Quick background.
-26F -preschool teacher making 24k a year -bad credit score -probably close to 10,000 in collections for medical stuff mostly -no insurance -paid monthly -mental illness
I've always been bad with money and blown it. I've been evicted twice in the past. I'm at such a loss of what to do. I try saving money, budgeting, putting money in envelopes, etc. I have no self control not to get into my budgets for other things.
I have expensive rent, but I live with my girlfriend and my best friend. I always justify spending somehow even if it's my last dollar. I can't afford therapy, which is what I need, but I'm falling farther into debt. My girlfriend and I want to get engaged this year and I don't want to have to make her suffer with my financial problems when she's trying to figure out her own.
I'm at such a loss. I get paid at the end of every month. I got 1700$ last Friday. 800$ of that went towards rent (usually 650ish but helping cover my gf until she gets her first check next week). Now I have 37$. I don't gamble, do drugs, I don't even drink. I don't buy big purchases or fancy clothes or anything, I buy a lot of food and just. Junk. I don't know how to control it or who to turn to to help. When my account is empty, I'll use PayPal to overdraw my account (since I have overdrawing turned off on my card) just to get lunch. But every day for a week. My work provides food and everytime I make a purchase with an empty account I get charged 35$. I know these things and it still doesn't stop me
What can I try and do on my own/with my family to start to fix this mess. I have panic attacks about finances and then just push it away. Even when I decide to do something about it, once I get paid my money is just gone. I'm so ashamed and so lost on what to do. I've never asked for help outside of my friends and family.
TL;DR
Can't control spending, broke at the beginning of the month. Can't afford insurance for therapy, lots of debt. Drowning. Feel like I've tried everything. Any help or advice is appreciated ❤️
Submitted September 09, 2019 at 02:31AM by chhharl https://ift.tt/2ZX4biZ
