I am 33 years old. My monthly income is $3400 living paycheck to paycheck
I have 4 bank loan and credit card maxed out. Totalling per month for loan payment is around $1700. The breakdown is as per below
$672 until November 2024
$404 until January 2026
$696 until July 2026
After paying all my personal loan, I am left with $1628.
My country have a compulsary retirement fund contribution which is for me i have to put in $230 per month. Current retirement fund I saved is around $22000.
My recurring expenses are
Phone bill : $36 (cheapest rate)
Wifi : $45 (cheapest rate)
Rental : $750 (cheapest I can find)
After all that, I'm left with only $567 to spend on everything (food and groceries mostly).
I work for 40 hours per week. If workload is high, I will have an extra $400-$1000 per month.
Is there anything I can do to make extra money? My current plan is ride out the storm until November and hope for the best.
original posted by HelpMeFixMyself7 to r/personalfinance on Mon, 22 Apr 2024 15:36:05 GMT.