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Thread: Financial Recovery after Covid

  1. #1
    God/dess carmen_b's Avatar
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    Default Financial Recovery after Covid

    Let’s talk !

    if your income was affected and more limited since March 2020... sorry .
    Ugh. If it wasn’t well fuck you seriously lol.
    Just kidding.

    Any / All are welcome !
    Talk about your plans to get your $$ back on track if it’s been a tough patch!
    Last edited by carmen_b; 10-13-2021 at 11:10 AM.

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  3. #2
    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    I am hoping for $500 per week minimum from my small business and rental .
    It doesn’t seem like much but the amount is tailored to recovery mode.

    The bottom line is $1500 for Oct .
    and $2,000 in Nov .

    ^ Obviously hoping for more .
    If I don’t hit those I’ll be at the club more or rustling the cash up another way.

  4. #3
    Newbie WanderingW's Avatar
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    Default Re: Financial Recovery after Covid

    Yes it has. I worked so hard for years to bring my credit score up and now it is the worst it has ever been. I'm going to just start working as much as I can. I'm an older model but I can do it! I really want to move from this crappy little apartment but, happy I have it for now.

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    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    ^ Small home > no home !’

    Going UP from here !!

  7. #5
    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    I’m not going to lie.
    At times I feel panicked.
    I just need some $ consistency .
    Last edited by carmen_b; 10-12-2021 at 04:45 PM.

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    God/dess chanzep's Avatar
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    Default Re: Financial Recovery after Covid

    I understand I am broke. I plan to get a second job for a while there are so many things I need money for right now.
    xoxo

  10. #7
    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    ^ Join the broke girls club ( TEMPORARY ACCESS only lol ) !

    We will all recover and begin stacking the $$$$ !!

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    Default Re: Financial Recovery after Covid

    I did a lot of law of attraction work to get me in positive mindset about the whole situation-covid has made my life challenging (to use empowering language). I could easily feel victimized, but I’m trying to stay positive. I’m focused on solutions instead of problems right now. I think it’s easy to go down the rabbit hole of financial fears. The pandemic wasn’t our fault, but it’s my responsibility to take action to recover from it.

    So today I worked on my mindset which should mean more money. The law of attraction doesn’t work without the law of action, so I’ll be working as much as possible.
    Focus more on what you want than on what you donít want

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    Default Re: Financial Recovery after Covid

    I made some financial mistakes in 2019, so the covid just hit me harder.

    How it was- I had been relying on overdraft protection to get my bills paid. (really bad I know)

    The steps I took to get my finances in order:

    I cut out any unnecessary expenses and looked for less expensive alternatives (i.e.- insurance)
    Wrote out all expenses that I needed- makeup, supplements, gas, groceries, rent and etc.
    I raised my rates on cam, and cut out energy draining customers.
    Signed up for debt consolidation.
    Contacted necessary companies to make payment arrangements.
    Did side gigs that I found on Craigslist

    December of 2020 I got a job- I planned on doing camming and content part time. I worked the job for about two months and it was too draining for me to about anything else. I was able to shoot content.
    The consistent income helped me budget better and get back on track.

    I am not where I want to be at the moment, but I am making progress.
    I haven't used my overdraft protection since late December, bills are paid on time and it's a huge weight off my shoulders.

    I am continuing writing out my expenses every month. I still look for side gigs that are worth my time if I feel SM is glitchy.

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    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    Same. I do need to make a decision very soon on what alternative income I will focus on with the business not bringing in enough.
    The club might be the best option but I am also seeing the appeal of an hourly job ( even if it's small like $12-$14 per hour ). When money has been constricted for so long it's easy to feel " stuck " . For me I have been really worried ever since my state took away pandemic assistance in early July. So if I go to the club ( two hours from me and I have a friend to stay with ) I will carefully track all the time it takes including driving . I'll try to never go for just one day and always do two days.

    ^ I get caught in a cycle of fear of not choosing the " best " option but if I sign on a real estate office it could be 60 days realistically until I see a check so I am trying to bring up my WEEKLY income first and get out of the fear cycle before started to sell. I think I get penalized ha if I don't sign up with a broker by mid - nov. so I will obviously be doing it be then.


    Quote Originally Posted by moneybags View Post
    The law of attraction doesn’t work without the law of action, so I’ll be working as much as possible.
    Last edited by carmen_b; 10-13-2021 at 09:49 AM.

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    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    I did the same. I had a few rough weeks while my state was starting PUA where the checks were delayed . I took money off a credit card to survive too. I have since paid what I borrowed off it but it's a terrible feeling.

    When I left Hawaii in mid-2016 I had racked up 16k in cards which is just horrendous ( I know ! ). It's down to 2 k which I'm really proud of but I should have had the debt assistance you talked about. I was just too embarrassed to seek help even though I would have paid less overall paying it back. That is part of why I'm so eager for more consistency . I want ZERO on cards and a savings started back up.

    Quote Originally Posted by Esixxx View Post
    I had been relying on overdraft protection to get my bills paid. (really bad I know)
    Last edited by carmen_b; 10-13-2021 at 01:42 PM.

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    Default Re: Financial Recovery after Covid

    Quote Originally Posted by carmen_b View Post
    I did the same. I had a few rough weeks while my state was starting PUA where the checks were delayed . I took money off a credit card to survive too. I have since paid what I borrowed off it but it's a terrible feeling.

    When I left Hawaii in mid-2016 I had racked up 16k in cards which is just horrendous ( I know ! ). It's down to 2 k which I'm really proud of but I will I would have had the debt assistance you talked about. I was just too embarrassed to seek help even though I would have paid less overall paying it back. That is part of why I'm so eager for more consistency . I want ZERO on cards.
    That's impressive! Congrats on your progress

  21. #13
    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    ^ I took over 5 years though AND I should have done the consolidation like you did for sure.
    I never added up how much I spent in interest because I really don't want to know .
    I learned and won't do it again unless it's a real emergency.
    Last edited by carmen_b; 10-13-2021 at 11:11 AM.

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    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    Today I had clients call that want my services up North. I'm not willing to go up in the Snow at all but I can refer them to another team ( I'll make $140 - $300 on the referral depending on exactly what they get ).

    I just tried to TEMPT them to come South ( where I'll be ) ha !
    I could make $740 if they do ( if I sell the job and complete the job myself ) .
    I had to at least "throw it out there " via email .
    Last edited by carmen_b; 10-13-2021 at 11:12 AM.

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    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    Next week I’ve targeted Tues. / Wed for the club if the business doesn’t make at least $500 by Sat.!
    That way I’ve got the days pre-picked and can stop putting energy into the “ what to do “ decision.
    I informed partner I’ll be out of town , ha .

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  26. #16
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    Default Re: Financial Recovery after Covid

    You did well paying that off!
    I have some stuff to pay off too. I want to go back to club too but I would either have to travel out of state of work at local club which requires a licence. I'm going through divorce and wouldn't want a licence until it's over. Apart from that I'm looking for a second vanilla job and considering doing seasonal flexible work.
    xoxo

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  28. #17
    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    ^ Do you think it'll look bad in the divorce ?
    So many licenses for entertainers don't come up ( I have entertainer licenses in two states and have done many background checks over the years ).
    Those checks are just for criminal activity which stripping ISN'T .
    Just my experience as you know what risks to tolerate ect.

    Yes I'm proud of the cards but I carry a tax debt too ( I won't name the number it isn't *that* bad considering ) . I am just SO eager to get to a point of no debt at ALL . I have real estate equity but it just hasn't seemed like it's worth borrowing against part of it for these others things . I just want the other things gone and savings boosting . I just feel strongly due to not having these be " emergencies " ( not medical ). The debt built in Hawaii was just being slightly upside down *over time* from the high costs of living . I have ranted about my 7 year partner not supporting my sex work and quitting for him. Now ..... we are not together ! That IS why my answer is always the same when people come on here and are like " should I quit for this guy " " ?
    ^ Maybe if we were still together the quitting and said debt would be more ok with me.

    I feel strongly about progressing.

    POST YOUR WEEK BY WEEK GOALS HERE !!!!
    Last edited by carmen_b; 10-14-2021 at 07:25 AM.

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  30. #18
    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    These gigs are definitely out there ! Good reminder for those who might need extra work in the next 2.5 months !
    Quote Originally Posted by chanzep View Post
    considering doing seasonal flexible work.

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    Default Re: Financial Recovery after Covid

    Wanted to mention that debt settlement companies are vultures ... let me know if any of you are going that route and i can offer more info. I work in finance. Sometimes people say "debt consolidation" and they truly are working with debt management companies - those can be helpful. Very different than debt settlement companies. Be careful out there!

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  34. #20
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    Default Re: Financial Recovery after Covid

    I never had license or been married before, maybe I should ask a lawyer. my ex would deffo use against me if he knew. I have been working on my credit this year too. I joined a group on facebook that has great tips. My main thing now is another source of income.
    xoxo

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  36. #21
    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    ^ Yes you could definitely ask your lawyer.
    It would be a shame to leave the $ on the table if dancing is a good fit for your current situation.
    You can check with the licensing office too ( get a sense of if they show up on back ground checks ).
    I wouldn't want to say to do something that is risky if you are not comfy with it .

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  38. #22
    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    Reporting a pretty likely pending sale for the business.
    I know it's likely because the client asked for some specific details.
    $1300 so the job and the retainer is $650 that I'll make if they buy soon.
    Then in about 3 weeks I'll make another $130 with the remainder going to my little support team.

    Crossing the fingers .

    I have another client with similar looking numbers ( slightly less to be exact ) but with a similar retainer potentially coming in 2-3 days.

    I was honestly thinking I needed mental health assistance to get out of my anger ball but I really think if some things just start closing I will naturally start to get there.

    I have kept 4 Oct. days " scheduled " for myself to be at the club. I’ll be there .
    Last edited by carmen_b; 10-14-2021 at 06:19 PM.

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  40. #23
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    Default Re: Financial Recovery after Covid

    Sometimes it helps with plain being cheap with essential products as well . Canned soup, frozen dinners, all-in one shampoo/conditioner, going to the dollar store for hygiene essentials, tj maxx, ross, checking the mail for specials is what I do when I'm trying to save my money up and not waste it. And if you qualify, you can have low income electric, water, and gas bills.

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  42. #24
    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    ^ Totally !! I use ALL those tricks !

    Not the utility one but the rest !
    Last edited by carmen_b; 10-14-2021 at 04:28 PM.

  43. #25
    God/dess carmen_b's Avatar
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    Default Re: Financial Recovery after Covid

    Woo-Hoo
    The $650 invoice has paid.


    NEXT up Puh-Lease!!

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