So, I'm going to preface by saying that anything involving money gives me incredible anxiety- which I think is the root of these problems. I've never posted here before because of that same anxiety. I know you guys are gonna kick my ass, but I deserve it.
I am 23. I graduated college a year ago, and I'm on my second big-girl job (doesn't pay wonderfully, but I love the work). Immediately after I got my first big-girl job I got a car that I couldn't afford. I made one payment and dodged debt calls for months. It was recently repo'd. I've had a $500 credit card maxed out for nearly two years. I'm two months behind on my student loan. I am currently in an apartment I can't afford. I have two unpaid speeding tickets in two different states, and I just got a letter from the more recent one saying that my license has been suspended (I don't live in this state). I have unpaid account balances from a cable company and two insurance companies, and I think 3 medical bills.
And of course, I spend too much. I go out to eat and drink, and buy myself things that I could do without. I'm impulsive and I often don't think twice about spending- and if I do I rationalize it to myself. I don't know why I'm like this. I giggled it off for so long as "oh, I'm bad with money!" but this isn't ok. I need to get my shit together, and do so fast before this ruins the rest of my life.
So, my question is, how do I get my shit together? I know my lifestyle isn't feasible, especially with all this debt, but if I paid everything I'm supposed to I wouldn't be able to survive.
I don't know how specific I'm supposed to get with my income and expenses, but I'll gladly disclose if it'll help you guys help me. I'm so tired of this circle of freaking out about all of this once a month and then ignoring it.
Submitted December 20, 2018 at 01:10AM by whoneedsathrowaway2 https://ift.tt/2PKOxSV
