Hey Guys,
A little background on my situation. Moved to NYC a little less than a year ago with my then GF. After a difficult 8 months the relationship ended pretty suddenly. I had just accepted a new job (had been working as a carpenter at night, which, between my frustration and the schedule difference, had become a major issue both for myself and the relationship) and had to relocate both my home and my studio (I'm an artist). I now have two new year long leases. The room I rent costs $950 (before utilities) and the studio costs around $330 (including utilities). Insurance costs me about $300 a month. I'm pretty good at not wasting money, i.e. lunches, dinners, frivolous clothing, etc., but can't seem to get anywhere. I do most of my grocery shopping at Costco, I ride a bike everywhere. I do go on a date or two a week, but I keep it under $20 per outing.
I'm pretty much locked into my housing expenses, which seem to be the main problem, although from what I understand what I'm paying is pretty much standard for the city, with my studio being well on the affordable side.
I have tried gig economy stuff in the past (Postmates, Wag!), and had overwhelmingly negative experiences. For instance, I calculated my actual hourly wage when I was a Postmate and it came out to roughly 3$/hr.
As far as skills go, I have art handling, general carpentry, photography (documenting art and food specifically), and a really good eye and design sense (though I have no idea how to monetize that). I also make sculptures and drawings, although as of now I have had no success monetizing that either. I've thought about airbnb-ing my room but that would put me out of the only place I have to sleep and would constitute a violation of my lease. I have no car or other assets.
I'm $28,000 in debt in federal student loan debt, no cc debt. Since my expenses are close to fixed, although I'm sure they will drop in Jan as I'm participating in the Frugalwoods challenge, I'm thinking I need to find a way to bring in more income. Any thoughts you guys have to help would be greatly appreciated.
Thanks!
E