in order to escape survival mode with paycheck for paycheck, you need goals
Ask yourself why am I going to work?
Pay for house
pay car note
well, instead of paying a mortgage, or paying rent to some land lord who is also relying on to pay rent so they can live
you need to pay cash for shelter, depending how much money you have or can save.
Problem is people don't want to grind hard when necessary.
If you have shytty job this is what you do, you can still be rich you just need to stack
Cash out a trailer home you can find these for around 5 grand
now you don't have to worry about rent no matter how broke you get, you're defeated one enemy
the next on his the whip, instead of breaking your back paying a car note that cripples your ability to stack, and also causes you stress, look for charity car dealerships, they usually have very cheap cars with new engines, these places are designed for people who need reliable transportation but can't afford it, I'll sell cars like this if you want.
Now you got two big things out the way for good, shelter and transportation.
Now it's time for food, you can stock food supplies for basically free, churches, focus hope they give away can goods, bread, and produce all the time you just have to look around locally, or go to the district court find out where the people serving community service go to hand out the food. One day doing this should have you set every month.
So your not homeless, you can move around, and you're not starving. It's time to stack
If you can go an entire month with spending a pay check, no matter how much you make at your job, you will be on your way to financial freedom.
First thing you need to do is establish some credit, take 500 dollars to the credit union and get a secured loan.
Then take that 500 to another credit union or bank and do the same thing, and then take that 500 to another.
Now you have established 3 Tradelines on your credit report, make sure you be these on time, don't pay them off early, just pay them on time, once you do you will have credit.
Now that have you credit don't go fukk up doing nikka shyt
Instead you sell the charity car you had first brought or give it away to a family member in need
go back to your credit union and apply for an auto loan, it doesn't matter how much they qualify for
just buy a used car with the check the give you, it will be an upgrade from you charity car but inexpensive
monthly.
Once again pay this on time, and you will established an auto tradeline expanding your credit profile.
Now you've been working your shytty job for about two years now, but you've accomplished a lot
remember that month's pay you put in the hole, time to put it to use.
Go online, look up the Sheriff's sales in your county, go to the auction early, and bid only with that amount of money.
You will end up winning a home, if your savvy or lucky you might come up on a prize.
Now by simply paying the back taxes, you are the proud owner of a home free and clear.
Put an ad up to rent your trailer out, do not sell it, because you need the cash flow to supplement the income your getting from your job, or if you wanna be hardcore grinder like myself, rent the house out and stay in the trailer.
I'll tell some more later, I'm tired