I’ve always tried to be smart with money. I never splurged on expensive things or lived beyond my means. But having Ulcerative Colitis changed everything.
When my UC got really bad, it completely took over my life. The pain, exhaustion, and constant trips to the bathroom made it impossible to work consistently. Even with Medicaid, there were still costs like medications, pain management and other things insurance didn’t cover. I had no savings, no backup plan, so I turned to credit cards just to get by.
At first, I told myself I’d pay off the credit card debt once I got better. But UC doesn’t just go away, and I kept falling behind. I maxed out my cards on groceries, gas, and basic needs. When I couldn’t make the payments anymore, my credit score tanked.
Not having credit has made life so much harder. I can’t get approved for a decent credit card, which means I have no cushion for emergencies. Renting by myself isn’t an option. It feels like I’m stuck, unable to move forward.
Now, I work for Lyft, but with my income, paying off my debt is tough. Most of what I make goes toward bills and everyday expenses.
I didn’t get into debt because I was reckless. I was sick, struggling, and had no other choice. I just want a chance to get back on track, to pay off what I owe, and to finally stop feeling like I’m drowning financially.
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