Disclaimer: this is a throwaway account because I will disclose some very personal information. I am not looking for a hand out or pity. Just looking for advice and guidance.
First off I grew up in a pretty messed up family with drug addicts, my mom stole my identity and I had to declaire bankruptcy at the age of 24. (I am 36 now) So my credit history is and always was shitty at best. And I have no real idea what to do with money or how to handle it.
2nd: and in this order things happened (I'm only explaining this so I don't have to answer it later on.) I got into a horrible car accident, had to relearn how to walk, got addicted to pain killers and eventually harder stuff (yes, heroin). About 2.5 years ago I was sent to jail for some serious felonies (Theft). Did my time, been out for over a year now and clean the entire time. (yes it is super easy to get drugs in jail, and I stayed clean). I don't want pity or good cheers etc.
So after almost 20 years of totally fucking up my life in all sorts of ways, I am left with a good solid 100k worth of debt. 58k of that is actually restitution for my fines from my charges. I managed to pay off 17k of it, sorta, through seized assets.
I am doing well now, have a decent job (for an ex felon). I make about 26k a year. Not a whole lot of expenses, have it whittled down to 1000 a month. +200 a month that I have been paying against the restitution and past debts.
I really suck at money, dealing with money, managing money. I want to pay off of my restitution so I can get off of probation, maybe be able to travel somewhere and move on from that whole mess. But I have no idea how.
So I'm asking for help on how I can make this work out. What decisions I can make now, to hopefully have a better future, because I guess I finally accepted the fact that I won't be dying anytime soon, so I need to plan for a future for myself. And well I don't really know how to do that.
Submitted July 18, 2017 at 03:17PM by NotRealAtAll224 http://ift.tt/2tcBGyt
