Re: I have overdrawn money with Neteller, Firepay, and IGM Pay
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$8500 is nothing. The avg american has far more debt than that.
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The average American isn't a 23 year old kid hoping to get a 2nd job so he can pull down $500 a week. He is paying off a huge chunk of his salary just to make the interest payments here. Don't give the kid any wrong ideas...he has a serious problem and needs to fix it RIGHT NOW or his financial future is seriously in jeopardy.
Kid, you should get on a spending plan RIGHT NOW and pay off your debt within the next 18-24 months. This is doable as long as you aren't going to bars paying $5 a drink. By the time you're 25 if you have this fixed you're going to be fine if you learn about money, save, and invest it wisely. Sit down, do the math, and figure out exactly how much you're going to spend each month, how much goes to debt, and how much is discretionary spending. Someone here is probably willing to help you do the math if you're willing to share your info with them.
If you're 30 and still in debt with the income you're talking about (even if it goes up by %30-%40 which it should) you will have a tough time retiring at a decent age.
And I'd add the average American is a moron. Spending money on frivolous crap today so you can pay 20%+ interest to a large financial conglomerate is retarded and should be regarded as such. I myself spend loads of money on frivolous crap but going into hock to do it isn't really an option for me.
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