I've always tried being financially savvy. That ironically is how I amassed good credit early in life, only to wind up using it when my back was against the wall.
How did I amass this debt? I have no social/family safety net and have been on my own for quite some time. Let me explain that another way to clarify; the only contacts in my phone are 7 coworkers/managers who need my number for work and nothing else.
I was working full time and going to school full time before the pandemic. Was then fired and thought I could just put a semester on a card. That turned to 2, then I came across some legal problems, queue minimum payments, and here I am a year later.
I was $20,000 in debt 3 months ago. I decided it might be a good idea to just live in my car, so I did. I got a new job where I literally work 12 hours 7 days a week, only taking time off when forced by my boss (e.g. only three days n the last 3 months because I do so much work and they rely on me). I'll include a screenshot for some proof.pay
I've got my spending down to about $300 a week, which includes some unnecessary things that I consider necessary for my sanity. Other than that, I decided liquid cash is a he'll of a lot better than no debt. My alternative perspective to my debt at this point is I'm renting $13,000 cash for a measly ~$200 a month.
Anyway
This can't continue forever. I live in constant anxiety I'll be fired again, except if/when that happens I'll be homeless for real real and in real bad shape.
I do not want to live where I 'live' currently. I won't get into detail but I don't have the best reputation and I would like a fresh start. Primarily in another state, hence my idea that I need so much money in savings; if I get fired who the hell will rent to an unemployed college dropout? Probably someone who can pay 6-12 months in advance.
As for my debt it spans 4 cards. One is $10,000, the other are ~$1,500 each, and my 4th is just my daily driver that doesn't carry a balance as I pay in full each month. All have around 17-18% apr.
I'm looking for some real guidance. I literally have no one to talk to. No one to offer advice. The last 100 days have been spent alone in my car. I know my thought process is flawed but I know my tunnel vision is keeping me on this path. Honestly I will just keep doing this until I get fired and that might be tomorrow or a year. I don't know. I'm scared and alone and live with the fear that while I might have a lot of money, all this hard work is worthless in the end because the day I have enough to pay off my debts, I'm at $0, nothing.
Submitted September 11, 2021 at 11:28PM by lofibofi232 https://ift.tt/3lfpBEH
