Does anybody have any idea what i could do?

I’m a 20 year old who works as a Nanny, because of the coronavirus I’ve been out of work because all the kids are home and so are their parents...

My bills are still due for everything, but I won’t get paid until god knows how long. I’m a college student who lives at home, but I still have to pay my phone and car and insurance payments.

I doubt I will qualify for whatever money the government says they’re going to give out (I’m American) but is there a possibility I might get something? I have a 750 credit score (I don’t know if that means anything lol) should I take out a loan to pay my bills? Thanks!

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Comments ( 41 ) Sort: best | oldest
  • I would look for some of the corona aid stuff before taking on a loan

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  • Apply to work as an “essential worker” ie grocery store, hardware, pharmacy, ect. They are looking for extra help to handle the masses right now (at least in hard hit states) if all else fails, you could (and should) apply for unemployment.

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    • ^ This is a good idea.

      I think supermarkets are desperate to get people in right now.

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      • I live very close to Chicago, and all our grocery stores last week were pleading for me to wok there. (I am helping my mother with her work so I cannot)

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        • Yeah, yeah, work is defo out there atm. I wouldn't be surprised if OP would even get more than standard pay, given demand vs supply for those jobs atm.

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          • Some news sources are saying delivery services and places like amazon are paying employees up to $19/hr!

            It’s crazy wild to see shite employers treating the common employees like decent human beings amidst the pandemic.

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    • Yup getting another job is what I will do. I’m too afraid of unemployment coming back to bite me in the butt, and I from what I’ve learned I won’t receive anything for the coronavirus aid because my parents filed me as a dependent and I’m older than 16.

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  • Lol, you live off your parents, you'll be right mate, a phone bill just isn't that important.

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  • Go to benefits.gov and you will find a lot of resources there. Also contact your local department of human resources.

    If you dead end at these, reply to this and I'll talk to a social worker relative of mine and she will know what you can do.

    https://www.usa.gov/food-help

    Catholic charities, the united way, and the salvation army sometimes help with rent, but right now I think they may be overwhelmed.

    I used to work in finance and I can promise you it's unlikely as can be that someone will give you a loan without a taxable income. You may, however, be able to get certain credit cards intended for students if you dont already have them, but their limits tend to be quite low, often only $500.

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  • Youre on lock down.
    you dont need a car, or phone.
    Eat rice, and read a book.
    expand your brain.

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    • .... If I don’t pay my bills they will cut my service and take my car away.... I can’t just... not pay them...

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      • Should I state the obvious.
        That's why you have a savings account.
        From the first time you had allowance or earned money picking up cans.
        10-10-80.
        Now you have it to fall back on.

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        • Its like all the workers that were working for years in Australia are now lining up for the dole. They just fucking got payed 2 days ago and are already whinging about they got no money and how are they going to pay rent.

          ARE YOU TELLING ME you have worked for years and have no savings. The point of working is to have savings. People on welfare live paycheck to paycheck but all these workers need to be more responsible with their money.

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        • I’m a student living small paycheck to small paycheck so I can pay my small bills. I didn’t think I would have to plan for a global pandemic. Your “obvious” is my first experience.

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          • Terri always has to be horse shit in his/her responses.

            Now with THAT out of the way...

            A lot of "essential" stores are hiring because the work load has shot through the roof. Maybe apply to some of them?

            ALSO at least try to file for unemployment. It will not hurt to try. Also, no, getting unemployment will not negatively affect you. I received it in 2008, nothing bad ever came. They do take taxes out of it but not too much.

            It helps also to receive funds way faster if the govt has your bank info on file, like say if you had your tax refund direct deposited.

            Abd if worse comes to worst, apply for a loan. It is a last resort BUT it will buy you some time.

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            • Leggs.
              My replies sound like shit.
              Because I've been through shit.
              I learned the really hard way.
              Pay cash and buy your car.
              Even a beater.
              Own it.
              No payments.
              Even if you make very little.
              80,10,10.
              If shes not driving,
              she doesnt need insurance.
              ( full coverage on her barrowed car VS dirt cheap if she owned it.)
              Cell service is $50 a month.
              She lives at home.
              Her situation is not that bad.
              This situation may teach her a lesson.

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        • Terri what the hell? She's 20, not 42. Get a grip! And plenty of people are in the same position as her right now. The rudeness is completely unnecessary.

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          • HBS
            Who said I was rude?
            What we are seeing right now is hopefully only a once in a lifetime event.
            If it does help to bring families closer.
            To make people stop and think about the consequences of elections.
            Maybe get people to drop the cell phone and live a little.
            Then its not a bad thing.
            But it may require we step out of our comfort area.

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  • I understand your situation. I'm now a gig worker and 2/3 of my income vanished because I have been home sick for 3.5 weeks with the flu; and cannot get tested in my state because I'm not sick enough as there are not enough test kits. If I was tested and positive - I could get some replacement income from one of the gig companies (they are paying for missed earnings for people with a positive test).

    One of the things you can do is gig work from home. Start with looking in Craigslist under "gig" work. Find something you can do... even if the pay is not great.

    Ask your normal clients if they or their company needs any extra people doing minor tasks (or gig work). I admit its a low possibility - but, you have a relationship with these people and they are likely to assist you if they can think of anything (and it never hurts to have a network).

    There are some things that you might do that could have a negative social reputation attached. I generally do not recommend those (and as a nanny you should really consider hard the potential drawbacks) - but, I have known ladies who put themselves through college doing them; and some people can do them without mental or social harm. Burlesque (sexual tease), and related photos and activities (but only if that is right for you). There are ways to get paid for that... and paid well too. But, beware of the scams if you are going to work through the internet.

    I wish you the best,

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  • File for unemployment

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    • If you were working through an agency and being paid an hourly wage by the agency or company. File for unemployment. It will not negatively affect you. The company that you are an employee for has been paying unemployment compensation insurance (or were legally required too - but, that will be their problem and the state will still pay you unemployment).

      If you were working for yourself and being paid directly by your clients... then you are not eligible for unemployment unless you have been paying unemployment insurance to your state. If you have been paying your state unemployment insurance. File, its your right and it will not negatively affect you.

      I wish you the best

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    • Can that negatively effect me later on? I feel bad taking the money because I’m not who needs it the most, but I do still need spending money.

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      • IF you are eligible for unemployment - it will not affect you later on. Most people use unemployment during their life.

        This is not taking money from your employer. They have already paid the state money to cover this. The state pays you unemployment, and at times (such as this situation) the US Government may subsidize the states and pay for longer term or once in a great while higher benefits.

        If you are a gig worker - and working for yourself. It is my understanding that the just signed $2 Trillion dollar package includes "unemployment" $ for gig workers too. Not sure what the application process is - or how much. It may take a week or two to find out how that works.

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      • I don't think it will affect you negatively. It won't affect your credit score or anything, as far as I know. Job and rental applications won't ask if you were ever on unemployment.

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      • I've never done it personally but there's not much you can do at the moment. Bill's gotta be paid and you can't go to work. Sure they can answer all your questions when you contact them.

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  • I thought all Americans are getting a minimum of $1200 in the next two weeks

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    • I won’t receive anything because my parents claimed me as a dependent because I still live at home, but because I’m older than 16 my parents won’t receive anything extra.

      Working students seem to be stuck in a loophole that skips over us completely

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    • Is that EVERYone or just those who lost their jobs?

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    • HBS
      dont look now, but while you might get a one time check for $1200.
      The millionaires on capital hill included a pay raise for themselves.
      Arent you curious how they typed up a bill as wordy as the old testament.
      In just one week.

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    • Nah, we're getting fucked in the ass without lube.

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    • That will not likely show up until May or possible June.

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      • and only for those who are properly documented legal residents or US Citizens who filed either 2018 or 2019 taxes, or on SS, Military pension, etc. I.e.; the government know you exist in one of several data bases.

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    • Because I’m so young and haven’t paid into taxes yet (I don’t make enough to have to file) I wasn’t sure if I would get it :(

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      • Sounds like to me you are getting cash in hand and scamming a bit

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        • Likely not a scam. The USA was built on people who worked for themselves / started their own company. I give her a lot of credit.

          You are not required to file or pay taxes unless your income is above a $12,200. It is highly plausible that she does not earn enough as a part time nanny to earn that. Note that in her case, the 12,200 would be business income - business expenses since she is running her own business.

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          • Idk, its different in australia. We have to have a ABN (australian business number) even if you earn fuck all. I mean yes there is instances when you can try and play it off as a hobby but almost everyone wants a business with a registered ABN, that way the customer can right it off as a tax expense. I get it all the time with my business. The work I do for my clients they then right it off as an expense for their business and get tax back as costs. Some other clients I have, get assistance and the army or the government pay me for them. So in return to having a ABN we have to declare every year no matter what we earn because we are registered with the government now. If we don't the government will be banging on our door making sure we are doing the right thing.

            The op could be in similar situation if a client she has receives help from the government or watever it is in america to cover the costs of a nanny, maybe they are disabled bla bla, the client would not be able to use her. Seems like this is more a hobby that she gets payed for to me. Not saying anything bad about it, works work.

            I'm sure america would have something similar! These are things she needs to know if she is serious about running her own business. If however she was working for someone else's company then this is a completely different thing. I remember when I was very young and picking grapes, as I was working for someone and earning under xxxx amount and I did not have to pay tax, but if I remember correctly I think I had to declare.

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