a reply to: mblahnikluver
First of all, you are NOT a failure. Failures never get frustrated over a "silly thing" like lack of progress.
Next, you are far too intelligent to be working for $10 or $15 an hour.
I don't know what your education level is, but continuing to upgrade that is always a good thing. File that one away. I know that doesn't help you
I see that you rely on your mom for help with your child, so I won't recommend that you consider relocation.
Have you ever thought about starting your own business? There are SBA Express loans that are fairly easy to get. They aren't much -- I think they
max out at $50k, but you can designate a certain percentage of the loan for "overhead" (i.e. paying yourself a salary so you can pay your bills). I
don't think you need much in the way of capital, but you probably need a credit score in the "fair" range (620+).
Many of these "loans" are doled out by local small business development NPO's who will give you business counselling and walk you through the process.
I don't think this is a lengthy process. SBA programs kind of follow the business and commercial banking model, which as you probably know, works
quite differently from the consumer banking most people are familiar with.
You have to have a bullet-proof business plan. This is pretty easy to do. All you have to do is answer the questions YOU would ask someone borrowing
money from you. There are sample business plans available online.
There are billions in SBA and NPO loans and grants that go unused every year. Some of these programs are targeted to specific things and to a certain
demographic. Exports, for example. Being a single mother might work to your advantage as well.
I am convinced that the best way to get ahead in life is to work for yourself and build a business. It's twice the work, and when you start out you
are basically doing crisis management 24/7, but your schedule is your own, and if you can power through the tough times -- which you seem to be doing
right now anyway, you will have a personal freedom and the potential for financial independence that you will never have working for someone else.
Finally, you'll be fine. My advice at this point is, IF YOU CAN, take a couple days off right now. Step back and clear your head for the next 48
hours. Don't think about your situation, bills, work, life... Break the pattern you're in now and do something positive and fun that you would
normally never do.
Then get up Wednesday morning, and stomp this thing like a bug!