Hello reddit,
You guys are always my go to when I don't know what else to do. I can't think straight right now because I think I may just be completely devastated. I've been working so hard since November to turn my life around for the better...Almost committed suicide New year's, but decided to come back with 10 times as much force. You guys can hate on him as much as you want, but whenever my brain has been bouncing to "you can't do it", I've been listening to Tony Robbin's videos rather than my bullshit thoughts. And I was doing it man...People were going to my parents at family gatherings asking what changed, my friends noticed. It was like an overnight change. I had a serious turning point and I felt so great about myself. But now I just feel dead. A zombie. I don't know what to do here and I don't want to ask my parents for advice...And I need GOOD advice.
I was sent to collections yesterday because of my stupid credit card. It was over the limit so they took the money that was in my accounts. Luckily, I already picked up my meds for this month, but I didn't buy dog food yet...And my mom literally JUST paid for me to get new glasses because that is what I asked of her for Christmas....I'm a 24-year-old female and having no insurance sucks. They took the paycheque the day after I got it...I have $3.96 in my account and can't even afford a fucking pack of cigarettes.
Collections want another $140 from me because that will bring the card to its maximum limit. And then I have to figure out some sort of plan where I can actually make regular payments to pay it off. But if the min payment is $200, does that even bring down the balance or am I just paying interest? I don't know the smallest amount of payments I need to make in order to make a difference. I didn't know what to say while I was on the phone. I just cried and apologized...And when she asked me why I haven't been paying...All I could muster was that I didn't want to sit here and sound like I'm just making excuses. I can't change what is already done. My car broke down in November and now just as I was getting ready to finally get myself transportation again, which makes working so much fucking easier...It's all gone. After all this, I am sitting here again, with ZERO progress. I may be in shock. I don't really feel anything. I just desperately need advice or some solution or goal to work towards...That is still realistic enough that I can pull it off. Literally, any advice would be greatly appreciated.
Submitted January 25, 2019 at 11:12PM by overlycuriousmind http://bit.ly/2TgDuTU
