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Financial Failures - Life Status, Short/Medium-Term Future of Chaotic United


haloman30

Hey, everyone.

 

This isn't a typical announcement - this isn't about some new piece of content or some new feature we're working on, but instead, it's about some realities of my personal life that have finally caught up to me - and the impacts it will have on the short-term future of Chaotic United. Before you get too stressed or anxious - no, we aren't closing down the server, and also no, this isn't a permanent change. The specific impacts are sort of up in the air right now, as that won't be fully clear until a couple months or so from now.

 

So, without any further delay - let's talk about my current life situation and where things are at.

 

The Situation

A few days ago (this past Friday), I ended up running into a pretty serious issue with my primary vehicle (a 2001 Ford Focus, for those curious). It began seemingly misfiring and then, when waiting for a train to cross a road, the engine stalled out entirely and would not re-start. I had my mom and a friend of hers come and figure out what was going on, and the guy was able to perform some sort of throttle reset and get the car running again, though it quickly began misfiring again.

 

We did get it home successfully, though it did stall out one more time on the way. From that point onwards, it would not start any more. Eventually, after replacing some spark plugs and trying a couple things, the conclusion was that it needed to see a repair shop. I had it towed to one on Monday, and learned that the issue was actually due to the timing belt breaking entirely - I had the belt and the other timing components replaced on Tuesday, in the hopes that maybe the engine itself would be intact - but unfortunately, this was not the case. The engine still failed to start, likely due to one of the cylinder heads being damaged at the point the timing belt failed.

 

As such, I'm now scrambling to get a replacement vehicle sorted out - borrowing funds from both my grandma and my own boss - in order to keep getting to and from work. Additionally, in order to pay these things back in a reasonable amount of time and build up a proper financial cushion, I'm going to have to take on a second job to supplement my income.

 

The Financial Backstory

Some of you who have been around a bit longer may recall that several years back, I came into a fair chunk of money from selling a second property - which belonged to my grandma and grandpa, and later my dad before he passed. You might be wondering, what happened to that money? This unfortunately is the other part of the problem - absolutely none of that money still exists, and hasn't since late 2023. I have kept this under wraps, telling only a select few close friends, but given the severity of my situation now, it's not something that makes sense to hide anymore.

 

I've been effectively broke and hanging on by a thread for the past 2 years. Every time I have managed to start to get ahead, something else comes up and sets me all the way back to the starting line. Vet bills, missed work, car repairs, more vet bills, massively increasing electricity costs (with multiple summer bills being as high as 600 dollars for one month), being scammed out of 500 dollars, and now this catastrophic car situation. I've been unable to afford to do much in terms of home repairs or maintenance, I've had to keep my file server shut off to reduce my electric bills, and I've had to scale my own monthly costs back dramatically compared to early 2023.

 

I've had to cut out my cloud backup of all my data, both of the OVH dedicated servers that used to host the Minecraft server are gone - with Michael having to step in yet again to keep things running for the past while. I've not even been able to take a long hot shower as my 40 gallon water heater started leaking, and I've had to make do with a 2.5 gallon unit instead - which in order to last for a shower means having to use minimal water pressure, and even then it means taking fairly quick showers - no lingering under the warm water. And with the potential upcoming healthcare premium expiration, there's a good chance that having any form of health insurance will also be entirely beyond my reach.

 

The one hope that I've had is that maybe, just maybe, I can find some form of actual IT or career-focused position, instead of relatively menial jobs, to turn all this around. The reassuring and frustrating part is that it truly wouldn't take much - 40k/yr would be a solid step up, and 50k/yr is almost impossible to imagine at this point. But, despite my best efforts, I have been utterly unable to find any sort of career opening in any field that I'd even be somewhat interested in doing long-term. Remote jobs are much more competitive, and in my local area, there really just isn't a large amount of opportunities in this regard.

 

Digging out of the Hole

Earlier this summer, in late July, I attempted to work a second job at Walmart, doing cart pushing yet again - and while this time around the work itself was manageable, I was unable to mentally cope with effectively doing nothing but working and sleeping. Unfortunately, due to the dire nature of this situation, working some kind of second job is no longer optional, but is now an absolute requirement for me to make ends meet.

 

The silver lining is that, once I'm stabilized after this initial bump, almost any second job will pay enough to not only make these ends meet, but I will at long last be able to start saving a meaningful amount of money again, though I've got a considerable hole to dig out of. It's going to take time, and I have a great deal of money to pay off, and I have no idea how I will possibly be able to mentally cope with this kind of workload. But the reality is that, at this point, it simply is not optional anymore - I have to bring in more income.

 

If you're wondering why I don't quit my current job and just work some other higher-paying warehouse job or something - at the end of the day, there's a lot I appreciate and like about my current job. It isn't my first choice and isn't a long-term career - but it's low-stress, I don't have to worry about missing work too much, and the work is at least primarily at a desk, which means I don't have to be in physical pain and agony all day, every day. And considering that this is going to be a temporary change of pace, I'd rather go back to the schedule I have now, with a fairly low-stakes and low-stress job as my main source of income.

 

The Future of Chaotic United

So - with all of that out there, let's talk about what this means for Chaotic United.

As mentioned at the start, the servers, website, Discord, and so on aren't going anywhere. They will remain online as they have been. Beyond that, it really just depends on whether or not I am able to find any semblance of balance with these two jobs.

 

The best-case scenario: I find a sort of balance, and things continue to happen, but at a much slower pace. Less hours means less time inherently for me to work on stuff - and so things taking longer is just going to be unavoidable.

 

The worst-case scenario: I'm unable to find any real sense of balance, I struggle to cope with the sheer amount of work I'm doing, and everything grinds to a total halt. In this case, there would likely be nothing in terms of updates, bugfixes, new content, and so on, until this is all over.

 

Most likely, in either case, I will not be in voice chats very much at all while this is going on - because I just won't have the time to do so. If I'm able to then I will try to, but it's possible that I will largely disappear from voice chats for a while.

 

The Road Ahead

All of which brings us into the last question - how long is this going to be the case? What's the time-frame for all of this look like?

 

At an absolute minimum, I will need to pay off the people who I borrowed money from in order to afford the attempted repairs on my original vehicle, as well as whatever funds I've borrowed from others for its replacement. I'll also want to get at least a small reserve of cash - probably at least a few thousand, if not more - so that in the event of another event like this, I'm not completely destroyed financially. It's hard to say how long this would take, but most likely this could be at least 5 months for the debt alone. If I want to also build a financial cushion, then the total would be closer to 10-12 months, and that's assuming no other catastrophes in between - which, considering how things have gone as of late, is not out of the question.

 

So, to put it simply, whatever things end up looking like, this will be the new state of things for anywhere from 5-12 months. Considering how long I've been around and doing things, it really isn't that long - but I won't lie, the thought of doing genuinely nothing except work and sleep and survive for even 5 months is a terrifying prospect, let alone 12.

 

I have no idea how I will cope with this.

 

Historically, I've found even 40 hours to be on the upper end of tolerable for me, with every attempt of doing more always feeling downright exhausting and miserable. And here I am, now in a situation where I am going to have to work, every single day, without a single day off, for 5-12 months.

 

Wrapping Up

As I said earlier, I'm not sure how active I will be able to be during this time. If I actually have to just drop off the face of the earth for the most part, I hope you folks can keep things going and keep things active. I want there to be a community to come back to when this is all over.

 

Additionally, while I won't beg or plead for money or anything - as I arguably have zero right to - I also won't stop anyone who wants to do so, as it might help speed this process up and shorten the amount of time I have to go through this. If you're able to do so, and you're feeling particularly generous, then feel free to head to the store. If not, or if you yourself aren't in a good financial place, then please do not feel any obligation to do so. At the end of the day, this is my mess that I made, and it's nobody's responsibility but my own to clean it up.

 

The reality is that, no matter how well or not-well I am able to cope, it doesn't matter - I do not have a choice in the matter anymore.

 

Wish me luck, folks - I think that I'm gonna really need it this time around.

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5 replies to this topic

Even though i cant help finacially and honestly id love nothing more too, this server is my childhood and i have got you man, this is just a hurdle you need to get over bro, here for you man!

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Updates as of 11/24/2025:

It's been a fairly eventful several days since the original post, and there's some non-insignificant things that have changed a bit since then. It's mostly good news, though - as good as you can expect in this kind of desperate situation, at least.

 

The Series of Events, since Wednesday

This past week has been an absolute rollercoaster of ups and downs. To tell the truth, I've been arguably somewhat depressed for most of that time - though not so much at this point thankfully. I was stuck in a well of anxiety, fear, and dread - the anxiety of being out of work for so long, the fear of what might happen if I couldn't make it, and the dread of realizing I'd have to spend a substantial amount of time working a significant amount, knowing that there would be no way out for a while.

 

On Thursday, I went to go pay for the failed repair to my Focus, and also reached out to my grandma who hadn't yet sent me the money for the new vehicle. The plan was to pay for the Focus, grab a couple things out of it real fast, and then go around looking at a couple other vehicles: a 2005 Toyota Camry for $2200, and a 2006 Pontiac Grand Prix for $1750, both on Facebook Marketplace.

 

There was also a third option that I was somewhat against and was a last resort in my mind, a 2002 Chevrolet S10 for $3500, that I could get from a local dealership in town. Despite being more expensive, it was the cheapest vehicle in terms of immediate cost, as it only required a down payment of $500, plus sales tax on the vehicle (so around $750 down in total), with $240 monthly payments for 14 months. Mechanically it was seemingly fine, but had some fairly substantial cosmetic damage - broken windshield and dents being the most immediately obvious - as it had a tree fall on it during a storm.

 

Regardless - I found out mere minutes after paying for the Focus repair attempt that grandma would be unable to lend me the $1500 I needed to get one of these other vehicles. After finding out from grandma, I did reach out to my boss to see if he could make a loan happen from him/his boss. It was too late in the day to find out, and I'd need to call back tomorrow to see what the verdict was. After that, I got a roadside request put in through my insurance to bring my Focus back home.

 

This lack of any loan sent me down a bit of a spiral for a bit, as now my only option was a truck that would be more expensive, and would add many months onto the amount of time I'd have to work two jobs - which was an absolutely terrifying concept. I went through a whole range of negative emotions, venting to a couple folks in a private call, feeling utterly overwhelmed, depressed, and downright pissed off that I couldn't get anyone to lend me what was in a sense not a particularly enormous amount of money, and feeling resentful in general that because of this, I would have to continue this miserable slog for even longer and pay nearly double for what seemed to be a worse vehicle in many respects.

 

However, in the middle of this, the Grand Prix had a sudden price drop - down to $1k - and it seemed like it was going to be a solid vehicle. Right up until I found out the seller didn't have the title "yet" and that she was waiting for it to come in the mail. Maybe that was true, or maybe it was a scam - but certainly I wasn't going to get a vehicle without a title in-hand. So, it was back to being down in the dumps for the night.

 

The next day, Friday, after several calls with my boss, he never heard back from his boss in regards to the additional $1500. The verdict was seemingly that it just wasn't going to happen. This further reinforced that I was likely stuck with the truck - sealing my fate. I did consider the idea of waiting until Monday - maybe his boss was busy - but this presented a non-zero risk that someone else would buy the truck before I could, which given my situation, could turn an already terrible situation into something even more dire.

 

Saturday, I walked to the dealership (since it was in town), and still unsure on whether or not to actually purchase it, I did get some information on it, and took it for a short test-drive. It seemed to run well enough. However, what the lady mentioned was that I could potentially put a hold on the vehicle - which would prevent them from selling it for 10 days - though, if I failed to purchase the vehicle in that timeframe, the money I put down to hold it would be forefit. If I did, however, then it'd go towards the down payment. Given that I was fairly sure that the truck was going to be the vehicle of choice, but that I was still wanting to wait and see on Monday, just in case, that's exactly what I did. I put down $300 to hold it, with the plan being to grab either it or the Camry on Monday.

 

After getting back home, the idea struck me during conversation to actually see what my budget would look like with this car payment added in. I had assumed that there was simply no way it was going to fit - it certainly wouldn't be comfortable. However, adding it in, and the picture I got, while not good, really wasn't as bleak as I thought. Technically, if I was comfortable with genuinely no financial growth, save for a couple spikes during the year, I could afford the payment on the truck - with only my current income. While this wasn't good reason to not get a second job, it did give me a new potential path forward that would be more manageable - but I'll get into that in a bit.

 

So, fast-forward to today - as expected, my boss never heard back - and at around 10:30, I got the insurance stuff done at home, then started heading down to the dealership again, paid the rest of the down payment, filled out some paperwork, and drove off in the S10. I also made a couple other stops - filled it up with gas, got the paperwork filed with the DMV, all that stuff.

 

Whew - what an eventful few days.

 

The New Plan

So - onto this new plan I mentioned just a moment earlier. Given that I can technically afford the down payment on my current income, this has given me another path forward: rather than having to work for 12-14 months to pay the truck off, along with any other debt and building up a cash reserve, what I can actually do instead is work long enough to pay off my grandma (since I owe her still for the attempted repair on the Focus), and from there get around $3600 saved up at a minimum (3k for general savings, and 600 to account for the increased insurance costs over that 14 month period). This brings the time that I'll need to work two jobs from 12-14 months down to 4-5 instead - which is still kind of scary to think about if I'm honest, but far less so than 12-14.

 

From there, I can just kind of coast along - not saving much extra if any for the most part, but still with enough of a reserve that I should be able to absorb most immediate catastrophes. Or, if I find myself feeling okay after that period of time, I could do an extra couple months or so, and further increase that savings - or pay the truck off faster, either/or. Once it's all done, I can go back to basically living as I have thus far - except with a bit more of a cushion in case of emergency. Ironically, this plan actually is only possible with the S10 - had I gotten the Camry, I would've had to work longer in order to pay people off more quickly - rather than just having a fixed monthly payment.

 

Finances are still going to be incredibly tight and down to the wire until I start getting income from my second job, once I find it - but the good news is that, thanks to the generosity of several people - both here in the community and even my own boss, who actually made the 500 dollar loan a bonus instead (which means I don't have to pay that back, thanks Ed) - I should be able to get by without falling into too deep of a hole. It's entirely possible something else comes up, or that I've missed something in my budget and I end up going negative regardless, but currently it seems like I should be able to just barely scrape by.

 

As for the Ford Focus? I'm keeping it - the plan is still to eventually get it fixed up and running again. It was my first vehicle, and while it does have a couple other issues that need addressing, most of them aren't overly serious or fatal issues - and after a couple years, I've grown quite attached (though I tend to get attached to a lot of things, for better or for worse). And, another benefit of getting the S10, once it is fixed up and running again, I'll have both the nice general-purpose Ford Focus for typical stuff, and I'll have a solid truck for times where I need to haul things around or purchase some furniture.

 

 

So, that's where things are at now. It's not quite as bleak of a picture as it seemed. Things can still change - at this rate it's hard to say where things go from here - but hey, at least for the time being, it seems like there's a bit more light at the end of this tunnel than it first seemed. Also - thanks for the kind words from all of you - your support will absolutely help me get through this period, however long it may be. And who knows, with a bit of luck, maybe it won't be too long before things go back to how they were before.

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Update as of 12/28/2025:

Figured I would post one more follow-up before the end of the year, as there have been some shockingly positive changes since my earlier post.

 

A few weeks ago, I was in the process of exploring second job options - the most likely of which seemed to be a janitorial job paying 12-13 an hour. Not great, but would still be enough to keep me afloat. However, on a whim that I can't quite explain, I decided to one last time look around for more IT/career-focused opportunities. Instead of trying the usual approach of just sifting through Indeed and other job boards and getting next to nothing in terms of results, I opted to try looking for potential employers and reaching out directly, whether they had any listing anywhere or not.

 

I had tried this a couple times in the past, with one of those being the most promising lead I ever had (though it ended up falling through in the end). And at this point, I figured it couldn't hurt. Most places didn't have any availability or openings currently, but one place did in fact reach back with some further communication - and an in-person meeting - for a web designer job. This was followed by a phone call with the web design team lead, and then followed by a downright miracle: I would be given a sort of "trial" project (though still a normal project for a real client) to see how I worked and what I was able to produce with their tools, and if that went well, then things would move forward.

 

That was a few weeks ago, and as of now, I'm about to start on my 3rd project for them - so I feel I can now safely say that this is a real thing that is actually happening. Part of me is still in disbelief that it actually happened - that at the last possible moment, where I had lost most hope of getting into any sort of career position anytime in the near future and that I'd have to buckle down and work multiple menial labor jobs, I managed to lock in rare opportunity by just sending some information through a contact form.

 

The Future Outlook

The good news is that this position is totally remote, and is project-based rather than hourly - so my schedule is a lot more flexible than it would be with anything else. The two small downsides is that there is no real "endpoint" with this job, and that in terms of pay, it may be on the lower end - so it'll take a little longer to get things firmly situated. While the original plan was "grind it out for a few months and then call it", with this being such a rare diamond in the rough, this isn't something I have any plan to pack up and leave from - which means that my schedule may be more limited from here on out. At least, for the time being.

 

One thing I have been told is that they do have every intention of, whenever possible, to hire people on full-time and set things up to where this can be viable as a primary source of income in the further future. There's no timeline on this, as this is a small local business (and as such I also won't be naming them), but it's possible that after some length of time, this could end up being my main job - but only time will tell.

 

Regardless - it's a very nice way to cap off the year, and in a shocking turn of events, I find myself going into the next year with more optimism instead of the dread of what the alternative would've been.

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