My name is Kaylee. I’m 24. I’ve never done anything like this before but I’ve become desperate. I currently have a full-time job and a part-time job where I make a decent amount of money. I was doing okay financially until a few months ago. Now, I’m over $15,000 in debt. 15,924.73 to be exact. At 24 years old. It all happened so quickly… Now, I’m not asking someone to give me $16,000, but anything will help.
I wish I could give a sad story for why I’m so deep in debt at a young age. And why I need someone to donate to me. I don’t have an illness, although medical bills are one reason I’m in debt. I just simply screwed up with my money—I spent more than I make.
It started with a couple credit cards I got simply to try to build my credit. My mother warned me to be careful with them; not to get to many credit cards and not to spend more than I could afford to pay back. Did I listen? Yes, at first I did. But naturally, as I got approved for a couple credit cards and started building credit, more credit card companies started sending me offers with higher limits. And soon, I got caught up in the temptation of spending money that was never mine.
I thought I could handle it at first; I was making all my payments on time. And still had enough money for my other expenses. I figured eventually I would get the cards payed off. My credit score was good. I thought everything would work itself out.
But in July of this year, I really messed up. My dog, that I’ve had since I was 12, needed to have surgery to remove a mass from her face. Any pet owner probably knows how expensive this can be. And my dog already had two surgeries prior which were about $1,000 each! So, I knew I needed at least a grand for the next surgery. It was money I didn’t have, and had no way of making in time. My mother and other family members don’t care about animals the way I do. They wouldn’t help me pay for it, even though they could have. So, I applied for my very first personal loan. I was approved and allowed to borrow $2,000. And paid for my dog’s surgery.
She’s doing great, by way! J Besides a bit of arthritis, she’s a happy and health 14-year-old dog!
That may not be considered an emergency situation to some, but for me it was. Maybe this is “lame” to say, but my dog is my best friend. Period. Again, any pet owner can probably relate. So, I don’t regret taking out that loan.
However, I didn’t realize how much the loan in addition to $5,000+ I already owed in debt was going to affect me. I still thought I could handle it.
By now, you’re probably thinking, Wait, I thought she had over $15,000 in debt? I do.
When I applied for that personal loan, I didn’t consider the fact that I was going to have to pay that money back plus interest out of my WEEKLY paycheck. So what did I do? I took out another personal loan and another credit card. Then another loan and another.
I was stupid. I know. And if I could go back six years to the first day I got my first credit card, and do things differently. I would. Believe me, I would. I really wish I could. Unfortunately, I can’t go back.
Earlier this year, after having extreme back pain for a few months, I also found out I have scoliosis. Finally finding this out at 24, now my scoliosis has become severe. I’ve had to see multiple specialists. Just for them all the tell me there’s a “possibility” I may need surgery. Then send me a hundred dollar or more bill in the mail.
And to make matters worse, I have a hernia. From lifting too much at work, no doubt. I weigh 103 and my job requires me to do quite a bit of heavy lifting. When I spoke to my doctor about it a couple months ago, she told me if it didn’t seem to get better, I would have to take some time off work. Then we’d discuss treatment. Surgery was mentioned as again, a “possibility”. It’s increased from a slight discomfort to almost excruciating pain. Despite the fact that I’m terrified of having any surgery, I haven’t gone to see my doctor. Because I know if I do and I tell her how much pain I’m in and she feels the bulge, she won’t let me continue work. It was difficult enough to convince her to let me work after my back pain started.
My full time job does pay for medical leave of absence. But it’s only 60% of your pay. I’m barely making it by on my full paycheck.
I’m already working two jobs. I got a second job to try to pay back my debt. But it still isn’t enough. I make less than $2,000 a month, and my monthly debt plus other living expenses are lot more than that. I began making late payments on my credit cards a month ago. I’d never made a late payment before now. NEVER. Now I have the credit card companies calling me and sending letters to my house. I’m so afraid of all my accounts becoming delinquent, some already have. I don’t want them to be sent to collections, I don’t want to enter a debt relief program. All will ruin my credit.
I just need some help paying off my debt so I can get back on track. Without such extreme debt I can get my bills paid, take care of my health properly and most importantly, get back in school. I desperately want to continue my education. Then I can find a good job, make good money, and never allow myself to fall into a trap such as this again.
I never thought I’d be begging for money, especially due to my poor decisions, but here I am.
Be a miracle to me, I’ll be forever grateful I just need a little help.