$13,000 in debt and lost my job

Totally nuts. I’m applying for unemployment benefits and looking for work. I used the $13,000 to buy a car, buy food, and escape a poisonous house. I did okay, but my work deteriorated. was let go due to a merger rather than performance.

I currently live in an area where my only expenses are transportation, groceries, and clothes, and my rent isn’t due until June.
The problem is that I’m unemployed and on severance pay while I hunt for work. How can I settle this debt?

You must work as many jobs as you can, pay off all of your debts, and save aside money for emergencies. Reduce everything to the essentials until your emergency fund is fully funded.
Prepare your resume, visit food pantries, and try to sell anything. If you live close to a house, take care of the lawn, clean the gutters, and install a fence (if you know how). walking and sitting for pets as well.

Get that work as soon as possible, and if you need two, try to find a gig.

When you can, use coupons. Cash back applications, such as Benjamin, can assist, but they won’t make you wealthy.
Upside offers petrol cash back, which has proven quite beneficial.
Atlas Earth will eventually pay you; in just two years, it made over $250.

Speak with your creditors, explain your situation, and propose to pay half of the regular minimum amount due each month (not past due or more than the credit limit; only the minimal amount required for this billing cycle should be offered). Your inability to maintain your cards shouldn’t be a problem because these forbearance programs can give lower APRs, no late penalties, or no costs at all. Your difficulties should prompt the creditors to review the account for any forbearance plans, which may involve the closure of your cards. should allow you to breathe a little easier. Act now, as the longer you delay, the greater the interest and payment amounts will be.

It’s the $2K Corolla that’s worth all of your money. With any luck, it will last for many more years and have few problems. I can say with confidence that’s a wise investment because mine is currently at 242K miles.

Give the creditors a call, explain the circumstances, and request options for hardship. If they don’t have them and you need to, you can request that the accounts be closed in favour of a payment plan. When you do this, the interest will cease. The payments will usually be half of what they would otherwise be, and you might have to wait to get credit again. We carried this out with Chase and Synchrony after I was laid off. They did a great job collaborating with us.

“I am looking for jobs and applying for unemployment.”

“.Issue is I’m looking for a job and living off severance and unemployment.”
If you are asking for unemployment benefits, you cannot be living off of it. Furthermore, receiving a severance package prevents you from being eligible for unemployment benefits.

I can confirm from California that you can still receive unemployment benefits with a severance payout.

Indeed, even with a tiny market.

When a large number of people are looking for your product or a solution to their issue, intent-based search advertising perform well.

Because of this, when you reach a larger scale, Google ads may end.

I suggest employing meta advertisements to address this and gradually improve your entire company. More people will look for your goods, read your material, and become paying customers the more attention you garner on social media.
I’m happy to chat about this all day; DM me if you want additional details.

I manage a digital marketing firm for SaaS startups. Based on my own experience, I recommend: Don’t

This is the reason why:

Simply said, search is too costly. The majority of money keywords have extremely high CPCs. Return on investment cannot be justified, not even with a respectable campaign performance.
Display ads: they are unlikely to generate much business, but they will provide you with a ton of leads possibly at a very low cost.
Perhaps video advertisements. But the goal ought to be brand building. Set it up not for lead generation.

Depending on the way you’re operating it. I think you need engage an expert to run the advertising properly. For instance, after several tries and A/B testing, it is finally working for me. Last month, I spent about $8K USD and received $4K USD in MRR.