NavyVet
New Poster
Cash: $ 0.45
Posts: 2
Joined: 27 May 2016
Location: North Carolina |
Making Extra Money |
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Hello,
First of all I'm new to the site so if this is in the wrong place I apologize. I will figure it all out in a few days.
I have a need to make a substantial amount of money. I currently have a great job, my wife is going to school on the GI Bill, we have cut back on everything to the bare minimum and we just cant get ahead. The bills are paid but there is nothing left. We live in a 2 bedroom house that is aprox. 800 square feet with our two children. I have 2 children from my previous marriage that are with us quite a bit as well.
Since getting out of the Navy in 2012 we have had trouble saving anything. Iworked for a small company in Virginia Beach for awhile but couldn't get ahead. I opened a small property damage restoration company that did pretty well for a while, but when we moved to NC to be closer to my children we lost everything. Cars repossessed, evicted, defaults, etc. We've since had better luck but need to get some traction.
We want to buy a house with our VA loan but cannot meet the minimum credit requirements of 620. I am trying to find alternatives to raise the money I need ($50,000) to pay off all of our negative accounts and buy my family a home. I cant get a loan due to the credit situation.
I am looking for any advice or ideas on how to raise the money legitimately. All advice is helpful.
Thank you,
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Fri May 27, 2016 11:17 pm |
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oldguy
Senior Member
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Joined: 21 May 2006
Location: arizona |
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quote: Cars repossessed, evicted, defaults, etc. We've since had better luck but need to get some traction.
We want to buy a house with our VA loan but cannot meet the minimum credit requirements of 620. I am trying to find alternatives to raise the money I need ($50,000) to pay off all of our negative accounts and buy my family a home.
You aren't getting traction because you are using your income stream on future wants. Your spending is a couple years ahead of your earning. Settle down, let the income stream catch the spending stream. And it isn't "luck", either good or bad, it is decision-based. Good decisions equals good luck - and conversely.
I would keep renting, forget about buying a house for about 4 or 5 years, the 2 bdrm, 800 foot will suffice (we lived in a lot less during WW2). And ask your wife to cut back her college schedule - either defer it for a couple yrs and work full-time - or split the two. Then you can pay down your loans - and also build back your credit score.
And late-model cars have a huge depreciation cost - be sure to stay with affordable older cars. (I mention cuz I've driven thru the Base at 29 Palm several times, and seen all the near-new Big Dually Diesels with 4 doors and 4WD - the tires alone cost as much as my entire old truck.
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Sat May 28, 2016 12:56 am |
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NavyVet
New Poster
Cash: $ 0.45
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Joined: 27 May 2016
Location: North Carolina |
oldguy
I appreciate your advice and I agree to an extent. My wife and I have discussed all of suggestions you have made and are working on applying them. I am only looking for suggestions to earn a little extra to pay toward our debt nd repair our credit.
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Sat May 28, 2016 1:03 pm |
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