I’m so sorry, I’m just gonna vent because today I have officially lost all hope. All of these horrible emotions hit me all at once and I need help...I am 22 years old. Female. I have a 2 year old son and live with his father in an apartment that we share in Wisconsin.
Before I go into my financial problems I feel that I need to specify that my son’s dad has no idea of my financial situation. He has a full time job that makes $17/hr and he is VERY frugal with his money and makes me feel awful/guilty asking for help. I have tried to apply for government assistance for anything and have been told a number of times that we make too much for help
Onto the numbers: I have roughly $18,000 of credit card/loans/payday loans/unsecured/medical debt and I also have roughly $20,000 of college loan debt. All have not received any payment for at least a year because I have had low income that covered my monthly expenses: Rent, Internet, Gas and Groceries. My school loans were co-signed by my dad so those are up to date on payments. I have a new job that I start tomorrow so payday won’t be for another 3 weeks if I understand correctly, however the job position pays $13/hr the most I’ve ever made.
- What can I sell or how can I get $$ because I have to pay our internet bill ASAP as well as have money for a number of other different bills that need to be paid ASAP.
- How do I approach anyone that’s understanding enough for like a small “loan”? No bank or loan company will give me a loan with the amount of debt and lack of payments I have...
I feel that I can’t talk to my son’s dad about my situation because he doesn’t understand and he WILL hold it against me. We will probably get into an argument when he sasses me when I ask him to pay for daycare for the upcoming weeks since he has FINALLY agreed to pay all of rent, what crappy parent can’t even afford daycare and my half of rent, oh that’s right, me!....
I feel like a failure, I HATE making it seem like I’m a victim because I’m not 😭 I did this to myself and no one is responsible for my choices except me, I don’t know how to get myself out of this, I hate having to rely on people it makes me feel like a huge burden....I just want my son to have a good life and I feel like I’m the worst possible mom for him because of this, I would give up my life for him!! I want to get a 2nd job but then I’ll never see him and I’ll miss out on everything and I don’t want to be one of those people, life is so so short 😭
I’ve thought about it all, how to “get” money but there’s no way I could ever go through with the thoughts. I keep sitting around doing nothing when I should be doing everything, even something but I have no idea what that something should be or if I’m wasting time I could’ve been spending on something that would actually help. I just want a sense of direction or to be told what to do. Thanks for reading, and for any advice in advance it’s really appreciated.
Submitted June 02, 2019 at 10:14PM by CXduo1910 http://bit.ly/2Z4XkEd