I have the following problem:
I recently started a school education (means I don't earn any money). At the beginning I was still at the job center, which means I couldn't work. Already then the debts slowly piled up.
Now I have finally been accepted by the Barfög (after 4 months) and get the highest rate of 585 euro
I thought I could finally work part time but far from it, everything over 450 euro per month will be deducted.
That means my maximum earnings are 1035 euro per month.
My fixed costs are as follows:
420 euro rent
40 euro electricity
45 euro gas
30 euro mobile phone
40 euro internet
10 euro bus
--------------------
585 euro
The barfög is just enough until then, but I haven't eaten anything.
Now I need a laptop with tablet function for my training (everyone already has one, until now I have college block)
This costs around 1200 euro
I can't do some of the tasks and unfortunately my grades are suffering as a result.
I have some big back payments to make
Current 800
Gas 600
I know that sounds like a lot but apparently my tariff, which I also paid regularly, was a basic service for the city, which is why it was so high. I have now switched to yellow and those are both the back payments.
In addition, I don't even have the school books which cost a total of 175 euro.
During the time at the job center, my overdraft facility is now up to the limit at - 1000 euro.
So overall I need
1000 disp
175 books
1200 laptop
1400 electricity and gas
---------------
4775 euro
Whereby the overdraft facility can most likely wait
3775 euro
At school I'm already the outsider and even if it doesn't sound like that, I'm mentally at the limit.
I really do not know what to do next.
You can ask for help for the laptop, but it takes at least 1-2 years and the teachers weren't really ready for it.
I absolutely need my Abitur, I'm 21 years old now.
I need help and am really grateful for every tip.
Off to debt counseling. Reduce fixed costs!
Okay didn't know that there was such a thing thanks.
I'll make an appointment sometime wondering if they can help me at all. I don't earn more money. But thanks for your answer, I will definitely try it.
Do you have the opportunity to borrow the money or part of it privately?
Otherwise, try to lower your fixed costs and, in the worst case, buy the tablet for financing (0.0%).
The electricity provider also usually accepts payment in installments.
Contact a debt counseling service urgently.
There are definitely cheaper laptops out there too. Get advice in an electronics store.
Are you receiving neither maintenance nor child benefit?
But there are and they can help you… The sooner you go, the better… And then you feel better again!
There are really tons of cheap used laptops out there. See Amazon, eBay, Rakuten.
Likewise the books (eBay, eBay classifieds)
Call your electricity and gas provider and arrange payment in installments.
Why cell phone and internet?
So there's no one who pays me maintenance, but actually I don't get any child benefit until now. I would have to be entitled again now.
Is there nobody left who pays you maintenance?
