Once upon a time I was making 150-200k a year. I was happy. I had a wonderful SO. I imploded and managed to pick myself up by my bootstraps and carry on. As I’ve carried on, I found that I am not the person I was and am fundamentally incapable of performing at the level I once did, professionally.
At this juncture, I have no money saved. I have no credit card debt. I owe $27,000 on my two vehicles (both of which I’m upside down on). I owe roughly 8K in student loans. I owe the IRS $3900. I owe a private loan company $4500 for an idea I had during a bipolar episode.. I can’t recall where the money went. I owe $6000 on a credit card for a failed business venture during yet another bipolar episode.
For the next 3 months I will have checks coming in to the tune of 9,000 pre-tax. After that, my monthly income is 4K post tax plus whatever commissions I accrue.. I don’t anticipate those commissions being too hefty.
My debt isn’t insurmountable by any means. I’ve accrued more and paid it off two or three times in the past. It’s my mental state that makes me believe I won’t be able to do this.
If, I lose all function, do I declare bankruptcy and move into a long term care facility? How do I handle this?
Edit: let me add a bit more color on my current situation. I am stable in the current moment and am trying to push through the spirals. My job security is high and I have a highly marketable skill.
During my spirals it takes all of my effort to maintain any semblance of normal. I am succeeding in pushing through, but I truly don’t believe I will have the gumption to keep pushing through. At which point I’ll probably throw the towel in.
Submitted August 11, 2018 at 03:31PM by Imightbenuts1207 https://ift.tt/2OufoSZ
