short on cash. missed a few days of work last week due to weather. Missed today with a scare from my 13 month old taking her to E.R. & all big bills came out this past week. (hate being in debt so will pay more than $50 weekly when possible) thanks all

Goodbye to doordash and fuck you forever, no more worrying about my 0% acceptance rate from literally only getting $3-5 orders. Sticking to Ubereats when I order which really isnt much better either but FUCK doordash

Hi Everyone, I'm seeking advice regarding a challenging situation we're facing. Last month, my girlfriend broke her arm while snowboarding. At the time, she was working as a contractor through an agency called Actalent, which provided her with benefits. After consulting with her doctor, it was determined that she needed surgery to repair her arm. The doctor explained that without the surgery, the bone would likely slip out again due to her active lifestyle. Before proceeding with the surgery on April 14th, the hospital obtained pre-approval from my girlfriend's insurance. We were initially informed that the pre-approval went smoothly. However, we recently received a bill of $32,000, as the insurance plan she had only covers appointments and non-emergency services. It appears there was a misunderstanding, as we were not aware that the surgery would not be covered despite receiving pre-approval. We do not have the means to pay the full amount, and the prospect of monthly payments of $200 for the next 24 years is just insane and depressing. We have made several phone calls to both the insurance company and the hospital (Palo Alto Medical Foundation through Sutter Health). We are also in the process of applying for a charity grant that assists individuals with low income or those without insurance. Although my girlfriend's income qualifies for the grant, we were advised that it may only cover a portion of the $32,000. We are feeling quite overwhelmed and uncertain about what to do next. While we are considering seeking legal representation to address this matter, it would involve additional costs. We believe that the hospital bears some responsibility for not informing us about the surgery not being covered despite receiving pre-approval. Any advice or suggestions would be greatly appreciated as we navigate this difficult situation. Thank you for your help!

Hello,I am soon going to be working two Paye jobs fulltime. First job I have been working all year at £73,000 and the second will be at £75,000 per annum. As my allowance is being used up by the 73k role, I was hoping someone could explain to me what happens with the second role. I have been trying to use online calculators but they don't fully explain if the second role will be on BR (emergency tax code), or if I have to ask to be on a specific tax code or if I have to save for a huge tax bill at the end of the year.
Any guidance on where to find information or an explanation would be appreciated. I have also searched as much as I can online and can see people mention scenarios where the roles are either 1 is PAYE and the other is self employment freelance which unfortunately isn't my situation. I have also tried to ask an accountant but they didn't know (or didn't want to say)

I live in a 2x2 apartment with my ex-boyfriend (21M). I initiated our break up in October of least year, about a month before what would have been our 3-year anniversary. The primary reasons for our break up were his dishonesty and lack of responsibility. I was paying for everything on my own and didn't feel like he was being a responsible equal partner, then on top of that, it turned out that his history of dishonesty was not history, but still current. The nail in the coffin that secured my decision to end the relationship was finding out he'd told his family that he was borrowing money for rent because I didn't have my half, when in reality it was the other way around.
We continued to cohabitate because both of our names are on the lease, and while I could have gone to my parents' house, I was concerned about ending up with an eviction on my credit. So, things were okay-ish living together, with lines blurring from time to time, until the beginning of this year. I was still the primary person handling bills/rent with little help from him in that area, even after being out of both of my jobs for over a week with COVID. I grew more and more resentful as things really didn't seem to change much, and eventually the environment at home grew toxic with my resentment and desperation for help clashed with him swearing he's doing his best and I just don't see all the effort he's putting in. Admittedly, he was doing nice little things like doing the dishes, offering to rub my back when I got home, lighting candles in my room for when I get home, taking my dog out for me, things like that. But I told him I'd rather he help me with keeping us afloat financially, and that didn't go over well.
At the very end of January, things came to a head when he didn't tell me that the power bill was way overdue (it's his bill, I pay the gas), and they cut off our power. I couldn't afford to pay the months of backed up bills because I'd just paid for other bills. I came home after a long day of work to an apartment with no power and we ended up in an argument. He went left to go to a different state to be with his parent. I went to my parents' house with our pets because the apartment had no power.
A day or two after he left, we had a conversation. I told him I'd be willing to try again if he agreed to make some changes: get a job, get into therapy, things like that. He'd started working, said he was in therapy, said he had a psychiatrist and started meds, it seemed like he'd made a lot of progress. Fast forward two months and I invited him on a trip with me for my birthday, as we'd reconnected more as he seemed to be growing more responsible. He'd offered to pay for my flight as a gift, then at the last minute, said he couldn't. He also missed his flight and just hopped back into bed instead of going to the airport to try to get another one. Then, he ended up not having his half of the money for our hotel, so I had to ask family in the state we traveled to to buy our hotel for last half of the trip. We ended up arguing on the trip because I brought up that the whole thing felt a lot like old patterns.
Fast forward two more months and he came back from his parent's house out of state to try to reconcile our relationship. I was under the impression that because he'd have a job immediately (transferring), he'd be able to pay his share of things responsibly, and he'd be more stable and healthy mentally (depression - which I also live with), and he'd been working on his dishonesty problem in therapy. So, I encouraged him to come back and we could slowly try starting over.
Well, all of that came to a screeching halt when our power went out last week. He'd told me he got on a payment plan with the power company, but then wouldn't let me listen to his phone call with them to figure out why the power was out. I called them myself and they said no payment arrangement had been made. I had to come out of pocket $500 and ask my parents for $300 to get our power turned back on, as it hadn't been paid since I paid it in February. He swore he'd pay my mom and I back on his payday that Friday, but then he said he didn't get paid Friday because his manager didn't submit his hours on time. Whenever he gets a job, they seem to always be with places that frequently screw up his pay. Then this past week I had a really long day and he created this very sweet plan to help me wind down and have a good night, lit candles, made dinner, rubbed my back, etc.
Then, I started wondering about how I've never actually seen him go to/virtually do therapy. I've never seen him take meds, and when I asked what med he was on while he was still out of state, he kept saying he'd tell me/show me, but then he just never did even though I mentioned it several times. It felt like he didn't actually have meds and was hoping I'd forget/drop it. I'm so conflicted because he does really nice, sweet things for me, but I can't help but feel like maybe he's not being as honest as he said he was. I'm starting to think he was just saying what he knew I wanted to hear to want to maybe try again.
Recently, I told him that I think we should slow down and both of us should probably do some more of focusing on stabilizing ourselves independently, mentally and financially. When we had the conversation face to face, things went fine. I felt awful for hurting him. He was honest that, while I felt things were progressing to fast and I didn't think we were ready to be anything serious right now, the pace were going was already agonizingly slow for him. I mentioned I don't think it would be a bad idea for us to get experience with other people, as we were kids when we got together and don't really know ourselves as adults outside of each other. I just meant casual dates, not jumping into relationships with other people. Again, the face-to-face was open, honest, and respectful. But for the past couple of days he's been blowing up my phone at night with pitiful messages about not being good enough, saying we should be fwb and begging for a bj/sex despite me recently telling him I think I may be somewhere on the spectrum of asexuality, sending long messages saying his feelings don't matter, and it's really overwhelming and made me want to distance myself more.
Now, we'd already submitted a proposal to renew our lease for another year before all of this drama started. I just don't know if that's still a good idea. I go back and forth between thinking I should just give it more time and thinking I'd be an idiot to proceed. These things can't all be coincidences, can they? I like to think of myself as an intelligent person, but I have generalized anxiety, and it's not out of the realm of possibility for me to be overthinking things. When I bring up that something he said sounds like a lie or is suspicious, he says I'm overthinking. I can't tell if I should continue trying to be exclusive and rebuilding this. I did encourage him to come all the way back here, but I'm wondering now if maybe I was misinformed when I decided to do that. I'm sorry if this is all over the place, my thoughts are incredibly scattered at the moment.
TL;DR - My ex left to a different state to live with family and do some growing up. He and I were supposed to be rebuilding our relationship, but now that he's back here, I can't tell if he just said all the things he knew I wanted to hear but hasn't actually changed or if the patterns are really just coincidences and bad luck, and I should stop overthinking everything. I don't know if the sweet gestures are enough to outweigh what could genuinely just be a crap hand he's been dealt.

I'm 29, my mom has been unconscious in the hospital and I've been going to visit her every chance I get. I've been paying all the bills in my mom's house and I'm struggling financially, I was wondering, how do I ask my other relatives that I need financial support and help for things around the house when I am struggling?

If they're offering to pay you to leave, they want you to leave. I retired 12 years ago when I was offered a year's pay in cash to take retirement. Those of us who accepted the offered incentive got a nice payout. Those who did not were let go very soon thereafter without the cash. Same thing just happened to a good friend of mine. He refused the incentive, he wasn't ready to retire, had a few bills he wanted to pay off, etc. He was let go right after the ones who took the money exited. You can do it the easy way, or you can do it the hard way.

Hi Everyone,
I'm seeking advice regarding a challenging situation we're facing. Last month, my girlfriend broke her arm while snowboarding. At the time, she was working as a contractor through an agency called Actalent, which provided her with benefits. After consulting with her doctor, it was determined that she needed surgery to repair her arm. The doctor explained that without the surgery, the bone would likely slip out again due to her active lifestyle.
Before proceeding with the surgery on April 14th, the hospital obtained pre-approval from my girlfriend's insurance. We were initially informed that the pre-approval went smoothly. However, we recently received a bill of $32,000, as the insurance plan she had only covers appointments and non-emergency services. It appears there was a misunderstanding, as we were not aware that the surgery would not be covered despite receiving pre-approval. We do not have the means to pay the full amount, and the prospect of monthly payments of $200 for the next 24 years is just insane and depressing.
We have made several phone calls to both the insurance company and the hospital (Palo Alto Medical Foundation through Sutter Health). We are also in the process of applying for a charity grant that assists individuals with low income or those without insurance. Although my girlfriend's income qualifies for the grant, we were advised that it may only cover a portion of the $32,000.
We are feeling quite overwhelmed and uncertain about what to do next. While we are considering seeking legal representation to address this matter, it would involve additional costs. We believe that the hospital bears some responsibility for not informing us about the surgery not being covered despite receiving pre-approval. Any advice or suggestions would be greatly appreciated as we navigate this difficult situation.
Thank you for your help!

This may be more of a small business question but I'll throw it out here.
I have a corporation and signed up for a Bell internet service at a job site that was always intended to be temporary. Bell took the company name down wrong so instead of "ABC Inc" they setup the service under "ACB Inc". They also used the service address as the billing address and I do not, and never did have, access to the mail service there.
After ~6wks the project ended and I cancelled the service as intended.
Multiple calls with Bell to get them to change the billing address and company name but never received an invoice as it was being sent to an address I did not have access to.
Now the debt has been sold off to a collection agency but the only info they have is my phone number and a debt registered to a company that doesn't exist with my name as the contact.
Today I told them that it was never paid as I never received an invoice under the right company name. If Bell can send me that I will pay it but otherwise they can go pound sand.
Do they have any recourse? Or do I just ignore their calls from now on?
It's only about $300 and I made an effort to rectify it but at this point I'm over it.

My mom and step dad are getting divorced. This is her second time getting divorced and this is my second time going through it with her, now granted I’m 27 and and can handle it. The last time she got divorced I was a only child and she got divorced when I was about the age of 8 so I had no say in anything. But this time she has my sister who is 14 and a complete daddy’s girl. And from what we gather and what she’s telling family members is that she wants to live with her dad. Now my mom pays the bills in the house and her dad pays the mortgage. Only his name is on the mortgage, mom’s name used to be on the mortgage but she removed it. Apparently while I was at work one day my mom and stepdad got into a argument and I guess he’s decided he’s had enough. He went and got a eviction notice for me and my mom. Also apparently my sis is old enough to tell the judge who she wants to live with. I’m having trouble processing how or why she wants to live with him, given his behavior and the things he done. She’s my only sibling so I don’t know if I’m being overly attached to her.

What are some effective ways to market/advertise my brand new business without breaking the bank? This is ideally supplemental income (I have a full time job that pays the bills), and relatively passive.
My business is essentially a much smaller Angie's List, and for the San Diego, CA market only. The contractors listed on here are guys I've met over the years on job sites that are reputable and reliable. The site is completely free for the customer, with no account needed. We make money by charging the contractor a small finder's fee if and only if they land a job from our site. Being listed on our site is completely free. I assume a link would help, so here it is. This is not self promotion. I'm happy to take it down if it doesn't help you make an informed suggestion. https://www.illcallmyguy.com/ I think SEO and realtors will bring in 95% of our leads but until the SEO kicks in, I've been: - handing out Call My Guy business cards at every painting estimate I do (maybe they need a flooring, roofing, etc guy as well- not just a painter) -SEO -email marketing and texting all my clients through my painting business (separate business) -email marketing and texting SD realtors, interior designers, property management companies, vacation rental companies, and hotels- basically anyone that I think could benefit from having a free source for awesome contractors and handymen -put flyers on the windshields of the cars in the Home Depot parking lot -Car magnets -Made a page on Nextdoor (with weekly posts), Yelp, Google, IG, FB page, etc Other than SEO and the ideas already listed, do you guys have any other ideas that might generate more sales without breaking the bank? I also welcome any suggestions for website edits as well. Thank you for all your help!

Backstory: I don’t have a strong relationship with my dad. Parents divorced and dragged us though it while we (sibling and I) were still young. We speak maybe once a year and saw each other even less be design. Dad remarried and popped out half siblings 15yrs younger than I. He’s now divorced again. His health has been and is deteriorating. So bad that he can no longer see due to cataracts. Somewhat homeless. I say somewhat because the house he is squatting in is his dead fathers house that his brother (my uncle) is the executor of state for. Dad reached out last month needing help. Turns out he needs a lot of help. I’m currently trying to help him get water and electric turned back on. Setting up doctor and optometrist appointments. Getting him insurance. We live in the same state but not at convenient distance. I’m able to do most things over the phone but I’ve hit road blocks. Like he’s needed to be there to ‘ok’ me to pay or talk to set up accounts. Now he wants my to be his POA on everything and I’m not sure I want to. My questions are as follows. One, what kind of POA do I want? Durable (financial) POA seems to be the one. Then I have limited POA, medical POA? Do I need multiple ones for each type of instance? If my father defaults on bills again can claims come after me? What would be my overall responsibilities if he were to become to ill or die? Do the pros outweigh the cons is really what I want to know.

Apologies for this long post, but I'm hoping I can get some input on my situation. I've been in a whirlwind romance the past 5 months and we're both really in love and just click so well. Personalities, interests, conversation flows, and just doing anything together is a blast. I've never met a girl that matches me so well, and I'm incredibly attracted to her both physically and mentally.
I know I was in the wrong for this, but my GF is aware that I know she regularly messages with her ex-boyfriend (they broke up October 2022) on Facebook Messenger, so I was curious and went back through their conversation history to late December (the night she and I first had sex), and she was messaging him the next day (her ex was prodding and trying to get her to describe the sex and everything) and she told him: "not lying, he's the smallest I've ever been with. still fun tho". I'm maybe between 4.5-5 inches and make up for it with everything else so I know I'm not the biggest, but seeing her tell her ex-bf was surprisingly devastating and I couldn't shake that thought. She came home later that evening (we don't live together, so I was hanging out on her bed waiting for her to comeback) and I couldn't dare say what was on my mind, but she knew something was off and tried to get me to talk and I went on this vague discussion about how I'm not "the right person" for her and I'm "not good enough" without being specific. She thought I was breaking up with her and started crying, but I clarified I wasn't and it was just me and my occasional insecurities creeping up, and it'll be okay. I apologized and she asked if I had floated these issues to gauge whether she would be willing to be honest about her feelings and maybe be open to breaking up, and I haphazardly agreed that in a way it was a slight manipulation to get her to be more open about how she really felt about me in case she secretly shared any doubt about me. Because of that, she was really mad at me and I tried to reconcile that I shouldn't have played some mind game and should've just asked her directly how she feels about the relationship. We made up more or less, I slept over and left for work early the next morning, and we haven't texted much the past 2 days. This isn't unusual as we're both very busy with work/school, but I can't help but feel things are still not right and we've been distant from each other after that night. I usually present myself as fairly self-confident and have decent charisma (IMO), but this has really shook me and I just don't know what to do. We both have high libidos and are often physical with each other, but seeing that message was so devastating and now I can't think of her without feeling shame, anxiety, and inadequacy about my penis size, especially considering that sex is an integral part of our relationship and she wants it at least every few days. We're both pretty open sexually (we have foursomes, threesomes, she's bi and we're both sexually experienced with body counts both 10+), so it's a major issue that I'm now associating this with her and right now I'm thinking if she were to grab my crotch or want to do more than kissing, I'd have to subtly find an excuse or move away because I'm so ashamed of myself and feel inadequate and likely couldn't get an erection feeling this way regardless. For the past 5 months of our relationship, she's seemed to love the sex and has been incredibly satisfied, praising me and telling me I'm the best, and I visibly make her body shuttetwitch from multiple orgasms, etc., but seeing those messages has shattered my self-confidence and I also have lost faith and trust in her even though I know she was just being honest to her ex-bf(or maybe she was trying to not hurt her ex-bf's feelings, but I doubt that since she said "honestly" and "smallest" and it was a very specific statement). I know penis size and sexual pleasure are not mutually exclusive/1:1 correlation, but now I'm wondering if she was being 100% honest this whole time or just trying to make me feel better when she tells me she's addicted to my private. Part of me thinks I should break up with her because I'll never get any bigger and she deserves someone better. I probably sound really petty and stupid buying into the endless penis size debate, but I have to admit I'm shattered and don't know what to do because that message is inadmissible and I know it was wrong of me to snoop through her messages. I don't want to tell her I violated her privacy, but I'm clearly shaken so it's obvious something is wrong. I don't know what to do.
Regarding her still messaging her ex-boyfriend even though we're together: They were together for 4 years and broke up October 2022 (ex-bf wanted an open relationship and she gave in June 2022). August 2022, they went long distance and ex-bf moved across the country and she moved near me for grad school. Almost immediately after they agreed to have an open relationship, ex-bf had sex with another girl and he later revealed that he cheated on my gf with this same girl DURING their committed relationship period. My gf and I got together late December 2022 (I know it's fast and she probably didn't have enough time to be single but we had just met each other and we clicked instantly and didn't want to miss this chemistry) and I noticed her phone getting blown up with missed calls within a few weeks of dating. She was up front with me that it's her ex-bf, and he spam calls her until she picks up, and keeps messaging her first via text then later to FB Messenger. She said that she responds to him because she feels bad, and he still vents to her about his life. (During my snooping on her messages) I did notice she's somewhat standoffish with him and tells him she's not interested, she's with me, he mistreated her, etc. but she does continue to message back and have lengthy calls with him. I told her that I understand the attachment and they basically became each others' best friends over 4 years together, and I basically said "I don't want to be controlling or insecure, I'm not gonna tell you what you can and can't do, I trust you." Apparently I learned as of 5/31 the ex-bf is dating a new girl who is cheating on her bf right now (2 guys dating one girl and they don't know about each other) and he said "it's not my responsibility to tell the other person. It's on her". My gf and I both agree that he's narcissistic, manipulative, jerk, etc.. I don't like to talk bad about my gf's ex-bf because I'm biased of course, but it honestly does bother me that she still messages him regularly (and calls/videocalls that god knows what's being said and not in writing). I know I was wrong to snoop through her messages once, and I pledged to myself I won't do that again as it's dishonest and opens a can of worms. I know I prob sound like a crazy person, but I just don't want to be a simp, but also not a controlling A hole. I don't know what to do.
Also: I don't know if this is actually a red flag since it happened when she was 18 (6 years ago), the way my gf and her ex-bf got together was that she lowkey cheated on her first bf at that time and made out with the new ex-bf at a party, and then felt awful about it and confessed and everything. She told him not to worry about that guy and she wouldn't leave him for the other guy, but they ended up breaking up and she ended up dating that now ex-bf. I gave her a pass because she was really young and based on her descriptions her first bf was super toxic and abusive, but now that I've been going through this I'm thinking about it more. I match with her so well mentally and physically and she's so sweet and thoughtful, but she's clearly still heartbroken over her ex-bf even though he was so abusive and controlling, and it does frustrate me. 6/1 is my deadline to pay for out-of-state grad school, so now I have to make a decision to stay with her in-state or go out-of-state (out-of-state we're gonna have to break up and she doesn't want LDR)
TL;DR: I secretly read my GF's messages with her ex-BF and she told him I'm the smallest she's ever been with. My confidence is shattered and I don't know what to do or say since I was wrong to read through her messages.

Since we are all basically being fucked in the ass with how shit our pay is. Let’s get into the nitty gritty, shall we?
My paycheck just dropped. I’m an MOL at my store. We have no assistant manager. Just a GM, a CAL and a GA LOD. Then 4 cashiers. I do the job of most of the positions in the store, minus the GM. I have worked for Petco for 5 years and have had previous manager experience too. Been a manager at my store for 3 years. Got exceeding expectations for all my reviews. Works my way from cashier to MOL. I am trained in SFS too. The store hours were cut so I work 37 hours, if I’m lucky. I have to do the job of my aquatic specialist half the time since we don’t have the hours to give them either. I do truck in one day. All pallets out in 6 hours. Only with 3 peoples help. Had to fight for years to get raises and was given small stupid ones after fighting tooth and nail for that shit. So this last 6 months, promises of these raises, I’ve been ready for it. To finally feel my worth. To get paid enough to survive and to be paid money that is worth my effort I put into my job. I work too hard to only get paid shit. So I was excited.. Then boom, no raise, a shitty 33 cents “yearly review raise” was all I get. My total pay now? $16.50. $16.50 for all my hard work. For all the effort I put into my job. I get 50 cents more than my dog trainer. Who also earns commission. The GA LOD. She gets the same AS MY CASHIERS. They are being paid the same as someone who runs the store, goes to the bank, does scheduling, does the same work as an assistant manager too. So today I get my paycheck. The one that would have been the last one before this so called raises we were meant to get. You want to know how much my check was???
$979.. yep. $979 for two weeks of overworking, burning myself out and working my ass off for visits and everything. Planograms and ad reset and and you name it.. for two weeks, I got $979. After my bills, I’ll be left with $150. To get groceries, gas to get to this job, take care of my animals and to just survive on. $150 for two weeks. It’s fucking pathetic.
And before someone gives me the whole get a new job, get a second job. I would if I could. But I can’t do that. So I’m stuck in this job. It’s not like people can snap their fingers and magically get a job that is worth it so here I am. Barely living.
Welcome to petco, where the broke managers go.

What are some effective ways to market/advertise my brand new business without breaking the bank?
This is ideally supplemental income (I have a full time job that pays the bills), and relatively passive. My business is essentially a much smaller Angie's List, and for the San Diego, CA market only. The contractors listed on here are guys I've met over the years on job sites that are reputable and reliable. The site is completely free for the customer, with no account needed. We make money by charging the contractor a small finder's fee if and only if they land a job from our site. Being listed on our site is completely free.
I assume a link would help, so here it is. This is not self promotion. I'm happy to take it down if it doesn't help you make an informed suggestion. https://www.illcallmyguy.com/
I think SEO and realtors will bring in 95% of our leads but until the SEO kicks in, I've been:
- handing out Call My Guy business cards at every painting estimate I do (maybe they need a flooring, roofing, etc guy as well- not just a painter)
-SEO
-email marketing and texting all my clients through my painting business (separate business)
-email marketing and texting SD realtors, interior designers, property management companies, vacation rental companies, and hotels- basically anyone that I think could benefit from having a free source for awesome contractors and handymen
-put flyers on the windshields of the cars in the Home Depot parking lot
-Car magnets
-Made a page on Nextdoor (with weekly posts), Yelp, Google, IG, FB page, etc
Other than SEO and the ideas already listed, do you guys have any other ideas that might generate more sales without breaking the bank? I also welcome any suggestions for website edits as well. Thank you for all your help!

So here's the situation. I'm employed full-time, at a low-paying job (with EXCELLENT benefits...County Worker) that will cover my monthly expenses just fine. It's relaxing, it gives me time to recover. (I'm autistic, and I tend to burn out easily)
UNFORTUNATELY, I had to have some emergency home repairs done (I own my home, mortgaged at least) due to a hot water heater failure and some weather damage to my detached garage. I HAD to put it on a card, and now I'm 7K in the hole...which at current I'll have paid off in like.....FOUR YEARS.
So, I'm looking for something easy and low-key, for a BIT of spare change to go towards my bill. I can ONLY work the specified times (Like in-between 6am-1pm Weekdays, or anytime on Sundays) as I work a hard 2nd-shift during the week, and I'd KILL for at least ONE actual day off per week. Keep getting the run-around about being overqualified, (my resume is FUCKED, because it's mostly management or Office Administator stuff) or they want open availability.
So, any ideas? Preferably North of Town since I live in Fairborn, and work downtown? Any help would be appreciated.

How would you set up your financial plan for 1 year if your housing+utilites, 3 meals every day, transportation, and insurance (dental included) were all paid for by your employer? Income is only $3,000/mo after taxes
Financial background: -No debt besides $11,000 in student loans, which I'm hoping will be forgiven -No car expenses, housing expenses, phone bill, insurance bills, etc. -only $2,725 in Wealthfront's HYSA 5.05% for 6 months and 4.55% after that -$288 in Roth IRA, I just started investing 8 months ago -my employer doesn't do any matches, unfortunately -No pets or children, yet -My boyfriend and I have the same financial mindset so we opt for low budget dates and plan ahead for big ones (dates/vacations)
I (27 yo) know I don't have the most secure financial situation and it makes me really sad/anxious, but this job opportunity seems like my way out of a terrible position and I just want to do it right-- so any suggestions would greatly help me! Please let me know how you'd set up your financial plan for the year.
Also, I was wondering if $3,000 is a decent take home if let's say I was paying for all of those expenses? Should I ask for a raise when the year is up? Should I take on another job/side hustle?
​
Your comments are highly appreciated!

I remember vividly the tireless debates online of nerds dissecting how the iPhone X would be a failure due to its price tag, as it was slated to cost $200 more than the most expensive base iPhone at the time. Now, everywhere I go I see people using iPhones with 3 cameras (so clearly they’re a pro model), galaxy folds, etc. It’s so normalized to pay at least $1,000 for a smartphone now. Why? What changed?
One could argue that the galaxy fold is a new form factor and therefore offers something exciting to the end consumer, but I believe it costs $1,600 for the base model, correct me if I’m wrong.
These things are so powerful that it doesn’t matter if you buy the super expensive model because it can do pretty much everything that the cheaper models do. Case in point, my iPhone 13 can do everything the pro counterpart can except take a zoom lens photo and scroll at 120hz. …That’s it. Everything else is the same because of the software.
The only thing that makes sense to me at this point is the fact that these phones are offered on a payment plan thru carriers, so maybe everyone ignores the total cost and just sees the $45 a month. But even then, why pay $45 extra on your bill when you can pay half that for the standard model that is perfectly fine?
What are your thoughts on this weird spike in consumerism?

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[REQ] (£120) (#GRAYS, ESSEX, UK) [Repay £145 16/02/2023] (cash app)

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Need a little assistance to cover bills & fuel until I get paid on 16.02.23 Can pay back the full amount plus £25 via cashapp on the 16th of February.
Any help will be greatly appreciated.