Constantly Running Out Of Money Every Month

Zander shops all the top term insurance companies to save you money. Get started at zander.com. We're trying to figure out how we can get out of this constant spiral of going into the red every month. My husband has been teaching for 10 years and he only makes $50,000 and so he has a second job working at a grocery store that they can only schedule in part-time so it must he makes $80 a week and then he's also trying to do lawn care on the side trying to see if he can't find somebody to sell woodworking stuff to. We've both been door dashing, uber eating, sparking all the side gigs that we can and it feels like we're just spinning our wheels and we have no clue where to go to get income up. He's applied online and I've been listening to you for a few days. I know that you have to know somebody and so that's been hard for him to find something else with a teaching degree. He's tried going into the military and one branch said your GPA isn't high enough actually for that route and so I don't know if I've heard about where you can make digital marketing stuff and sell it on Amazon and it's passive income but I don't know how legit that is. It's not. How much debt are you guys carrying? I have student loans from years ago that are actually in department right now. What was your degree in? I actually wasn't able to finish. I was dumb my first year of college. They told my high school said go to a private school it's great and then I made stupid choices. Well what'd you study? What'd you study? What were you interested in? At first it was chemistry then I changed to teaching and right now we've got three kids seven and under and so to finish I'm one semester away but to finish I would have to work a full-time teaching you know student teaching job while paying for the college classes and have to pay for child care while I'm doing that and so I can't finish until my kids are old enough to go into school or we can raise them up. So wait a minute what how much debt how much is on the student loans that you're not paying on? About $60,000. Okay and what what debts do you have that you're paying on? Car payment? The current yeah we have a truck that he uses for his landscaping and I don't care what's it we've got a family car. How much do um we looked at the other day uh we owe 24 and we could sell for 21. Good and what shall it and what's the next one? Um it's a van and it's about the same it we can get it we can get 19 on it out of it but um we owe 24 on it too um I just don't know what we would do because we can't get a loan or anything to get another car and we wouldn't clear anything to have any vehicles after that. What other debt? That's it. No credit cards? No we we have a secured one but it stays at zero um we only got it because of renting a car a few years ago and so it's only got 500. You're just making the payments on the two vehicles and so it's just a struggle keeping yeah okay how much are you guys how much are you bringing in as income every month combined the two of you there are basics every family needs food shelter transportation and term life insurance term life is simple if you pass away it pays money to your family so they can keep paying the bills protecting the people you love is part of winning with money and when you're ready to do that go with who i trust zander insurance zander shops top companies to find the right coverage at the best price and they've earned my recommendation for nearly 30 years go to zander.com today how much are you bringing in as income every month combined the two of you um so i bring home probably at most on good months about a thousand uh to two thousand dollars a month um but that's only during the summer while he's able to stay home with the kids or he does and what's he bring home um so he brings home the 50,000 from teaching 80 a week from his grocery job and he's working four hours a week at the grocery store um he makes 16 an hour and they only schedule him from like four hours 3 30 to 80 dollars 30 percent not all those schedule him it's not even worth doing the schedule wide open it's not even worth doing it's a joke 3,500 from the teaching and i don't know another less than a thousand from the grocery store from everything yeah yeah he brings home after insurance and everything we actually get home three thousand dollars from teaching okay plus your four thousand do you guys how much is your house payment the uh the rent is two thousand dollars okay do you have a budget um i just signed up the other day for the free trial with every dollar um and so we've been trying to figure that out good so we'll start there and what you're going to find is what you've just discovered which is obviously your rent's 50 the rent's not the problem so much as the income is the problem yeah but in the meantime on that budget the way you need to line it up is by your four walls and keep those things first and foremost right now obviously you got to pay rent right you got it you got to do that you got to make sure lights and water and utilities are on you've got to make sure you've got groceries and you've got to make sure you've got transportation now aside from that all of my focus would be geared towards we've got to work work work work work and find three four five thousand dollars not four hours a week though and call that a job yeah okay the grocery thing you know you we've spent more time talking about it than he does working i mean he doesn't even go over there for like four hours it's not even worth doing yeah i mean that's a joke he's actually talked about stopping that what he needs to do is what he needs to start tutoring what does he teach and so he so he teaches pe and that's actually something he's in the middle of trying to do is start like a homeschool co-op i don't want to start a homeschool co-op i want to teach a kid to play basketball fifty to forty dollars an hour give him why can't he be a skills coach yeah offer everybody's in private sports why can't he do private teaching a buddy of mine that played d1 basketball and um and he makes fifty dollars an hour teaching 13 year olds how to play basketball yeah yeah like that can you the homeschool thing he's trying to can you work with the school can you work with the school and do a camp and put on a camp that's a there's so many the point is there's so many ideas i'm worried that he's uh lost his his spark there's a whole bunch of things he's doing not at all yeah and you're listing them an hour a week at landscaping four hours a week at the grocery none of this is anything that's why you don't have any money so we need something that we're working 40 hours a week at in addition to teaching yeah because and then by the way if you've had if you've got all but one semester in chemistry and teaching you can tutor chemistry so go over at the high school and tell people that you that your tutor kids on chemistry and they'll come to your house in the afternoons and you charge forty dollars an hour okay yeah i didn't think about that i'm a chemistry major it's a whole lot better than freaking doordash or sixteen dollars an hour bagging groceries yeah yeah and these cars have to go they're insanity you guys have bought cars like you make six times as much income as you make i mean what the crud a 25 000 truck are you crazy that has got to go so keep the van get rid of the truck and then quickly pile up enough money to get you a dumb butt four thousand dollar van and sell this dumb butt van your car payments are ridiculous zander is the best place to find term life insurance to protect your family visit zander.com for quotes today