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|Sat, 05-10-2003 - 1:38am|
Self employed, single-no spouse financial support or benefits, no dependents
Been in business (sales type of service business) over 3 years & won't close up!
Only income is gross biz income which varies from 1/3 - 2/3 of my monthly living expenses 9 months of the year. Other 3 months income is slightly over monthly living expenses. 9/11 hurt my business and it's coming back very slowly. Had clients go out of business and did not pay me.
High cc debt plus personal loans (family, friends, not banks) low car pmt. No savings.
1 mo behind on carlease pmt,2 mo on 1 cc,1 mo on 2 other cc;will be further behind this mo
Pay most bills every other month to try to keep up
Living circumstances - live rent free (agreement is no roomate) but pay utilities, phones, and so on.
Work 60 - 80 hours a week. Can't take on second PT job because I need to be available to clients & other business people I work with 8a-6p daily & frequently on Sat/Sun. Nites & week-ends are needed for paperwork, additional client meetings, creation of service "packages" customized for my different clients. (this takes a lot of time)
Have cut back as much as possible and work out of my home. Need 2 phones (1 business & 1 for fax & DSL internet hook up-main line is incoming/outgoing business & 2nd line is for incoming/outgoing faxes (lots) and for internet hook-up-necessary for my work. I get lots of complaints that both lines are busy so I'll have to add third line soon. Also need cell phone as I am gone from the office a lot and need to be able to monitor my messages, make/receive business calls and so on.
Have dropped lawn care, gym and so on. I do need cable, least expensive service possible, for the business I am in. Car expenses (gas high) are fairly high because of the driving necessary for my business. (Some days I put over 100 miles on the car.)
Do you have any suggestions on how to get by? Credit is trashed right now due to using them to help with living expenses so unable to obtain loan.
Thank you so much.