I still can’t believe I’m this deep in debt.. 3 years ago, I had $7,000 in my checking account and I didn’t owe anybody a cent. I wish I could go back and do things differently.. Here’s my situation.
I don’t have a college degree. I’m working a day job bringing in around $1,700 per month.
I do deliveries on the side and can bring in maybe another $200 per month if I’m lucky, sometimes less, sometimes a little more.
With my car payment, insurance, rent, utilities and auto-payments I have set up, I’m paying $1,400 per month. The rest of my money goes mostly to gas and groceries.
The biggest chunks of my debt are my car loan, which was for $32,000 (Still owe $16k).
A personal loan for $10,000 (Still owe 8k).
And my 2 credit cards (Still owe 9k)
I don’t have any savings. I’m pinching pennies now trying to stay afloat but I honestly don’t have a clue what I’m doing. I was thinking of taking out another loan to consolidate my debt, but I don’t think I’d be able to afford the payment. I’m honestly too scared to look at the numbers to even see. I’m doing everything I can in terms of saving where I can now like unsubscribing from stuff, cooking my own food, and even giving up my dog. My CC payment is 2 weeks late, and I can’t afford the minimum payment anymore. They keep calling me but I haven’t answered them.. I don’t know what to tell them. If you were in my shoes, what would you do?
Submitted October 08, 2019 at 09:33PM by chucktownboy94 https://ift.tt/2p6ZHKc
