It's not uncommon for people to rely on credit due to dissatisfaction with their financial situation. They often desire more goods and services than their income can comfortably cover.
However, you have the power to change this. Start by clearing your existing debts before taking on any new ones. This may require some sacrifices, but remember, it's a step towards financial freedom. Saving for a rainy day, an unexpected windfall, or a high-paying job can also provide a safety net.
Consider furthering your education with a high-paying tertiary course. A quick Google search for "best paying tertiary qualification usa" reveals:
S.No Highest paying majors in the US Average yearly salary
1 Health and Medical Preparatory $165,000
2 Petroleum Engineering $156,000
3 Zoology $142,000
4 Pharmacology $136,000
You can find more details at this link: https://edvoy.com/articles/highest-paying-majors-usa/
Wondering which college degree leads to the highest paying jobs? Chemical engineering takes the lead, with graduates earning a median annual salary of $75,000 shortly after college. On the other hand, graduates from the lowest-paying major, theology and religion, make $36,000 within five years of graduation. That's less than half of what chemical engineers earn.
Find more information here: https://www.cnbc.com/2023/02/20/highest-paying-college-majors.html#:~:text=Chemical%20engineering%20majors%20take%20the,of%20what%20chemical%20engineers%20earn.
Remember, you have the power to change your financial situation. Stay strong and keep pushing forward!
Best Wishes,
Jim
Updated
Lilia’s Answer
Remember, you're not on your own. A lot of folks your age are grappling with financial issues, so you're not alone in this struggle. I genuinely empathize with your situation. Here's a piece of advice I'd like to share: Your value extends far beyond these monetary concerns. Please, don't allow this stress to overwhelm you. You're stronger than this, and everything is going to turn out just fine!
Updated
Craig’s Answer
Hello Nox,
Your question is quite broad, lacking specific details, but I gather that you're likely among the many who feel they can't afford the things they desire. Alternatively, you might have purchased something beyond your means and are now grappling with the repayment.
In either case, a viable solution could be to only buy items once you've saved up enough money. Accumulating debt for things you can't securely repay isn't a wise course of action.
Since I'm not privy to the details, I recommend reaching out to someone you trust. Ideally, someone who's gainfully employed, financially stable, and understands the importance of owning things without the burden of hefty debts.
I wish you the best in your consultation. Once they grasp your situation better, I'm confident they can provide helpful guidance.
Best Regards,
Craig
Your question is quite broad, lacking specific details, but I gather that you're likely among the many who feel they can't afford the things they desire. Alternatively, you might have purchased something beyond your means and are now grappling with the repayment.
In either case, a viable solution could be to only buy items once you've saved up enough money. Accumulating debt for things you can't securely repay isn't a wise course of action.
Since I'm not privy to the details, I recommend reaching out to someone you trust. Ideally, someone who's gainfully employed, financially stable, and understands the importance of owning things without the burden of hefty debts.
I wish you the best in your consultation. Once they grasp your situation better, I'm confident they can provide helpful guidance.
Best Regards,
Craig