Hard times call for tough choices, selling myself to make ends meet

2022.01.19 11:28 Ok-Supermarket-794 Hard times call for tough choices, selling myself to make ends meet

Please don't judge me, I'm at my wits end. I'm now at the point of no return. I find myself creating a Reddit account to let out my thoughts. Mom of young twin boys, lost their dad tragically when my boys were infants. Somehow I have managed to make it through life since then, even with such a big piece of my heart gone. I don't ask for sympathy or anything, just venting. I've lived on a tight budget for a few years now, there have been plenty of times I've ate a piece of bread for the day in order to avoid my babies going without. I just can't do it anymore. I'm counting wipes, portioning food, doing any and everything to survive. There have been so many days I wanted to quit, but I refuse. Most people would look at me and assume I have my shit together, I hear it all the time. Little do they know the simplest things are so hard for me at times. Well last day to pay my electric bill before its turned off is tomorrow. I somehow let it slip, shit happens. But knowing it's an absolute necessity and knowing I don't really have anyone to turn to, I feel like my backs against the wall. I have a male co-worker who has offered to "help" me with some money, but of course that comes with a big cost to me, MY BODY! I feel disgusting even thinking about it. I've made it so far and done it by myself for the most part, but life happens. I refuse to let my kids feel any type of pain or suffering because I'm broke, I refuse to let them go without. I need basic needs like pull ups, groceries, and my electric bill paid... so tonight I will do what I have to do. Again, I beg to not be judged. I needed to vent and thought this would be a good outlet since it's anonymous. I know I have to live with this decision for the rest of my life, but at least I will know my boys will have what they need until my next paycheck. Have a great day to all who made it through my confession. I already feel like shit about it just sending the msg to set the date up for this evening, I don't know if I have the strength to make it through the day, but I pray a lot and will pray that this too shall pass.
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2022.01.19 11:28 Similar-Trainer-1711 Évolution de niveau de vie/faire des placements

J'ai besoin de votre appui et de points de vue externes sur ma situation et je voudrais des avis sur d'éventuels points d'amélioration/conseils.

28 ans et j'habite dans une ville de petite taille (environ 10 000 habitants).
Mon emploi depuis 3 ans est en association privé, c'est un travail qui me plaît dans lequel j'ai évolué tout ce que je pouvais (de service civique, à contrat pro, à salarié en cdi) et qui bouge à 1550 euros par mois. Il y a une prime de 300 euros à la fin de l'année et 150 euros de chèques cadeau. On me rembourse des frais de repas pour environ 50+ € par mois.
J'ai une voiture de service que je ramène au domicile que j'utilise pour tous les déplacements pro ainsi que pour me rendre et revenir du travail. J'utilise donc assez peu ma voiture perso, mais pour tous les déplacements hors travail (soirs, week-end, vacances).

Il y a, je pense, peu d'évolution possible envisageable là ou je travail, j'ai 12 euros d'augmentation par années et les possibles changement de postes seraient de passer chef de projet ou responsable mais ça ne me branche qu'assez peu pour un salaire d'environ 1800 à 2000. Je ne sais même pas si je peux envisager de demander une augmentation de salaire vu qu'on est financé par des acteurs externes.

Je suis à 1550 euros par mois, j'ai un PEL à 3,8% (4,5 avant taxes) qui est à 40 000 euros suite à héritage et génère 1200 (900 après taxe) euros par années. Grâce/a cause des intérêts de 1200 du PEL, je n'ai pas de prime d'activité ni d'APL. J'ai un LEP à 6 000 euros, un livret A et LDD vide.

Mon objectif :
Plafonner le LEP à 7700 euros et ne plus y toucher en sécurité, puis épargner un total de 150 € par mois :
1) En placer 50 par mois sur le LDD pour des projets à court terme (ameublement, réparation voiture, ...) ;
2) Les 100 restants sur le livret A pour des projets à moyen terme et plus couteux (rachat de voiture, grosses réparations, préparer l'arrivée d'enfants, ...)

Mais je constate que je n'arrive pas à remplir cet objectif de 150 euros.

Bon j'imagine bien que si je souhaite épargner, soit il faut que je considère de réduire le niveau de vie, soit que j'améliore mes revenus. Le problème c'est que j'ai la sensation d'être un peu bloqué en ne pouvant pas réduire mes dépenses aujourd'hui et en étant quand même pas mal économe.
Il n'y a que ce poste actuel concrètement qui me plait dans ce secteur pro. Je réfléchis soit à prendre le temps de me réorienter dans un domaine qui me permettrait d'avoir de meilleurs possibilité d'évolution ou de salaire dès le départ, ou bien de commencer à étudier le fonctionnement de la bourse et de mettre petit à petit de l'argent sur des actions.

Est-ce que vous savez comment je pourrais faire pour améliorer ma qualité de vie tout en me permettant d'épargner ? Mon objectif dans l'idéal serait 2 k par mois, une fois que je mets de côté le reste est superflu en argent. Est-ce que garder cet emploi mais de miser sur le cours de l'action pourrait être intéressant si une période intéressante se présente ? Y a t'il d'autres possibilité que je n'envisage pas et n'hésitez pas à me dire quel est votre avis sur ma situation.
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2022.01.19 11:28 IcyBoost Some progress with the project!

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2022.01.19 11:28 Jp102413 Cris perdiendo el AVE be like:

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2022.01.19 11:28 marinelli81172 My beautiful and perfect loaf

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2022.01.19 11:28 tsuri-set Intersection

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2022.01.19 11:28 Acarzia_ If Keyaru had to chose one girl....

If Keyaru had to chose one girl, who do you guys think he'd choose?
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2022.01.19 11:28 Diti2022 CIVILIZATION FRAGMENT EQUIPMENT PIECES

So does anyone know what the fourth round of civilization equipment will be especially the tier 3 cake level fragment? Anyway to tell? Also, if you missed the very 1st round, the Plantagenet set, is there anyway to go back and get those. I haven't found a way yet. VERY FRUSTRATING!!!
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2022.01.19 11:28 GoldenSerpent420 First time playing through dead rising 4. Trying to get some traction on twitch. Would appreciate a follow!

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2022.01.19 11:28 Doc_Pikachu Axie Infinity Shards (AXS) Community Airdrop

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2022.01.19 11:28 NoElephant4327 MantisFinance - MANTIS is live. Low MC. Community Driven. Huge potential

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2022.01.19 11:28 Quantumflx_ Lune - Mirror Image

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2022.01.19 11:28 nesmimpomraku The European Union could ban intensive cryptocurrency mining

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2022.01.19 11:28 nikolai2960 Asphyxiation vs. the word no

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2022.01.19 11:28 Bonus1Fact CBS's Gayle King says it would be a "great idea" to use Airbnb to "quarantine someone before they bring them into the house because Omicron is so off the charts"

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2022.01.19 11:28 Zangetszu Sara Duterte wants mandatory military service for adult Filipinos

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2022.01.19 11:28 netflixhaber Trinity Valley's Final Routine! | Cheer | Netflix

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2022.01.19 11:28 anaughtycouple69 What are some words/terms used in everyday life, but are actually quite technical in nature?

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2022.01.19 11:28 Adamodc Car extracts/fence rep??

Been working on raising my fence rep recently by hitting the car extracts. From what I understand there's a diminishing return on them but I think I read somewhere that they eventually reset...... How long does that take?
Also, any tips on having success on coop extracting? As a scav I go to them occasionally with about 10 minutes or less left in the raid and jump up and down, fire shots in the air and call out to no avail. Any tips?
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2022.01.19 11:28 12HicksL Now that Xbox own Activision does this mean they hold the rights to PGR?

Just want a new PGR thats all preferred it as a good alternative to forza :)
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2022.01.19 11:28 xylanne Got my Booster!!

I’m 24 weeks pregnant and my symptoms, though not as bad as my 2nd dose pre-pregnancy, have left me feeling like I’m back in the first trimester. Ugh.
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2022.01.19 11:28 Baiorh A collection of TerraNews 2022/01/15–19

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2022.01.19 11:28 Wasp_Rick70 Thanks I hate pony!

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2022.01.19 11:28 GhosterPoster Is it a bad look to leave schools 2 years in a row?

This is my 2nd year teaching. I did my student teaching a high school 9-12, but have been teaching the last 2 years at 2 different k-8 elementary schools.
I am looking to send out some applications, looking for a highschool position- but am worried that I will be turned down or judged for “school hopping”.
At the end of the day, it’s not about my school specifically but that I don’t like teaching such a wide range of ages. Within a school day I teach 5 year olds and 13 year olds back to back. It’s very odd for me.
I loved my student teaching and the age range of HS, so I’d prefer to go back there.
I know I would be asked about it- and am happy to be honest about grade preference but wanted to see if I should just stick it out another year and apply after 2 years at my current school?
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2022.01.19 11:28 Boiboix28 What was the most savage fight you witnessed?

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