Hello everyone! Thank you for taking the time to read my post.
A little back story: I'm a younger single mom, working full-time, receiving a small amount of help from the father of my lovely (and crazy) three year old.
The past two years has been filled with personal, emotional, and financial ups and downs, but mainly downs. I was left by a roommate to pay for an apartment that we both knew I couldn't afford; lost two cars in accidents because I can't afford a car payment, so I bought what I could afford with the insurance payouts; took out personal loan after personal loan (which now I realize I shouldn't have done), and now I'm left in the aftermath of everything.. I moved from the expensive apartment to a reasonably priced studio for my area, have been staying "on time" with payments but only because I have overdraft on my checking account which leaves me paying for my payment plus $34 with every overdraft.. I've been selling my clothes and shoes online to try to make extra cash, work overtime when I can.... I'm still struggling to put food on the table (figuratively speaking.. my mom has been buying my son's food for the past 3 months, and I opt for cans of soup and bags of lettuce). Everything else she gets is for him.
I'm at a point where I cry myself to sleep at least 3 times a week; cry in the bathrooms at work because it's the only place I can be where my son doesn't see my cry; I find myself looking over my income and bills at least twice a week, again just feeling defeated.
I don't know what to do, how to get myself out of this 10 foot hole I've dug myself into, where do I start? What do I do?
I'm lost. I need help. Any advice is appropriated.
If you would like to know my loans, interest rates, monthly payments, income, etc. please let me know.
This is seriously a cry for help. I don't have friends, I'm embarrassed to tell my immediate family (except my mom, who is amazing and is doing her best to help), I don't know where else to go.. I'm 25 and should know how to adult, and I feel like a complete failure.
Thank you for reading.
Submitted October 24, 2017 at 02:41AM by MaareRenee http://ift.tt/2h4VzDk
