Ask for an advance but how?
Hey guys, I'm having a lot of trouble with my debts and I'm in the Schufa (credit report) anyway, so I can't get a loan. But I wanted to ask how I could ask my boss for an advance in a professional way. Do you have any tips or examples? That would be great.
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Stop it! Because in the following month you lack the money.
Better make an appointment with debt advice and try to get a bit off your commitments.
My parents force me to do this, and the debt counselors say they wouldn't do anything, and they can solve it themselves. I also do not see a solution by accepting debt, but his promises are that we are independent after 3 months and can deposit it even more easily.
Are you full year? Then the parents, or their unqualified statement, shot the wind! And put a shit on promises!
The debt advice eg from the Caritas is free for you and there you will be shown where you actually stand and how you best get out of it.
I'd be forced by NO ONE, just when it comes to money.
If you don't get clear with your debt, you should go to debt advice as soon as possible. They are free in any larger city. Do it sooner than too late. It's best to make an appointment right now.
I would only take the matter with the advance if it recommends debt advice.
For example, if you need your car to get to work, an employer loan would be POSSIBLE for a repair.
You don't have a right to that.
If you want an advance because your account is covered, your boss will probably refuse it.
I know he'll reject it and that's not a solution, but they'll force me to do it.
WHO forces you to? No one can force your employer to give you an advance.
Exception if he pays only on the 15th of the following month. Then you have a reasonable discount on the last month to get your liabilities done. (power, electricity, heating, etc.)
The debt advisor (which is also free of charge) can submit private insolvency for you. Then after 3 years, you would be free of charge of “welfare behavior”.
Wellbeing naturally means exactly what I have already advised you. Adapt your EXPENDITURE to your income. You can then of course forget self-employment in the next few years.
Could you convince me what a debt counselor does so I can convince my parents? Maybe I could go to debt counselor and don't cost any money?
That's a classic case for the debt counseling.
If you go to your employer, you are getting more than an advance. he has to pay wages every day. Where does he get NO money back?
I borrowed 20k debt from the bank, and I'm afraid I'm using bitcoin. But I have now taken a break with the credit bank for 3 months so I can pay off my 3k from Klarna, now the problem is that the many reminders have sent me and expect that I will pay it directly although I have no money, I currently only have 20€ what I can spend my entire month, and my parents thought that I should get the 1k from my boss than my boss so that I can't pay it off more easily, although it is possible
I'm totally desperate and in the end, I don't know what's right or wrong anymore, I'm just working so I can only pay off my debt. I know it was a stupid mistake from me and I'm my own fault.
How far do you get from €1,000 when you're in the Miesen with 26,000?
You need to learn to adapt your EXPENDITURE to your income.
I need a 1000€ advance because I can't deposit my reminders and I got Klarna's last reminder.
My parents force me because they think it will be easier after a few months because then I get 500€ money hearing and can pay easier my 26k debt
There is no professional.
It is quite normal to say that there are currently financial problems and that we would like to have an advance and whether that is possible.
You can't fight debt by debt.
You need a plan that you can do.
Like a plan?
That's it.
What are you doing next month? Your situation doesn't sound like a one-time payment of all your problems.