First off, I hope I'm not doing anything wrong in terms of the rules & regulations
Ok, so here is the situation... I am in recovery for opiate addiction. I've been clean for about 5/6 weeks which I've never accomplished before and in the last 2.5 years I did some relatively serious damage to my credit. I'm lucky enough to have always been able to manage a job. I make about $760.00 a week ($3,040/month) and I also work part-time as a Process Server (serving eviction notices, divorce papers, etc) which adds anywhere from $0-$300 a week (although for the past 3 months I only made about $200, which should hopefully change soon)
As of today I owe the following: (all numbers rounded up for the sake of simplicity): Father: $1,500.00 (500/wk IS TOP PRIORITY) Barclay cc: $6,000.00 Capitol One cc: $500.00 Student loan (Navient) $5,000.00 Personal Loan: $7,500.00 Amazon (Synchronicity (?) Bank): $1,000.00 Income taxes (2015) $1,500.00
TOTAL OWED: $23,000.00
I owe what is listed above (all of which I stopped paying altogether for about 1.5 years except property taxes (rent) & con ed(power company)) and my monthly bills moving forward are as follows:
Property taxes (rent): $700 con ed: (power): 275 car payment: $300 (about $1,000 is due, and the creditor is my mother who has been very patient) Barclay credit card: __? Capitol One cc: _? Navient: _? Amazon (Syncricity (?) Bank) __ (at this point, I'm sure I can call the above four (4) listed creditors and offer to make a monthly payment of $___ and they would be happy, but the idea is to actually pay these creditors off) And I believe I'm getting fcuked with interest rates. Assume I'm paying 23% for both Capitol One & Barclay.
Can anyone help me figure a way out of this hole? I've seen a lot of success stories on this sub and I am definitely in need of budgeting help. I've never had an emergency fund or any type of investments, which eventually would be ideal. I checked out the common topics and printed a lot of it out including the 'How to Handle $' link offered in this sub. I read some of the personal finance wiki which I will definitely re-read again. But any insight would be great.
I need $200 a week to live. I drive to work, smoke, eat, etc.
Thanks in advance for any ideas or suggestions.
Submitted March 30, 2017 at 11:33AM by cleanandhungry http://ift.tt/2nPpDav
