Hi, Reddit, nice to meet y'all.
I'm a young, first time mom to a beautiful baby girl and I need your help. I graduated from college in August of 2016, couldn't find a job in my field so I took a 100% commission-based sales job in January. For D2D sales 2 things are very important: having a phone and having a car--the former I did not have, while the latter I was borrowing from my boyfriend. Safe to say that didn't work out. In January I also missed my first period. Having no insurance, I took out an $8000 loan, thinking that would be enough to hold me over through the pregnancy and until I found a job. With that money I went and got my first ultrasound. You know that show where women give birth without even knowing they were pregnant? Well, I'm 5'10, weighed 135, ultrasound said I was already 7-8 months pregnant (less accurate in 3rd trimester). WHAT?!?! How?!?! I had just missed my period, I wasn't even showing, at this point I had only gained 8 lbs... I had to prepare. I had already paid $5000 to deliver the baby and close to $500 for the prenatal care, if that's what you can all it. Along with rent and utilities, my $8000 was gone. Still no job. Baby about to be here. Got a credit card. $10000 limit. Cutting to the end here, between rent, utilities, medical expenses, life, $10000 is gone. Still no job. Baby is here.
Now I have a $300 HOA bill, a $200 phone bill, $50 electricity, $50 internet, $150 car insurance, $525 car payment, $350 student loan payment, $230 CC payment, and the original loan payment, all due basically within the week, all that I cannot pay because I have nothing to pay from.
I feel like I'm living my own Sophie's Choice. Even if I found a job I would need someone to watch my daughter 2 days out of the week and how do I pay them? From what? I graduated from a good field, except that everyone wants someone who already has experience, you know how it is. If you never get hired, how are you supposed to get experience???
Sooo, I'm looking for positive advice on how to move forward because I feel like I'm too much on the inside to see a productive solution. I feel like I'm drowning, this month especially.
Look forward to hearing from you, Reddit.
-$60K Mom.
Submitted June 09, 2017 at 11:16AM by jmatofu http://ift.tt/2r9SqsZ
