First, if you are reading this, I would like to thank you for taking the time to do so. I am not here to waste anyone’s time or take advantage of anyone’s generosity.
I would like to start out by saying that I am 29 years old and have always had a horrible time managing my finances. I was never taught. I came from a very poor family, one that would use my birthday money that I had saved up, to keep the heat on in the winter. Although that is not an excuse, I really aspire to learn to save and live a life that doesn’t include “living paycheck to paycheck”.
My request for assistance starts with the fact that I have a large amount of student loan debt ($30,000). I never graduated, but instead dropped out to pursue a career as a firefighter which I am still pursuing today. My loans that I have in my name, I have never been able to afford to pay myself. I have always lived paycheck to paycheck. There have been plenty of times where I have had 2-3 jobs as well. My parents also pay parent plus loans and have been for several years now and they are pressuring me to pay loans that I do not have money for. I am one of 8 children, mind you. This college debt not only effects my family but my credit as well. I will never be able to own a home. I can’t even apply for credit cards. I feel stuck.
My second reason for asking for help is that I just lent $600 to a very close friend of mine who is a single mother and called me in tears, because she couldn’t afford to keep her utilities on or pay her car payment/insurance. Even though I myself, can barely afford my bills, I couldn’t not help her. She is going to pay me back but I have told her to take her time getting back on her feet and I cannot pressure her. I am not a debt collector.
I now sit here, with a bank account that is severely in the negatives(-$924) and I’m wondering how is it that I am going to pay my every day bills such as rent, food, electric, car bills, etc. Along with trying to eventually make a dent in my student loans that drag my credit score down into the ground.
I want to be able to climb out of this awful hole that I have dug for myself. I want to be able to learn how to manage my finances better. If I could get assistance and even just get myself out of the negatives, I plan on contacting a financial advisor. I want to do better when it comes to money. I have always dreamt of being able to provide for my family and giving them the life they deserve one day. I want to have kids and a life. None of this will ever be possible if my finances continue on like they are now.
I ask anyone who is willing to help. Anyone who can sympathize with someone like me. Someone who found a way to not “live paycheck to paycheck”. Or someone who used to just survive. Please consider donating and helping me. Thank you.