I have this posted on another sub but would appreciate any and all advice.
I’ve worked blue collar hard labor jobs my entire life, I don’t have any other skills. I’m not charismatic with a good personality who makes the most out of any situation. I have zero skills outside labor. It's nearly impossible to find employment that doesn’t require a mandatory physical test, even office jobs. I’ve never been big on technology, I only recently received my first smartphone to use the internet.
I’m almost 40 with no debt but no credit. I used to take pride that I lived within my means, had a home with no mortgage, and a car with no payments. I’ve never had a credit card. There was never anything that I or my family wanted that I couldn't get with hard work and picking up overtime. I realize how entitled that sounds now.
I “had it good” until a work accident took my left leg and there hasn’t been a day that I haven’t wished it had killed me. My wife decided she wasn’t attracted to a man with one leg. While I was in the ICU and rehab to relearn how to be mobile again she filed for divorce. My accident and absence was hard for my son so I gave my wife the car and the house so my son wouldn’t be uprooted and would still have some familiarity in his life. I wasn’t taking his home away from him or her.
A relationship needs to have attraction, a woman has needs, I couldn't fault her for that and at the end of the day she was the mother of my son. I got to see my son whenever he wanted. I took my savings and bought an old RV for my cat and I. I was doing gig work before the gas prices went up, I didn’t have much but I had what I needed. I was waiting for my accident investigation to be complete and expected a decent payout.
On my son's 7th birthday he told me about the abuse he was going through that I had no idea about. I won’t go into details but I thought it was a cliche when you hear about a woman moving her new boyfriend in after dating for a week and allowing him to take over the house, “overlook/downplay” abuse, and be okay with losing the child she gave birth to.
I was not willing to give her a second chance nor was I going to just wait and see what happens. Once he told me they took away his way of communicating with me and made touching a grown man's foot a “chore”, that was it. I couldn't afford it but I got us into a place and got full custody of him.
Now we are rationing the last roll of TP, we got approved for food stamps but they aren’t emergency even though I told them we had no food, my ex isn’t paying her child support and quit her job. I utilize the food pantry but I’ve recently received an attitude from the worker who rolls her eyes and makes sure to yell loudly how many times in a row it’s been that I’ve been there.
I applied for a secured credit card through Capital One with a $200 limit but requires a $99 deposit. I won’t have that “disposable” income for weeks, maybe months. I’ve tried getting a loan from a bank and credit union but was denied. I’m looking into a payday loan but with my monthly income the interest rate is absolutely insane. Idk what to do.
I’m so screwed and exhausted. I feel like my son would be better off financially if I was dead.
Are there secured cards that don't require a deposit?
TL:DR; Stuck in a “a day late and a dollar short” cycle and can’t start building my credit if I want to continue surviving. I’m drowning. Shady company is dragging their feet despite OSHA violations. I can’t get a loan.
Submitted May 07, 2022 at 01:19AM by Embarrassed_dad66 https://ift.tt/ul0zUh2
