A year ago, I was doing (imo) extremely well and being responsible with my debt. At 22, i had an okay credit score of ~730 and managed to pay the $100-$200 I would rack up in monthly debt off on time with no problem.
This will be.long winded to explain the whole situation, so apologies. TLDR down below. This all started when I had to take my late dog Raleigh to the ER late at night. Having no money saved up to pay the bill, I put it on a card. This happened with him a week before I was set to go on vacation and seeing as how the vet chalked it up to him being okay, I went on vacation as planned and incurred a little more debt. A few days after I got back, Raleigh was exhibiting the same signs and being very scared for him, i took him to the ER once again given this was about 4 am and it was my only choice. Vet tells me hes now concerned and my dog is taken to a vet clinic with a neurology department where they find a cyst in the left part of his brain that has a 10% chance of actually being removed even if they can operate. Long story short, I leave without a dog and have about $3,500 worth of debt.
Fast forward closer to the present, I have had an "existential crisis" that has led to me quitting my job, and spending sround $4000 to a trip to Japan, where I am currently residing. I'm still unsure if this was self-sabotage in a lack of caring for myself or a genuine desire to lay it out on the table and gamble with fixing my life and starting new, but im now beginning to see it was the former.
I find myself with about $10,000 worth of debt (and rising due to no more money in my checking account), no job and very little hope in coming back from this one. Yes, i know im dumb. I could use any input that you guys can provide. I am already putting in applications for a new place of employment for when I go back home to America in about a week.
TL:DR: ER visits and impulsive spending has me in about $10,000 worth of debt with no job (yet) to help with payment.
Dont know if its important, but a little info that may help: Have three credit cards at the moment, two with debt. Credit card one has $6,500 of debt (used for almost all of my purchases, terrible idea) card two has around $500 worth of debt and is being used to pull money out of the ATMs in Japan since I cant use my checking. All other debt is from a loan I incurred to get a lower interest rate on some debt previously charged to card one. Furthermore, my bank is asking for a minimum payment of $1,000 due on October 10th or else they will add an additional $1,000 to the card.
Submitted September 18, 2018 at 05:28AM by prophetblue https://ift.tt/2D6N7kz
