Hi! 34 year old here in search of advice on how to be more financially stable. I feel like I'm always catch up and I'm at the mercy of my bank account. I honesty start to get anxious even thinking about checking the balance. About me, I have 3 credit cards but the limits are between $500 and $1000 due to my credit score. I have 2 peer to peer loans (one will be paid off in 4 months yay) and I payday loan that I haven't been able to get out from under as quickly as I thought. I make about $3600 a month with rent at 1450. I feel like I should be ok but for the past months payday comes and a few days later after paying off bills I'm back to being afraid of checking my bank account and feel guilty for buying food or going to a movie. I'm single and have no family so no options for any type gap help which is the primary reason for the loans. I'd like to own property one day but between my credit score and the lack of disposable income that I have, I feel like it's never going to be possible. Sorry for the long post, I'm in a very bad place right now and don't know what to do. I budgeted just enough to come out and see my mom in the nursing home and of course unexpected charges hit and I'm at -4 cents.
TLDR: My financial situation is causing me anxiety and depression. Do you have any tips for folks with low credit scores to become more financial stable and own property in the next 3-5 years?
Submitted November 17, 2017 at 08:03AM by Helpwithfinances18 http://ift.tt/2iqnDBI
