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Last Updated: May 20, 2025

Please Help

I’m a mom of three children, and I recently lost my job because I couldn’t afford daycare. Without reliable childcare, I had no choice but to miss work, and eventually, I was let go. Things quickly spiraled from there. I fell behind on bills and tried to stay afloat by using my bank account’s overdraft and my credit cards just to cover basic needs like rent, food, and diapers. My account became overdrawn by $4,000, and my credit card reached its $13,000 limit. The bank eventually closed my account due to repeated overdrafts, and now I’m left with over $17,000 in debt.

I’m doing everything I can to get back on my feet for my kids. I’ve been looking for remote work opportunities so I can stay home with them and avoid expensive childcare costs. I’ve also reached out to local organizations and credit counselors for help negotiating with creditors and figuring out a plan. But right now, the stress and pressure feel overwhelming. I’m not looking for a handout—I’m just hoping for a hand up. Any support, advice, or resources that can help me stabilize and rebuild would mean the world to me and my family.

Filed Under: Emergency Money Tagged With: USA

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