I am probably this sub's worst nightmare. I don't track my spending, I spend frivolously, constantly. I hate looking at my bank account, my spending, my bills... I have an actual aversion to even start looking at my finances because of the overwhelming anxiety and hopelessness I feel when I do. I get bills in the mail that just heap up on a table because i can't bring myself to open them all. I have no idea how to budget, I haven't checked my credit score in ages as I know it's terrible. I don't even know how much debt I have or where to start with that. I want to start budgeting, figuring this all out but I honestly have no idea where to begin. I have read miracle stories of people finally getting their finances together after coming here... It's probably going to take a miracle for me.
I work full time, 42.5 hours a week at about $14.00. I have insurance through work. I have a horrible car loan because I had such bad credit, $280 a month. I live in a rural area so the car is absolutely necessary, no public transport. Not counting the $10000 I still owe on the car, I must be in debt at least $10,000 in medical/old debt. At least I have made every payment on time with the car loan. My shared house rent is only $250 so thank God for that.
I have downloaded apps but I literally have no idea how to budget. I spent this morning struggling with the basics with EveryDollar. Like it's the end of the month so do I count my earlier paycheck? Do I just start next month? How do I apply what I have to next month's budget? I get that the basic idea is spend less than you make, write down every little thing... It's just so daunting and it feels utterly impossible and it's feeding a depression. Recently I got $5000 settlement and for a short while I felt what financial security feels like but it's dwindling away and I don't want to end up struggling again.
Thank you for any help, and sorry if I rambled a bit but it's hard to not feel a bit helpless.
Submitted September 21, 2017 at 06:16AM by Montymisted http://ift.tt/2wC0pC8
