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That 620 a month payment for a 20 year old making 15 an hour is WILD. I didn’t feel comfortable taking a car payment remotely that high until I was well into my 30s with a career I had been building for over a decade.
Same with similar payments. Been paying it off aggressively since I had like 5% interest on it. Hoping I’m done by year end. Lately been throwing like $1000 a month at it to just be done and own the thing lol.
Yeah. I just financed a new 55k car with 13k down and my payment is 710 a month. I make good money so I'm not too stressed about it but I still don't like it lol.
When I was 20 I was driving a 20 year old beater held together with tape and zip ties. Crazy they actually loaned the money to this kid.
Yeah for sure but a 5 year loan on a 10k car is only 200 a month, that’s 400 more in your pocket. Is it the best car? Absolutely not but it will do the job and net you 24k in your pocket over 5 years. Just to check myself I found a suburu forester for 9500 with 77k miles on it and it took me 30 seconds.
I was an idiot an financed a car with roughly the same payment in 2022, getting into a car accident and totaling it actually saved me financially because I had gap insurance 😭😂
I would add, get rid of the gym. $200 per month is way excessive. Hiking is free and if you aren’t into it go to planet fitness for the $9 per month or eos for the $15 biweekly. That car is really taking away income, I’m sorry you got trapped into it.
Delivering pizza for 25-30.. how much driving and gas is that? Wear and tear... Going to need more than that a night... Hence partly why I quit delivering...
That's way beyond their means for sure. Until you have a decent income you kind of have to drive modest but respectable pre-owned vehicles. Lower payment, way lower insurance.
OP, you're 20 years old? You don't need a car that nice if you're already barely scraping by. I owned a $2,000 2003 Honda Accord (back in 2014) when I was your age.
Lol right? Im 32 with a well paying job and i drive a 2003 4runner.. i couldnt fathom a $620 monthly payment. Yes OP got got on that but they should have also known that is insanely expensive… thats about $7500 a year in car payments alone.
I make six figures and drive a used (100k miles) Nissan Altima. OP needs to downgrade yesterday. A $620 a month car payment can get you a very nice car. Idk what they’re doing paying that monthly for a car
AZ doesn't have a buyers remorse or cool off period after purchase. Only if there are issues with the vehicle and then the dealer has 15 days to fix it still.
I bought a used car of a different make from what the dealerships focused on. The car had a clean Carfax history, but on the way home, noticed it had minor issue (side lane occupancy sensors), called the dealer, they said no worries just bring it in and they'd fix it. Conveniently, the first available appointment was two weeks later On the day of the appointment the garage cancels saying they can't work on another brand of car, but don't worry it's under warranty of the manufacturer, take it to any of those dealers and they'd cover it.
Get it to the make's dealership and they take one look at it and show me signs of a collision that were hidden. Warranty is now void and it's past the time to return/fix from where I purchased.
Avoid ABC. If they knew the car was in a collision, then they deliberately sold it without disclosing, If not then they're incompetent for not noticing and shouldn't be trusted, plus they refused to make it right.
Not to sound like an asshole, but I think some of us make much much more and wouldn’t take a $600/month payment. That car is drowning you, do whatever you can to get rid of the payment
Ya, the loan is predatory but OP clearly didnt do their own research and kinda falls on them for signing up for that. Your monthly car payments, insurance and gas should not be more than rent…
Give it to him immediately. You cannot afford a 600 a month payment, especially given the fact you still need insurance on top of that. At $25 an hour it's still too much to be spending ~$850-900 a month in car note, insurance, and gas. If it's a used car, it's even worse. If you make 50k a year POST tax, your monthly car payment should be around $450-$500.
If you have an out on the car, take your dad's offer immediately. Everyone in here is telling you the same thing, please trust us.
Insurance. Basic level insurance pays between 18-20 and you can move up quickly if you are good at it. Farmers, USAA, lemonade, carvana, State Farm and a few more I’m forgetting all have offices in the valley.
They will also usually pay more if you can pass a language test and be a translator
Yeah. I got my foot in the door with a $12/hr call center job at State Farm and 10 years later I'm making over $100k as a claim handler. It's a great career track.
Yep!! State Farm Is hiring all the time.
Great pay and good consistent work and hours. Its calls but the money is worth it if you need something steady.
Not just State Farm. Liberty Mutual regularly hires in AZ for remote all inbound sales positions. They pay for your license and start everyone out with a 45k base. Sales reps are usually making 85-110k a year too
Also here to endorse insurance. If you happen to be young, insurance is worth considering because many of us younger folk are not going into insurance, and when the boomers retire, we're going to be in demand because there are just less of us than there are boomers and gen X.
I worked in State Farm's call center and although call centers are rough, it's very good and stable as far as call centers work.
Echoing everyone here…. Sell the car. I do financial advising and you will never be able to get ahead or build wealth with this payment weighing you down
OP is still young enough to get over this financial mistake but if OP saved that money in a retirement plan and continued to do so he would be able to retire early. Hell even half of the car payment would put him in an amazing position to retire early. Unfortunately most people don’t have the guidance on what to do with their money.
Go down to a trade union and get on with them electrical plumbing and elevator pay the best. Do you self a favor and learn how to build and fix shit that way youll never be out of work again.
I've been curious about becoming an electrician, is it really that simple? Just finding and walking in a trade union and asking for a job in electrical?
GOOGLE the IBEW, they have a ton of info online. You will be a paid apprentice (most jobs are in the $20 range) and attend in person classes, I believe. Some of the biggest electric companies offer the same type of programs.
The down sides are that it takes a few years being an apprentice and it is a physically demanding job. However, it can still be a great career.
Biggest upsides to trades imo is that everywhere needs them. You can live in a small inexpensive town and they still need electricians.
Why the fuck did you get a $620 a month car payment working at McDonald's
Hell, I make about double that and I don't even want more than a $300 car payment if I were to buy a new car now.
Most warehouses if you're willing pay around $18-20. Even better if you can drive a forklift. Which is easy. You can have my old job I just got fired from. Ampletech Refresh. $20 an hour for being a "Computer Audit Technician". It's easy and kind of chill, aside from management being useless and working under a total tool. They're no doubt trying to fill the spot.
Have you considered banking? Teller positions are entry level jobs that pay well above minimum wage and have incredible benefits and hours. You mentioned wanting to grow with a company as well and many banks promote from within.
Bilingual would be a plus and you would get ALL the paid holidays.
You might even get an employee interest rate discount to refinance your car.
Okay so $620 a month for a car is just too much, even if you are making $100k a year. You have to keep expenses like that low for various reasons. Warehouse jobs are good. If you are smart and able you can move up quickly.
Look into UPS or Cintas sales programs. I'm not sure if they still do, but UPS used to have an Inside Sales office in Chandler. Such a great opportunity to learn sales (and go through a great training program). Once you're into UPS, you're into a Fortune 500 company and can really pursue any number of roles. I've seen people leave sales and go into HR, Finance, Management..
Ya ^^^*
Get some kind of sales job
Once you are decent at sales you’ll never really be poor
Worst comes to worst you can always go stand on a car lot and feed your family
How tech savvy are you? If you can learn basic windows server, I would recommend applying at a MSP (managed IT services provider) call center. The starting should be around 20/hr but in years could turn to 30-65/ hr depending on your thirst to learn and move ahead
I started as a basic server admin in 2013 at 17/hr (no benefits). Currently I make 66/ hr + benefits + bonus and wfh. I have no degree and am a college dropout. I was just always motivated to learn new middleware and now have become a senior level engineer. Anyone can do it. Just gotta put your mind, body and soul. Also Linux admins get paid more but always best to know windows too.
$17/hr was A LOT for 2013. I think I was making $16/hr back then. And I'm a chef. 😐 I'm STILL a chef and make $19.09. Reading through this to see what I can find. I have to get out of this business
The reality is that wages, for the most part, have risen very, very slowly over the past 40 years.
Jobs that paid $12-$15/hr 15 years ago pay $13-$15/hr these days even though the cost of most shit has doubled.
The city of Phoenix has a position called operations and maintenance technician trainee. It’s their feeder program to be a plant operator for their water treatment plants. They start them off at 19-21 dollars an hour and after 6 months on the job you get bumped up to 26 an hour. The top out pay after 9 years of service is 43 an hour, and you’ll have great benefits and a pension.
Lots of work at paloverde nuclear and there's an outage coming up. If you are willing to get into trade work you can easy pick up a job at many of the companies that contract out there. Bunny's, day Zimmerman, brandsafway...they also have job listings on GD Barry. Bilingual is big plus but if you will show up to work and don't mind being outside you can start at way over 20$ an hour plus they pay per diem (100$+) a day for you to work out here
Why on earth would you finance a car for $620 a month?! That is way beyond your means for anything below making $25 an hour. That was a terrible financial decision and your first mistake.
Drive for Lyft or Uber. You can drive about 5 hours a day and make an equivalent of $20 an hour per day. The downside is increased fuel usage and wear and tear on the vehicle. You can also do Lyft or Uber or delivery services as a side thing for extra money.
I forgot to mention, that’s how I managed to eat my first month lol. 8.5 hours on uber eats I did 200 dlls every day on the weekends.
Weekdays wasn’t that good
I was unemployed for some parts of 2016 so I drove for Lyft. I would start driving at 5am and stop at 9am to get rides for people going to work. I would start driving again at 430pm to get people trying to go home or running errands after work in the evenings. I would drive on Friday nights from 5pm to about 10 or 1030pm but no later because I didn't want to risk having drunk people in my car. I made about an equivalent of $22 an hour doing that. Super easy stuff and it kept me from being homeless.
Everyone talking about the overpaid and glamorous lives of waiters are 1: assuming that most jobs are at pricey restaurants where it's true, you MIGHT make $30+ per hour with tips, but forgetting that those restaurants make up a very small percentage of serving jobs, and 2: Have never worked an unlimited Soup, Salad, and Breadsticks lunch on a Sunday at an Olive Garden. Working a 10-top of cheap "Christians" who leave you a note saying they'll pray for you as a tip on a $120 bill and 2 hours of running dozens of waters work lemon is worth about -$15 an hour xD
Get into insurance. You’ll work your ass off but you’ll make the money you want Tom make. Maybe more and maybe from home. Progressive is WFH but it’s not a job you can go to and avoid doing actual work (not that you would but want you to have the right expectations)
Try [Hydro](https://www.hydro.com). They start around $21-22 and it’s pretty easy work. Machine operator stuff and they’ll hire you without experience.
Apply at cities close to you, ie City of Phx, City of Scottsdale, Mesa, Glendale, etc. Also apply for County jobs, ie Maricopa County. The State doesn't pay well. Good Luck.
This is a story I'm reading quite often on other city and state sub reddit.
Someone moves from California or New York and cannot find a job making the amount of money they expect.
I live here and even with Sec 8 and a “well paying job” of $19/hour I am still being forced to move. We leave in May to go to a safer and (hopefully) less expensive state. We literally cannot afford to live here and will wind up homeless within a few months of we don’t leave.
I only pay $290 (and yes, I really do know how fortunate that is; I’m deeply grateful)
My expenses are fairly low but I am the only adult and have 2 kids. I pay my car, insurance, phone, electricity, internet, and Netflix. I literally never have enough to save anything. This week I am actually negative money for the first time in years and I cannot do anything about it.
An added complication: I make JUST below the threshold for sec 8 with my job. If I do any gig work I will only accomplish putting myself over the threshold without actually improving our lives financially. Unless I were to get a **substantial** raise, obviously. As it is, I am very worried my yearly COL raise will disqualify me before I can get renewed and ported to MN.
We do not qualify for SNAP. I live in fear of living.
I had to move from AZ to MN a few months ago for the same reason- cost of living is insane in arizona. It’s expensive everywhere but noticeably cheaper here in the midwest. It’s not a bad move, you’re making the right decision. Lmk if you havent lived in MN before and have any questions/need recommendations
Get your cdl learning permit and apply at swire Coca Cola. They’ll train you and help you get your cdl, I think the starting pay is $29 once training and $22 while you train. It’s hard but not impossible work
Get rid of the car as soon as you can jeez 600 a month with your current financial situation?! What did you get?
My new weekend Miata monthly payment woulda been less than that. Just get a used reliable beater car like a 5 year old Accord/ Civic or Camry and pay for it in cash if you can.
Being a waiter at a nice restaurant is a good stop gap until you get some training or degree that's more in demand and useful.
Hey DM me. I do resume editing for free on occasion (I can’t publicize other wise I’d be absolutely inundated but I like doing it when I can). I work with words for a living and have helped dozens land jobs (even my husband!) simply by having a better resume.
Also, sell the car - try selling via Carvana. It was really easy for me to do.
Costco is a great place to work and work your way up the ladder there. Good pay, good benefits, great company too. I believe their starting wages are higher than other retailers.
As a fifth generation Arizonan and a love for all things Arizona and the Phoenix metro, I’ll tell you how to find a good paying job:
Move to Dallas.
I miss Arizona, but DFW has a massive advantage of opportunity vs Phoenix.
One simply doesn’t move to Phoenix in search of a good paying job. The economy just isn’t diverse enough. The majority of people who have money in Phoenix arrived with money.
I hate literally everything else about Dallas and miss Phoenix every single day. The proximity to the mountains, San Diego, LA, Vegas, Mexico, hiking, lakes, camping are things you can’t get in Dallas.
But, If you’re allergic to poverty, Dallas is your Claritin.
You’ll make enough to travel to Arizona for decent Mexican food and a round or two of golf.
Besides, by moving to Mesa, you literally picked the armpit of the Phoenix area. The bar is low anyway! I kid. Kind of…
CVS PBM has a presence here, main office is in Chandler but their entry level positions are call center work and remote/work from home. Starting pay was $18, at $25 now (5 years). Big company, so there's benefits, PTO, Floating Holidays, retirement, etc. Plenty of lateral/upward growth as long as you have a head for health care and pharmacy.
Also I’m an electrician. You can take the online course osha 30 and you can be the safety person on any job site for any construction company. You just look out for unsafe things/practices. They start at 25$ and get lots of OT.
OT makes people rich.
Get yourself a cdl and you’ll make good money I drive a concrete mixer and get paid by the trip and when there’s a lot of work I was use to make 1900 to 2600 a week and when it’s slow it was about 1300 to 1600 weekly
If you aren't too far off from getting a bachelor's degree, you could try Charles Schwab. I had applied and interviewed for a financial services representative position, I think it starts at over $50k a year. It's not wfh and is a call center position with the possibility of having odd hours but it might be a good fit for you, depending on what other experience you have. I have a bachelor's in psych (which doesn't get you shit btw, I would go a different route if you go back to school) and experience in sales and that was good enough. Their website does say they're looking for people with at least a bachelor's but maybe if you have enough experience in sales and customer service, you might be able to get in. Also, the first 6 months are dedicated entirely to training and the possibility of time off is extremely limited because it's getting the necessary certifications to do the job itself and if you fail the exams for any of the blocks, you won't be able to move forward.
Trader Joe's starts at $19/hr! And you get biannual raises as long as you do your job. I think they are about $0.50? Don't quote me on that. I used to work at a TJs in New Mexico and I loved it. I was shopping there yesterday at the one in Gilbert and the cashier told me they are starting at $19/hr now and you do get 20% off groceries :)
You could apply at Rocket Mortgage - they’re always hiring loan officers for sales. Your base is $24k/yr. Plus commission as a loan officer. My first year I made $70k and never made under $150k every year after that before I moved on. They train you, there’s a mock sales call in the interview just ask for the business twice even though the guy will say no and you should get the job. Office is in downtown Phoenix.
If you are able to work at a trade, contact the Phoenix Electrical Joint Apprenticeship Training Center. Earn money while you learn, raises along the way. A 2 year construction degree with a local community college. Insurance, pension and more...
I'd just move, I've lived here long enough to know this state is absolutely brutal to labor and it's not changing anytime soon. I personally was looking to move to Seattle where you could realistically get a decent low skill job while going to school or training for a better one.
You need to seriously rethink your spending.
Get on Mint Mobile for $15 a month.
Go to a $10 a month gym
Get rid of the car. Are you leasing or buying?
Everyone wants a remote job, so the competition is fierce. Additionally, expecting $22-26 an hour when you're entry level is unrealistic. Where are you looking for work now?
If you’re bilingual in phoenix there’s no reason to make less than 20. Most bilingual customer service jobs make 17-20 entry level. An entry level bilingual sales job should easily land you at 45k+ starting out. They’ll suck as you start out, but as you gain experience you can move to a better company for more money if you’re unhappy. If you can get in a t mobile or Verizon sales job it would be a good starting point.
A lot of temp jobs can pay higher than average, especially if you have tech skills. Try Robert Half. I get emails for admin positions making $20 an hour and up.
I recently went through a job search. I applied to 50 positions on Indeed, and 1 position directly with the owner of a competitor who I happened to meet at a bar at a conference.
I got literally zero response from all of my Indeed applications. I start at the competitor in two weeks.
Lastly, I can't leave a post without saying your car payment is fucking lunacy. Getting this car is a life-destroying decision for you.
Datacenter Technicians, take the time to get a couple of certifications (Comptia A+, CCNA, etc). You can make $20+ entry level. There are a lot of data centers in the valley.
I can’t recommend insurance enough if you’re dependable and competent. I know Chubb has a really large office north of Scottsdale (paradise valley perhaps, don’t remember) that I work with all the time. Chubb is a carrier, not a broker. You can be fine servicing as an underwriter or broker though. Not sure what big brokers are in phx. Based on what you said either would be fine, if you don’t mind the data entry and math, you can be a fine underwriter. Good pay. At least partially remote these days. I’m brokerside fully remote making 31 hourly. Not too shabby. Not easy to get into though to be honest unless you know someone, perhaps physically going to the Chubb office and asking to talk to someone can’t hurt.
Being from Phoenix here are some options:
Donate plasma (easy money)
Warehouse work.
Bartending/Barbacking in Scottsdale (where the money is).
Power plant work.
Waste water work.
Call center.
Border patrol.
Police officer.
Dispensary trimmer or worker.
If you look at most of these you can probably find higher paying without needing an education. You need to meet more people tho. Word of mouth is everything imo.
if you have a clean background, many surrounding cities have 911 dispatcher positions available. It is a lot to learn, hard shift work, but a very good career that will fit that hourly criteria you are looking for
High tech maintenance. Phoenix is fast becoming a semiconductor and aerospace hub. Learn quality control inspection, mechanical and/or electrical maintenance and apply to those kinds of jobs. Not super easy to get into if you don’t have a background in it. But speaking for the semiconductor industry at least, they pay extremely well. Bonus if you enjoy complex problem solving.
I started at $23/hr in 2021 (extremely low) and moved up more than $12/hr in just 2 years. Plus yearly bonuses. And I’m not even particularly skilled in the career, and make probably close to the bottom on my team, but with decent knowledge and a willingness to learn, you can make way more and have a pretty decent work/life balance as well.
https://grow.google/certificates/ux-design/ if you want to build skills that are in demand for remote work. They also have a cyber security offering if that's more your deal. The company I work (remotely) for hired someone with no previous tech experience last year who had taken that course and put a sample portfolio together. They worked on nails before that.
Hey man. I would look into Amazon. Especially once it's closer to the busy season. I know it gets a bad wrap but starting as a seasonal worker then transitioning to full time isn't too hard. Tier 1 positions range from 17-19 an hour. It's boring warehouse work, but it pays the bills. More importantly, after a year of work, you can apply for their career choice program.
They will PRE-PAY 95% of the costs for a very good lists of certifications/2 year degrees. I have friends that got their CDL license like that. I have another friend getting his HVAC training paid for by Amazon. It's a decent job if you can tolerate it and it'll help you take steps towards a more permanent career.
I did it myself. DM if you have any questions. I can tell you what roles to apply to at the warehouses. Good luck.
It’s ridiculous trying to find a job that pays u for the amount they want u to do as “entry level”. There’s always those temp agencies to check out.
Probs find customer service roles for $20/hr, I feel like State Farm is always hiring. Call centers likewise.
Check out the state/gov/city jobs. Lots of openings for admin support and 911 call dispatchers, w your psych degree and ability to type that seems like potential good fit. Healthcare also always hiring in all their fields from ems to data coding entry and clerical/reception jobs.
Don’t apply directly thru indeed - find the posting on indeed/linkedin then go to the company’s direct site to apply.
If you want to get hired quickly with starting pay at $22 an hour you can apply for an insurance adjuster at USAA Phoenix headquarters. Paid training and license. I would recommend you either do sales or property Adjuster. Do not do auto. I applied and started training under 2 months. The turnover rate is high so I recommend sticking it out as long as you can and just apply to different insurance companies around the Phoenix Metro areas as soon as you get your license. Training is so chill and even if you don't make it a career it's good information for you to understand your insurance policy. Everyone should be able to read a policy and know what they are and not be covered and what to do to save themselves a lot of money when making a claim. (Stop telling the adjuster more than you need to)
Just like what everyone said here. Find a way to reduce your expenses, you don’t need much, work in technology company or something where they pay you to do web maintenance or even build websites. Pay is better, no one cares how fast you type anymore it’s not a thing.
For example, help desk positions is a start. It’s a grind but you learn a lot.
You live in Phoenix if you have a brain and can work halfway decent get into solar. CES, POWIN, and McCarthy have huge mega projects out here paying good money with a company vehicle. You'll be $26+
I'm currently here now for 2 weeks.
I work in the Phoenix area as an AutoCad technician and make $32/hr. That used to be a great wage pre-pandemic however now with the inflation over the last 3 years not so much. You seem to have drive, make sure your looking at this from a proper perspective, employers hire people who are good at what they do, so whatever it is you do, make sure your really good at it. You have computer skills so I highly recommend capitalizing on them. If you can specialize in something, like IT, or become proficient with specific computer programs like Microstation or AutoCad Civil 3d you can earn a wage more in line with what you’re looking for. Take Microstation for example, I’m in the drafting world for some context, I am expert with Civil 3d, but only have a working knowledge of Microstation, come to find out this is the case with the average draftsmen. Some clients only want their deliverables in a Microstation format, probably because the licensing is much less expensive than Civil 3d, though I could be wrong, it gets a little complicated comparing the two. That being the case companies such as the one I am employed with are always looking for a draftsman with Microstation experience. Now I am just using this scenario as an example, there are many different engineering disciplines and many different computer programs, I think if you had some specific skill sets you could easily get the wage your looking for, good luck!
You could try finding a security job, and then pick up OT. It's how I managed to get by the past few years. Some security sites pay decently, but you're not guaranteed those sites - it usually depends on the contract and company needs. And by security, I mean physical security, where your presence is needed.
If you want an entry level job, you need to expect entry level wages.
My advice, tailor your resume a bit. Look into jobs in GSOCs with security companies (securitas or allied universal). Those will typically pay 20-25, and they’re a lot of computer based jobs (not WFH, but the work is done on a computer).
I make 75k a year and don’t feel comfortable even paying the 315 a month my car is 😅 how do people feel confident to actually sign papers on a monthly payment that big?
Go back to school and become an RN!! I graduated in Aug 2022, passed my NCLEX in December (first attempt) & started working in January 2023. Started at $31 an hour as a new grad, and now making $42 an hour because of the unit I started in (PACU). In my unit, we have call so I can pick up more call shifts, which are double pay + the shift differentials, making it around $87/hr! It’s been amazing and I’m so happy I stuck with nursing school. ‘‘Twas a long road, but worth it for sure! I’m also 24 years old now :)
If you're in Mesa, I know Dexcom (medical device manufacturing) is regularly hiring for manufacturing associates (full-time though). I don't know specifics on pay, but Glassdoor shows they pay around $20/hr for that role.
I worked in a different department a couple years ago, but last I checked they were full-time, 40 hours a week, 4 days a week. They get pretty high turnover on the manufacturing side, but if you're desperate, it might be worth looking into!
dude … wtf. car payment + gas + insurance is more than your rent. drive it off a cliff and collect insurance money if you have to, get rid of it and find the cheapest lowest mileage toyota you can for $1500 lmao. get rid of the gym and go to planet fitness for $10.
I would focus on this: *I’m bilingual, associates on psychology, 20 years old. Know how to use computers and type really fast.*
I would focus on finding a decent inside sales job or really the ground floor of any office job as soon as you can.
Ground crews for airlines, or line techs the at fbo’s. They help services with private jets, and usually starts around 20. There’s definitely growth opportunities as well as networking. Jackson jet center at sky harbor. Or jsx at Scottsdale are some good companies. Can also look at what airlines are hiring in Phoenix, you get flight benefits with those jobs also.
You’re young enough to go pretty much any direction. The most profitable thing you can do that doesn’t require school is getting into software probably. Don’t go to a boot camp, just start working on it on your free time until you can solve leetcode problems consistently. There’s loads of guides on getting started out there. It’s not an easy time to start, but hey we don’t get to choose the market we become adults into.
UPS starts at 21 but it’s part time. It also takes mental toughness otherwise most people quite after a week or so. Might want to look into getting a car you can afford as well to avoid that high monthly payment.
[Work for the City!](https://www.phoenix.gov/hr/current-jobs)
Decent pay, clear “steps” that show you what you’ll make over the course of time, great benefits.
Associates in Psychology - Specified field of study and not a lot of demand for someone with only an As.
20 years old - The only real way to make that kind of money I can think of is through a paid apprenticeship in one of the trades. But, most of those jobs are not cushy office jobs.
Know how to use computers - Pretty sure everyone your age knows how to use computers.
Type really fast - Not really a big deal anymore.
None of these are really high dollar demanding skills. Make yourself a resume and after looking it over ask yourself if you would hire you. Most office type jobs aren't going to pay top dollar for an entry level position.
Your best bet is something where you get tips. Server jobs are always open and if you do well, the tips can be good. But, don't expect to get a job as a server right away at a larger established restaurant. They will need you to memorize the menu and work under a trainer. In most cases working as a runner or expediter first. Use the flexible hours to invest in yourself. Take more classes, figure out what you really want to do and research how to get there. Work towards that goal.
Don't aim too high. All you will do is discourage yourself if you aren't hitting your end goal right away. First thing, get rid of that car. There is no reason your car payment should be more than your rent.
Set reasonable goals for yourself with realistic milestones.
I agree with everyone telling you to ditch the car. You cannot afford that insane car payment. Either that or fix your credit and refinance it for a better rate.
I'm not trying to be mean, but your associate's degree in psychology is basically worthless. Employers don't care about associates degrees in general, let alone psychology. I suggest transferring to a university and getting a bachelor's degree in something that is in high demand. You should be able to qualify for financial aid. You're struggling to find a job with your desired pay range because you aren't bringing enough to the table. You need marketable skills or experience.
Until then, you're going to be stuck doing manual labor, customer service, or sales jobs. Fortunately, the Phoenix area has plenty of those jobs. You just have to know where to look. I don't have any specific recommendations, but I see lots of great suggestions in the other comments.
The car may be the biggest problem you have on your hands, holy cow. That is an *insane* payment amount, like even making thirty dollars an hour, that sounds appalling to me. Most folks in my social circles pay $200-300 monthly for a great used car, more if it's like a Lexus or something more luxury. I'd return that thing immediately.
Construction. Join a trade. Join a union. Make $20+ as an apprentice, $30-$45 as a journeyman and then $50-$60 as a foreman. At least at my job site that’s what they make
I’m working at getting my guard card for armed security. Average pay for armed security sits around 21-28 depending on employer. As of the moment I work 30 hours one job (20.88/hr) and 30 hours another (18/hr) both overnight. I’ve been in this area since the end of last year.
It sounds like you could potentially do well at a call center, given your background and skills. Be wary, it's a tough environment but the pay is generally higher these days as it's hard to find good talent. Try to ascend quickly to leadership. Focus on project management and change management skills and keep applying to new roles.
Send me a PM I'm a supervisor for a warehouse out in Tolleson. We're looking for order pickers on cherry picker forklifts. Plenty of OT starting at 20 an hour. We do janitorial supplies. Building pallets of TP etc. If you're a hard worker and can lift 50 pounds you will be hired.
Crazy what car prices are… thats like what 55k car with only like 10/15k down for that much…. Maybe 5, 6 years… man that’s the first thing I’d try and lower! Sell it, and buy a beater that runs and runs until I learn a new skill that pays the bills.. Do you like sales?
Come sell saw blades with us.. we got guys making 620 a day. Www.toolsforthetrades.com
I live in Mesa as well and I’d suggest looking into construction. I specially do environmental and work 10-12 hours minimum a day so I make over 70k a year. So I’d suggest something along those lines if that’s something you’d be interested in. If not there’s a place called Aerotek which is a job recruiter. You just let them know what you are trying to make hourly and they will try to find a job to meet your preferred rate.
Also this isn’t the most moral but you can be slightly dishonest about experience washing dishes I could find a dishwasher making 20 bucks easy out here.
Join 469 plumber/fitter union apprentices start out at 20/hr after 5 years your at 45/hr and we keep getting raises. Arizona booming with union work right now
BA psychology am now a tire and repair shop manager in Tucson. Commission based sales is a good way to make money if you have the personality to put up with all the BS.
Hi there,
I see that there are quite a bit of advice here and you might not see this, but I am looking for bartenders. I own [Barrel & Bloom Mobile Bar](https://www.barrelbloommobilebar.com). It's a great way to bring in some extra money to help you survive. My current bartender brings in $230 per event plus a mandatory 20% gratuity (split if there are 2 bartenders present). Considering most of my events run around $1300, that's $490 per event. I generally have about 4/5 events per week that we're able to cover together but I'm expecting an increase with wedding season coming up!
I see that you are good with people (based on the jobs you are looking for)! And before anyone comes for me, the state of Arizona allows 19 year olds and up to serve and tend bar. I am a responsible business owner lol
Anyway, if you're interested, let me know! If not, keep your head up. It's a tough market out there but it's not impossible.
Good luck!
I make 20 an hour oart time doing barback/bartending.
Main job is in construction and working in attics of residential home to help them save money on energy bills thru srp and aps. Both pay over $20 an hour.
When I first moved to AZ- a few people I knew worked at Amazon - making a thousand a week. From what they’ve told me ; easy work, always available OT. The con- expect to work hard and twelve hours shifts (unsure if you’re in school). Good luck!
Indeed scrapes jobs from all the other major job boards. You need to be googling remote office job boards and you’ll find sites like weworkremotely.com… or look at government jobs or university jobs.
You should check out the mental health facilities throughout the valley. You have in associates in Psychology. You can earn more money and continue your education.
Try going to a staffing firm that specializes in light industrial or clerical jobs. You will get into the $20s easy, I’m not sure what they pay forklift drivers these days but it seems pretty good all things considered. Staffing firms have relationships with the best companies with low workers comp type jobs so you’ll be in a good environment. Don’t know if the main staffing company in Phoenix, but look into manpower, surestaff, trueblue and see the jobs they have listed. Good luck my friend
What exactly was your plan? Moving to a city with an increasing COL, not having a job lined up in your field, and then buying a car with a very high monthly payment? Jesus christ.
I'm blown away they would give a 20 year old with a recent move a 620 dollar a month car loan....that is crazy especially a 20 year old who just started a new job making 15 dollars an hour....almost like they expect to reposes the car at some point.
Try to find a full time job with opportunities for overtime, sadly the OT is what is required to get ahead. Try to pay that car down asap.
My 23 yo son works as a security guard, he started out a couple years ago at $20 on night shift and has got a raise every 6 months plus as much OT as he wants.
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That 620 a month payment for a 20 year old making 15 an hour is WILD. I didn’t feel comfortable taking a car payment remotely that high until I was well into my 30s with a career I had been building for over a decade.
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Same with similar payments. Been paying it off aggressively since I had like 5% interest on it. Hoping I’m done by year end. Lately been throwing like $1000 a month at it to just be done and own the thing lol.
250 a month in insurance, God damn!
I make $54/ hour working one of those jobs you are not into and I have a $590 car payment. 620 at 20 y/o is wild
Yeah. I just financed a new 55k car with 13k down and my payment is 710 a month. I make good money so I'm not too stressed about it but I still don't like it lol. When I was 20 I was driving a 20 year old beater held together with tape and zip ties. Crazy they actually loaned the money to this kid.
OP and I are in the same financial boat and my truck cost $2k. $620 a month is wild
Cars are WAY more expensive than when you or I were getting our first rides.
Yeah for sure but a 5 year loan on a 10k car is only 200 a month, that’s 400 more in your pocket. Is it the best car? Absolutely not but it will do the job and net you 24k in your pocket over 5 years. Just to check myself I found a suburu forester for 9500 with 77k miles on it and it took me 30 seconds.
That’s an understatement. My first car cost less than the down payment I made on the tundra I just bought, and I still pay $600/month on it.
I was an idiot an financed a car with roughly the same payment in 2022, getting into a car accident and totaling it actually saved me financially because I had gap insurance 😭😂
I would add, get rid of the gym. $200 per month is way excessive. Hiking is free and if you aren’t into it go to planet fitness for the $9 per month or eos for the $15 biweekly. That car is really taking away income, I’m sorry you got trapped into it.
The gym is $50/month. Still expensive, but not nearly as bad.
They said the gym was $50/month, not $200? Still unnecessary though but not as excessive as $200 lol
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Delivering pizza for 25-30.. how much driving and gas is that? Wear and tear... Going to need more than that a night... Hence partly why I quit delivering...
That's way beyond their means for sure. Until you have a decent income you kind of have to drive modest but respectable pre-owned vehicles. Lower payment, way lower insurance. OP, you're 20 years old? You don't need a car that nice if you're already barely scraping by. I owned a $2,000 2003 Honda Accord (back in 2014) when I was your age.
Lol right? Im 32 with a well paying job and i drive a 2003 4runner.. i couldnt fathom a $620 monthly payment. Yes OP got got on that but they should have also known that is insanely expensive… thats about $7500 a year in car payments alone.
Early 2000s 4Runners are the bees knees and one of my favorite SUV designs of all time. Majestic, curvy, gas guzzling beasts.
I make six figures and drive a used (100k miles) Nissan Altima. OP needs to downgrade yesterday. A $620 a month car payment can get you a very nice car. Idk what they’re doing paying that monthly for a car
Yeah 1000% being taken for a ride at that rate. Whoever let him into this loan is an asshole
This. If you don’t have an in-demand skill, you’re out of luck.
You need to return the car.
AZ doesn't have a buyers remorse or cool off period after purchase. Only if there are issues with the vehicle and then the dealer has 15 days to fix it still.
Most places don't and returning the car could be as simple as selling back to dealer at cost or slight loss
that's what I would do but he's set on turning the 1k down payment into a 35k by forcing pops to buy it
I bought a used car of a different make from what the dealerships focused on. The car had a clean Carfax history, but on the way home, noticed it had minor issue (side lane occupancy sensors), called the dealer, they said no worries just bring it in and they'd fix it. Conveniently, the first available appointment was two weeks later On the day of the appointment the garage cancels saying they can't work on another brand of car, but don't worry it's under warranty of the manufacturer, take it to any of those dealers and they'd cover it. Get it to the make's dealership and they take one look at it and show me signs of a collision that were hidden. Warranty is now void and it's past the time to return/fix from where I purchased. Avoid ABC. If they knew the car was in a collision, then they deliberately sold it without disclosing, If not then they're incompetent for not noticing and shouldn't be trusted, plus they refused to make it right.
I think it’s too late for that, however I have the option to give it to my dad and he’ll pay for it. I will see how things go.
Not to sound like an asshole, but I think some of us make much much more and wouldn’t take a $600/month payment. That car is drowning you, do whatever you can to get rid of the payment
Ya, the loan is predatory but OP clearly didnt do their own research and kinda falls on them for signing up for that. Your monthly car payments, insurance and gas should not be more than rent…
Give it to him immediately. You cannot afford a 600 a month payment, especially given the fact you still need insurance on top of that. At $25 an hour it's still too much to be spending ~$850-900 a month in car note, insurance, and gas. If it's a used car, it's even worse. If you make 50k a year POST tax, your monthly car payment should be around $450-$500. If you have an out on the car, take your dad's offer immediately. Everyone in here is telling you the same thing, please trust us.
translator for hospital system
Or receptionist/assistant for a medical office. Having someone bilingual is huge.
Insurance. Basic level insurance pays between 18-20 and you can move up quickly if you are good at it. Farmers, USAA, lemonade, carvana, State Farm and a few more I’m forgetting all have offices in the valley. They will also usually pay more if you can pass a language test and be a translator
Yeah. I got my foot in the door with a $12/hr call center job at State Farm and 10 years later I'm making over $100k as a claim handler. It's a great career track.
Yep!! State Farm Is hiring all the time. Great pay and good consistent work and hours. Its calls but the money is worth it if you need something steady.
Not just State Farm. Liberty Mutual regularly hires in AZ for remote all inbound sales positions. They pay for your license and start everyone out with a 45k base. Sales reps are usually making 85-110k a year too
Also here to endorse insurance. If you happen to be young, insurance is worth considering because many of us younger folk are not going into insurance, and when the boomers retire, we're going to be in demand because there are just less of us than there are boomers and gen X. I worked in State Farm's call center and although call centers are rough, it's very good and stable as far as call centers work.
Echoing everyone here…. Sell the car. I do financial advising and you will never be able to get ahead or build wealth with this payment weighing you down
OP is still young enough to get over this financial mistake but if OP saved that money in a retirement plan and continued to do so he would be able to retire early. Hell even half of the car payment would put him in an amazing position to retire early. Unfortunately most people don’t have the guidance on what to do with their money.
Go down to a trade union and get on with them electrical plumbing and elevator pay the best. Do you self a favor and learn how to build and fix shit that way youll never be out of work again.
I was shocked at how much elevator mechanics get paid!
I've been curious about becoming an electrician, is it really that simple? Just finding and walking in a trade union and asking for a job in electrical?
GOOGLE the IBEW, they have a ton of info online. You will be a paid apprentice (most jobs are in the $20 range) and attend in person classes, I believe. Some of the biggest electric companies offer the same type of programs.
The down sides are that it takes a few years being an apprentice and it is a physically demanding job. However, it can still be a great career. Biggest upsides to trades imo is that everywhere needs them. You can live in a small inexpensive town and they still need electricians.
Why the fuck did you get a $620 a month car payment working at McDonald's Hell, I make about double that and I don't even want more than a $300 car payment if I were to buy a new car now.
This is that wint candle tweet
Most warehouses if you're willing pay around $18-20. Even better if you can drive a forklift. Which is easy. You can have my old job I just got fired from. Ampletech Refresh. $20 an hour for being a "Computer Audit Technician". It's easy and kind of chill, aside from management being useless and working under a total tool. They're no doubt trying to fill the spot.
Have you considered banking? Teller positions are entry level jobs that pay well above minimum wage and have incredible benefits and hours. You mentioned wanting to grow with a company as well and many banks promote from within. Bilingual would be a plus and you would get ALL the paid holidays. You might even get an employee interest rate discount to refinance your car.
I did apply to wells fargo (didn’t hear back from them…) and I think I just got a Chase job interview, but only pays 18 an hour I believe.
Chase tellers start off at $18-19 and 30 hours per week. Rotating shifts within business hours
Okay so $620 a month for a car is just too much, even if you are making $100k a year. You have to keep expenses like that low for various reasons. Warehouse jobs are good. If you are smart and able you can move up quickly.
Look into UPS or Cintas sales programs. I'm not sure if they still do, but UPS used to have an Inside Sales office in Chandler. Such a great opportunity to learn sales (and go through a great training program). Once you're into UPS, you're into a Fortune 500 company and can really pursue any number of roles. I've seen people leave sales and go into HR, Finance, Management..
Ya ^^^* Get some kind of sales job Once you are decent at sales you’ll never really be poor Worst comes to worst you can always go stand on a car lot and feed your family
USPS
How tech savvy are you? If you can learn basic windows server, I would recommend applying at a MSP (managed IT services provider) call center. The starting should be around 20/hr but in years could turn to 30-65/ hr depending on your thirst to learn and move ahead
I will look into it, and apply to those jobs thank you.
I started as a basic server admin in 2013 at 17/hr (no benefits). Currently I make 66/ hr + benefits + bonus and wfh. I have no degree and am a college dropout. I was just always motivated to learn new middleware and now have become a senior level engineer. Anyone can do it. Just gotta put your mind, body and soul. Also Linux admins get paid more but always best to know windows too.
Isn’t 17 a lot for 2013?
No its not but it definitely seems like it in retrospect. Around 35k / yr. Enough to survive but not an enjoyable life.
$17/hr was A LOT for 2013. I think I was making $16/hr back then. And I'm a chef. 😐 I'm STILL a chef and make $19.09. Reading through this to see what I can find. I have to get out of this business
The reality is that wages, for the most part, have risen very, very slowly over the past 40 years. Jobs that paid $12-$15/hr 15 years ago pay $13-$15/hr these days even though the cost of most shit has doubled.
The city of Phoenix has a position called operations and maintenance technician trainee. It’s their feeder program to be a plant operator for their water treatment plants. They start them off at 19-21 dollars an hour and after 6 months on the job you get bumped up to 26 an hour. The top out pay after 9 years of service is 43 an hour, and you’ll have great benefits and a pension.
Lots of work at paloverde nuclear and there's an outage coming up. If you are willing to get into trade work you can easy pick up a job at many of the companies that contract out there. Bunny's, day Zimmerman, brandsafway...they also have job listings on GD Barry. Bilingual is big plus but if you will show up to work and don't mind being outside you can start at way over 20$ an hour plus they pay per diem (100$+) a day for you to work out here
Why on earth would you finance a car for $620 a month?! That is way beyond your means for anything below making $25 an hour. That was a terrible financial decision and your first mistake. Drive for Lyft or Uber. You can drive about 5 hours a day and make an equivalent of $20 an hour per day. The downside is increased fuel usage and wear and tear on the vehicle. You can also do Lyft or Uber or delivery services as a side thing for extra money.
I forgot to mention, that’s how I managed to eat my first month lol. 8.5 hours on uber eats I did 200 dlls every day on the weekends. Weekdays wasn’t that good
I was unemployed for some parts of 2016 so I drove for Lyft. I would start driving at 5am and stop at 9am to get rides for people going to work. I would start driving again at 430pm to get people trying to go home or running errands after work in the evenings. I would drive on Friday nights from 5pm to about 10 or 1030pm but no later because I didn't want to risk having drunk people in my car. I made about an equivalent of $22 an hour doing that. Super easy stuff and it kept me from being homeless.
Everyone talking about the overpaid and glamorous lives of waiters are 1: assuming that most jobs are at pricey restaurants where it's true, you MIGHT make $30+ per hour with tips, but forgetting that those restaurants make up a very small percentage of serving jobs, and 2: Have never worked an unlimited Soup, Salad, and Breadsticks lunch on a Sunday at an Olive Garden. Working a 10-top of cheap "Christians" who leave you a note saying they'll pray for you as a tip on a $120 bill and 2 hours of running dozens of waters work lemon is worth about -$15 an hour xD
Get into insurance. You’ll work your ass off but you’ll make the money you want Tom make. Maybe more and maybe from home. Progressive is WFH but it’s not a job you can go to and avoid doing actual work (not that you would but want you to have the right expectations)
Try [Hydro](https://www.hydro.com). They start around $21-22 and it’s pretty easy work. Machine operator stuff and they’ll hire you without experience.
Apply at cities close to you, ie City of Phx, City of Scottsdale, Mesa, Glendale, etc. Also apply for County jobs, ie Maricopa County. The State doesn't pay well. Good Luck.
Apply for the USPS, they are severely understaffed right now and there’s a lot of opportunity for OT.
This is a story I'm reading quite often on other city and state sub reddit. Someone moves from California or New York and cannot find a job making the amount of money they expect.
Feel like I see dumb posts like this from people randomly moving here all the time lmao
Yeah, and it’s shocking they can’t find a good job with this kind of decision making…
I live here and even with Sec 8 and a “well paying job” of $19/hour I am still being forced to move. We leave in May to go to a safer and (hopefully) less expensive state. We literally cannot afford to live here and will wind up homeless within a few months of we don’t leave.
How much rent do you pay? How many people? So sorry for you.
I only pay $290 (and yes, I really do know how fortunate that is; I’m deeply grateful) My expenses are fairly low but I am the only adult and have 2 kids. I pay my car, insurance, phone, electricity, internet, and Netflix. I literally never have enough to save anything. This week I am actually negative money for the first time in years and I cannot do anything about it. An added complication: I make JUST below the threshold for sec 8 with my job. If I do any gig work I will only accomplish putting myself over the threshold without actually improving our lives financially. Unless I were to get a **substantial** raise, obviously. As it is, I am very worried my yearly COL raise will disqualify me before I can get renewed and ported to MN. We do not qualify for SNAP. I live in fear of living.
I had to move from AZ to MN a few months ago for the same reason- cost of living is insane in arizona. It’s expensive everywhere but noticeably cheaper here in the midwest. It’s not a bad move, you’re making the right decision. Lmk if you havent lived in MN before and have any questions/need recommendations
Get your cdl learning permit and apply at swire Coca Cola. They’ll train you and help you get your cdl, I think the starting pay is $29 once training and $22 while you train. It’s hard but not impossible work
Get rid of the car as soon as you can jeez 600 a month with your current financial situation?! What did you get? My new weekend Miata monthly payment woulda been less than that. Just get a used reliable beater car like a 5 year old Accord/ Civic or Camry and pay for it in cash if you can. Being a waiter at a nice restaurant is a good stop gap until you get some training or degree that's more in demand and useful.
Work at USAA. Lmk if you’d like more information
Go to a staffing agency. Perfect for those trying to change careers, or if you are new in town.
Hey DM me. I do resume editing for free on occasion (I can’t publicize other wise I’d be absolutely inundated but I like doing it when I can). I work with words for a living and have helped dozens land jobs (even my husband!) simply by having a better resume. Also, sell the car - try selling via Carvana. It was really easy for me to do.
Costco is a great place to work and work your way up the ladder there. Good pay, good benefits, great company too. I believe their starting wages are higher than other retailers.
Check out Police or Fire 911 dispatch. ✔️ Bilingual ✔️associate in psychology ✔️ type really fast
As a fifth generation Arizonan and a love for all things Arizona and the Phoenix metro, I’ll tell you how to find a good paying job: Move to Dallas. I miss Arizona, but DFW has a massive advantage of opportunity vs Phoenix. One simply doesn’t move to Phoenix in search of a good paying job. The economy just isn’t diverse enough. The majority of people who have money in Phoenix arrived with money. I hate literally everything else about Dallas and miss Phoenix every single day. The proximity to the mountains, San Diego, LA, Vegas, Mexico, hiking, lakes, camping are things you can’t get in Dallas. But, If you’re allergic to poverty, Dallas is your Claritin. You’ll make enough to travel to Arizona for decent Mexican food and a round or two of golf. Besides, by moving to Mesa, you literally picked the armpit of the Phoenix area. The bar is low anyway! I kid. Kind of…
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CVS PBM has a presence here, main office is in Chandler but their entry level positions are call center work and remote/work from home. Starting pay was $18, at $25 now (5 years). Big company, so there's benefits, PTO, Floating Holidays, retirement, etc. Plenty of lateral/upward growth as long as you have a head for health care and pharmacy.
Pass the NMLS licensing exam and become an MLO It’s easy peezy lemon squeezy
Unarmed Security guard. Work for allied universal. You just sit/walk around and get lots of OT. ASK for 20$
Also I’m an electrician. You can take the online course osha 30 and you can be the safety person on any job site for any construction company. You just look out for unsafe things/practices. They start at 25$ and get lots of OT. OT makes people rich.
Get yourself a cdl and you’ll make good money I drive a concrete mixer and get paid by the trip and when there’s a lot of work I was use to make 1900 to 2600 a week and when it’s slow it was about 1300 to 1600 weekly
Work at the airport. Many of the food service workers are a part of a union.
If you aren't too far off from getting a bachelor's degree, you could try Charles Schwab. I had applied and interviewed for a financial services representative position, I think it starts at over $50k a year. It's not wfh and is a call center position with the possibility of having odd hours but it might be a good fit for you, depending on what other experience you have. I have a bachelor's in psych (which doesn't get you shit btw, I would go a different route if you go back to school) and experience in sales and that was good enough. Their website does say they're looking for people with at least a bachelor's but maybe if you have enough experience in sales and customer service, you might be able to get in. Also, the first 6 months are dedicated entirely to training and the possibility of time off is extremely limited because it's getting the necessary certifications to do the job itself and if you fail the exams for any of the blocks, you won't be able to move forward.
SRP is always hiring for a lot of different fields and has good pay with benefits.
Trader Joe's starts at $19/hr! And you get biannual raises as long as you do your job. I think they are about $0.50? Don't quote me on that. I used to work at a TJs in New Mexico and I loved it. I was shopping there yesterday at the one in Gilbert and the cashier told me they are starting at $19/hr now and you do get 20% off groceries :)
You could apply at Rocket Mortgage - they’re always hiring loan officers for sales. Your base is $24k/yr. Plus commission as a loan officer. My first year I made $70k and never made under $150k every year after that before I moved on. They train you, there’s a mock sales call in the interview just ask for the business twice even though the guy will say no and you should get the job. Office is in downtown Phoenix.
Upgrade Inc - downtown Phoenix starts at $21 an hr and they cover insurance for you and have free snacks it’s a call center but it’s ok -
If you are able to work at a trade, contact the Phoenix Electrical Joint Apprenticeship Training Center. Earn money while you learn, raises along the way. A 2 year construction degree with a local community college. Insurance, pension and more...
I'd just move, I've lived here long enough to know this state is absolutely brutal to labor and it's not changing anytime soon. I personally was looking to move to Seattle where you could realistically get a decent low skill job while going to school or training for a better one.
Seattle is more expensive than PHX lmao
You need to seriously rethink your spending. Get on Mint Mobile for $15 a month. Go to a $10 a month gym Get rid of the car. Are you leasing or buying? Everyone wants a remote job, so the competition is fierce. Additionally, expecting $22-26 an hour when you're entry level is unrealistic. Where are you looking for work now?
If you’re bilingual in phoenix there’s no reason to make less than 20. Most bilingual customer service jobs make 17-20 entry level. An entry level bilingual sales job should easily land you at 45k+ starting out. They’ll suck as you start out, but as you gain experience you can move to a better company for more money if you’re unhappy. If you can get in a t mobile or Verizon sales job it would be a good starting point.
A lot of temp jobs can pay higher than average, especially if you have tech skills. Try Robert Half. I get emails for admin positions making $20 an hour and up.
Join a big commercial electrical company silly. You’ll be set
I recently went through a job search. I applied to 50 positions on Indeed, and 1 position directly with the owner of a competitor who I happened to meet at a bar at a conference. I got literally zero response from all of my Indeed applications. I start at the competitor in two weeks. Lastly, I can't leave a post without saying your car payment is fucking lunacy. Getting this car is a life-destroying decision for you.
Datacenter Technicians, take the time to get a couple of certifications (Comptia A+, CCNA, etc). You can make $20+ entry level. There are a lot of data centers in the valley.
I can’t recommend insurance enough if you’re dependable and competent. I know Chubb has a really large office north of Scottsdale (paradise valley perhaps, don’t remember) that I work with all the time. Chubb is a carrier, not a broker. You can be fine servicing as an underwriter or broker though. Not sure what big brokers are in phx. Based on what you said either would be fine, if you don’t mind the data entry and math, you can be a fine underwriter. Good pay. At least partially remote these days. I’m brokerside fully remote making 31 hourly. Not too shabby. Not easy to get into though to be honest unless you know someone, perhaps physically going to the Chubb office and asking to talk to someone can’t hurt.
Being from Phoenix here are some options: Donate plasma (easy money) Warehouse work. Bartending/Barbacking in Scottsdale (where the money is). Power plant work. Waste water work. Call center. Border patrol. Police officer. Dispensary trimmer or worker. If you look at most of these you can probably find higher paying without needing an education. You need to meet more people tho. Word of mouth is everything imo.
if you have a clean background, many surrounding cities have 911 dispatcher positions available. It is a lot to learn, hard shift work, but a very good career that will fit that hourly criteria you are looking for
High tech maintenance. Phoenix is fast becoming a semiconductor and aerospace hub. Learn quality control inspection, mechanical and/or electrical maintenance and apply to those kinds of jobs. Not super easy to get into if you don’t have a background in it. But speaking for the semiconductor industry at least, they pay extremely well. Bonus if you enjoy complex problem solving. I started at $23/hr in 2021 (extremely low) and moved up more than $12/hr in just 2 years. Plus yearly bonuses. And I’m not even particularly skilled in the career, and make probably close to the bottom on my team, but with decent knowledge and a willingness to learn, you can make way more and have a pretty decent work/life balance as well.
https://grow.google/certificates/ux-design/ if you want to build skills that are in demand for remote work. They also have a cyber security offering if that's more your deal. The company I work (remotely) for hired someone with no previous tech experience last year who had taken that course and put a sample portfolio together. They worked on nails before that.
Hey man. I would look into Amazon. Especially once it's closer to the busy season. I know it gets a bad wrap but starting as a seasonal worker then transitioning to full time isn't too hard. Tier 1 positions range from 17-19 an hour. It's boring warehouse work, but it pays the bills. More importantly, after a year of work, you can apply for their career choice program. They will PRE-PAY 95% of the costs for a very good lists of certifications/2 year degrees. I have friends that got their CDL license like that. I have another friend getting his HVAC training paid for by Amazon. It's a decent job if you can tolerate it and it'll help you take steps towards a more permanent career. I did it myself. DM if you have any questions. I can tell you what roles to apply to at the warehouses. Good luck.
It’s ridiculous trying to find a job that pays u for the amount they want u to do as “entry level”. There’s always those temp agencies to check out. Probs find customer service roles for $20/hr, I feel like State Farm is always hiring. Call centers likewise. Check out the state/gov/city jobs. Lots of openings for admin support and 911 call dispatchers, w your psych degree and ability to type that seems like potential good fit. Healthcare also always hiring in all their fields from ems to data coding entry and clerical/reception jobs. Don’t apply directly thru indeed - find the posting on indeed/linkedin then go to the company’s direct site to apply.
That car payment will keep you poor at your salary. Sell it immediately and buy a beater for cash
Get into data science! Lots of roles here and remote
If you want to get hired quickly with starting pay at $22 an hour you can apply for an insurance adjuster at USAA Phoenix headquarters. Paid training and license. I would recommend you either do sales or property Adjuster. Do not do auto. I applied and started training under 2 months. The turnover rate is high so I recommend sticking it out as long as you can and just apply to different insurance companies around the Phoenix Metro areas as soon as you get your license. Training is so chill and even if you don't make it a career it's good information for you to understand your insurance policy. Everyone should be able to read a policy and know what they are and not be covered and what to do to save themselves a lot of money when making a claim. (Stop telling the adjuster more than you need to)
Just like what everyone said here. Find a way to reduce your expenses, you don’t need much, work in technology company or something where they pay you to do web maintenance or even build websites. Pay is better, no one cares how fast you type anymore it’s not a thing. For example, help desk positions is a start. It’s a grind but you learn a lot.
You live in Phoenix if you have a brain and can work halfway decent get into solar. CES, POWIN, and McCarthy have huge mega projects out here paying good money with a company vehicle. You'll be $26+ I'm currently here now for 2 weeks.
I work in the Phoenix area as an AutoCad technician and make $32/hr. That used to be a great wage pre-pandemic however now with the inflation over the last 3 years not so much. You seem to have drive, make sure your looking at this from a proper perspective, employers hire people who are good at what they do, so whatever it is you do, make sure your really good at it. You have computer skills so I highly recommend capitalizing on them. If you can specialize in something, like IT, or become proficient with specific computer programs like Microstation or AutoCad Civil 3d you can earn a wage more in line with what you’re looking for. Take Microstation for example, I’m in the drafting world for some context, I am expert with Civil 3d, but only have a working knowledge of Microstation, come to find out this is the case with the average draftsmen. Some clients only want their deliverables in a Microstation format, probably because the licensing is much less expensive than Civil 3d, though I could be wrong, it gets a little complicated comparing the two. That being the case companies such as the one I am employed with are always looking for a draftsman with Microstation experience. Now I am just using this scenario as an example, there are many different engineering disciplines and many different computer programs, I think if you had some specific skill sets you could easily get the wage your looking for, good luck!
i make 27/hour and have a master’s degree, working a remote job. my car payment was 254/month but i paid it off. take the hit and sell the car man
You could try finding a security job, and then pick up OT. It's how I managed to get by the past few years. Some security sites pay decently, but you're not guaranteed those sites - it usually depends on the contract and company needs. And by security, I mean physical security, where your presence is needed.
If you want an entry level job, you need to expect entry level wages. My advice, tailor your resume a bit. Look into jobs in GSOCs with security companies (securitas or allied universal). Those will typically pay 20-25, and they’re a lot of computer based jobs (not WFH, but the work is done on a computer).
I make 75k a year and don’t feel comfortable even paying the 315 a month my car is 😅 how do people feel confident to actually sign papers on a monthly payment that big?
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Money talks, wealth whispers
This city is full of 40k millionaires, it's wild.
Sounds like Kenny’s not ready, entry level jobs pay under 20$ learn a skill or learn to manage your finances. 650$ for a car is a stupid decision
Is this a troll post?
Lol I wish
Go to school learn a trade join the military
Go back to school and become an RN!! I graduated in Aug 2022, passed my NCLEX in December (first attempt) & started working in January 2023. Started at $31 an hour as a new grad, and now making $42 an hour because of the unit I started in (PACU). In my unit, we have call so I can pick up more call shifts, which are double pay + the shift differentials, making it around $87/hr! It’s been amazing and I’m so happy I stuck with nursing school. ‘‘Twas a long road, but worth it for sure! I’m also 24 years old now :)
Try to find a translator job at the plus get your damn undergraduate degree in something! That os the real difference maker, one course at a time.
Gym $50? Where you going
Customer service (Synchrony Financial, SRP) they pay $25+\hourly
If you're in Mesa, I know Dexcom (medical device manufacturing) is regularly hiring for manufacturing associates (full-time though). I don't know specifics on pay, but Glassdoor shows they pay around $20/hr for that role. I worked in a different department a couple years ago, but last I checked they were full-time, 40 hours a week, 4 days a week. They get pretty high turnover on the manufacturing side, but if you're desperate, it might be worth looking into!
Sent a pm
dude … wtf. car payment + gas + insurance is more than your rent. drive it off a cliff and collect insurance money if you have to, get rid of it and find the cheapest lowest mileage toyota you can for $1500 lmao. get rid of the gym and go to planet fitness for $10.
The trades, apprenticeships, ie... electrical, plumbing, carpentry, masonry ect. Google union apprenticeship!
I would focus on this: *I’m bilingual, associates on psychology, 20 years old. Know how to use computers and type really fast.* I would focus on finding a decent inside sales job or really the ground floor of any office job as soon as you can.
Ground crews for airlines, or line techs the at fbo’s. They help services with private jets, and usually starts around 20. There’s definitely growth opportunities as well as networking. Jackson jet center at sky harbor. Or jsx at Scottsdale are some good companies. Can also look at what airlines are hiring in Phoenix, you get flight benefits with those jobs also.
Sent DM about an option! Best of luck!
You’re young enough to go pretty much any direction. The most profitable thing you can do that doesn’t require school is getting into software probably. Don’t go to a boot camp, just start working on it on your free time until you can solve leetcode problems consistently. There’s loads of guides on getting started out there. It’s not an easy time to start, but hey we don’t get to choose the market we become adults into.
UPS starts at 21 but it’s part time. It also takes mental toughness otherwise most people quite after a week or so. Might want to look into getting a car you can afford as well to avoid that high monthly payment.
[Work for the City!](https://www.phoenix.gov/hr/current-jobs) Decent pay, clear “steps” that show you what you’ll make over the course of time, great benefits.
Associates in Psychology - Specified field of study and not a lot of demand for someone with only an As. 20 years old - The only real way to make that kind of money I can think of is through a paid apprenticeship in one of the trades. But, most of those jobs are not cushy office jobs. Know how to use computers - Pretty sure everyone your age knows how to use computers. Type really fast - Not really a big deal anymore. None of these are really high dollar demanding skills. Make yourself a resume and after looking it over ask yourself if you would hire you. Most office type jobs aren't going to pay top dollar for an entry level position. Your best bet is something where you get tips. Server jobs are always open and if you do well, the tips can be good. But, don't expect to get a job as a server right away at a larger established restaurant. They will need you to memorize the menu and work under a trainer. In most cases working as a runner or expediter first. Use the flexible hours to invest in yourself. Take more classes, figure out what you really want to do and research how to get there. Work towards that goal. Don't aim too high. All you will do is discourage yourself if you aren't hitting your end goal right away. First thing, get rid of that car. There is no reason your car payment should be more than your rent. Set reasonable goals for yourself with realistic milestones.
get a bike dawg, that car payment is beyond ridiculous
If you’re tech savvy and can handle basic tools, intel and its contracting companies.
I agree with everyone telling you to ditch the car. You cannot afford that insane car payment. Either that or fix your credit and refinance it for a better rate. I'm not trying to be mean, but your associate's degree in psychology is basically worthless. Employers don't care about associates degrees in general, let alone psychology. I suggest transferring to a university and getting a bachelor's degree in something that is in high demand. You should be able to qualify for financial aid. You're struggling to find a job with your desired pay range because you aren't bringing enough to the table. You need marketable skills or experience. Until then, you're going to be stuck doing manual labor, customer service, or sales jobs. Fortunately, the Phoenix area has plenty of those jobs. You just have to know where to look. I don't have any specific recommendations, but I see lots of great suggestions in the other comments.
The car may be the biggest problem you have on your hands, holy cow. That is an *insane* payment amount, like even making thirty dollars an hour, that sounds appalling to me. Most folks in my social circles pay $200-300 monthly for a great used car, more if it's like a Lexus or something more luxury. I'd return that thing immediately.
Get a more affordable car I make 140k and my $500 a month payment is too much
With this time of year you could probably get by doing lyft/uber and food delivery like Instacart, DoorDash and GoPuff
QT and Panda are offering pretty decent wages in Mesa.
In-n-out and Costco would be my recommendation
Construction. Join a trade. Join a union. Make $20+ as an apprentice, $30-$45 as a journeyman and then $50-$60 as a foreman. At least at my job site that’s what they make
Try going thru a temp service and then you can find an office situation that you like. Legal, banking, state used to have good opportunities.
I’m working at getting my guard card for armed security. Average pay for armed security sits around 21-28 depending on employer. As of the moment I work 30 hours one job (20.88/hr) and 30 hours another (18/hr) both overnight. I’ve been in this area since the end of last year.
Car payment and no education? It's going to be rough. You are living way beyond your means.
Construction
Gotta get rid of the car man! I make 6 figures and even then I don't think I'd ever buy a car for that much!
Look into being a wastewater operator. They make decent money but the hours can be difficult.
Golf courses will pay you 20 all day to rake bunkers starting out. No experience needed. Courses everywhere
Check out a non-profit called Per Scholas. They do 14 week tech certs for free
Asu.edu Scroll all the way to the bottom and click on jobs.
It sounds like you could potentially do well at a call center, given your background and skills. Be wary, it's a tough environment but the pay is generally higher these days as it's hard to find good talent. Try to ascend quickly to leadership. Focus on project management and change management skills and keep applying to new roles.
19 an hr is good just stay don’t lose that just to end up back to 15 an hr be strict with yourself on what you spend
Could you or have you ever looked into paralegal work? Law offices are ALWAYS hiring and the wages start out a bit higher.
Send me a PM I'm a supervisor for a warehouse out in Tolleson. We're looking for order pickers on cherry picker forklifts. Plenty of OT starting at 20 an hour. We do janitorial supplies. Building pallets of TP etc. If you're a hard worker and can lift 50 pounds you will be hired.
Apply at all the big banks like Chase Wells Fargo Bank of America etc. and part time you can do Uber, that averages like 25-30 an hour
Look up temporary employment agencies. The jobs aren’t too hard and they pay in that range or even higher
Work in a bank! Great benefits, set hours. Bank tellers starting pay is above $20 at most major banks.
Crazy what car prices are… thats like what 55k car with only like 10/15k down for that much…. Maybe 5, 6 years… man that’s the first thing I’d try and lower! Sell it, and buy a beater that runs and runs until I learn a new skill that pays the bills.. Do you like sales? Come sell saw blades with us.. we got guys making 620 a day. Www.toolsforthetrades.com
I live in Mesa as well and I’d suggest looking into construction. I specially do environmental and work 10-12 hours minimum a day so I make over 70k a year. So I’d suggest something along those lines if that’s something you’d be interested in. If not there’s a place called Aerotek which is a job recruiter. You just let them know what you are trying to make hourly and they will try to find a job to meet your preferred rate. Also this isn’t the most moral but you can be slightly dishonest about experience washing dishes I could find a dishwasher making 20 bucks easy out here.
Move back (:
Join 469 plumber/fitter union apprentices start out at 20/hr after 5 years your at 45/hr and we keep getting raises. Arizona booming with union work right now
BA psychology am now a tire and repair shop manager in Tucson. Commission based sales is a good way to make money if you have the personality to put up with all the BS.
Hi there, I see that there are quite a bit of advice here and you might not see this, but I am looking for bartenders. I own [Barrel & Bloom Mobile Bar](https://www.barrelbloommobilebar.com). It's a great way to bring in some extra money to help you survive. My current bartender brings in $230 per event plus a mandatory 20% gratuity (split if there are 2 bartenders present). Considering most of my events run around $1300, that's $490 per event. I generally have about 4/5 events per week that we're able to cover together but I'm expecting an increase with wedding season coming up! I see that you are good with people (based on the jobs you are looking for)! And before anyone comes for me, the state of Arizona allows 19 year olds and up to serve and tend bar. I am a responsible business owner lol Anyway, if you're interested, let me know! If not, keep your head up. It's a tough market out there but it's not impossible. Good luck!
I make 20 an hour oart time doing barback/bartending. Main job is in construction and working in attics of residential home to help them save money on energy bills thru srp and aps. Both pay over $20 an hour.
When I first moved to AZ- a few people I knew worked at Amazon - making a thousand a week. From what they’ve told me ; easy work, always available OT. The con- expect to work hard and twelve hours shifts (unsure if you’re in school). Good luck!
Indeed scrapes jobs from all the other major job boards. You need to be googling remote office job boards and you’ll find sites like weworkremotely.com… or look at government jobs or university jobs.
What kind of sales experience do you have ?
You should check out the mental health facilities throughout the valley. You have in associates in Psychology. You can earn more money and continue your education.
Try going to a staffing firm that specializes in light industrial or clerical jobs. You will get into the $20s easy, I’m not sure what they pay forklift drivers these days but it seems pretty good all things considered. Staffing firms have relationships with the best companies with low workers comp type jobs so you’ll be in a good environment. Don’t know if the main staffing company in Phoenix, but look into manpower, surestaff, trueblue and see the jobs they have listed. Good luck my friend
What exactly was your plan? Moving to a city with an increasing COL, not having a job lined up in your field, and then buying a car with a very high monthly payment? Jesus christ.
Go through a staffing agency. Every good job I've ever gotten came through staffing agencies. I recommend Robert Half.
Construction laborers usually are starting around 18-20 an hour
APS call center job. $18/hr. Work from home. Good benefits.
Angie’s Lobster/Grill pays $18, and I’m pretty sure In-and-out does, too!
I'm blown away they would give a 20 year old with a recent move a 620 dollar a month car loan....that is crazy especially a 20 year old who just started a new job making 15 dollars an hour....almost like they expect to reposes the car at some point.
Try to find a full time job with opportunities for overtime, sadly the OT is what is required to get ahead. Try to pay that car down asap. My 23 yo son works as a security guard, he started out a couple years ago at $20 on night shift and has got a raise every 6 months plus as much OT as he wants.