Hello Reddit,
I'm a 30 year old female living in Canada and I need help, advice, guidance, etc to try to get back on track financially so I don't have to file for bankruptcy.
I currently have $24,000 left to pay on my student loan. I owe $12,500 on my line of credit, and $4300 on my visa. I owe about $2000 to my dad for helping me move from NB to SK, and $300 to a friend who bailed me out on overdue CC/LOC payments.
My rent and utilities is about $800 a month and moving is not an option. I pay about $100 in gas for my car, and my current insurance is $184 a month but will likely be lowered once I change my plates and insurance over from NB to SK. I just started working a good paying job a month ago and will have a monthly net pay of about $3400.
I am just looking for help with what my options would be besides bankruptcy. I am currently behind on payments for my student loan from being unemployed so I can't apply for repayment assistance until that's caught up. My CC and LOC aren't behind on payments but the minimum payments are over $100 for both.
My dad and my friend have both told me there's no rush to pay them back, but I want to at least toss them a bit of money each pay.
I've written out budgets that seem reasonable before, but can never stick to them. I always overspend on groceries and STUFF. Walmart is my kryptonite. I am very impulsive due to some mental health issues and have tried to control it but I can't seem to be able to on my own.
Any and all advice would be appreciated. Thank you for taking the time to read this and for responding.
Submitted February 12, 2020 at 06:04PM by roonilwazlib506 https://ift.tt/38qQrlC
