I know I’m not that different from others when it comes to my financial situation, but I am here to ask for any help that can be given. Yes I am employed, I have two jobs at that. Yet I am still living paycheck to paycheck per the debt I am continuously trying to pay down/off. It started with a couple of credit cards, then I obtained a loan to pay off those cards. Then a few medical bills came my way, which led to me opening more credit cards. So now I am faced with several monthly payments (some of which I can’t make) and that doesn’t include the ones that need to get paid, such as rent and utilities. I’m easily sitting at $12,000 in credit cards and medical bills debt (I tried to include pictures of these bills but I was only allowed to submit one). Never mind mentioning the massive student loan I have to still pay off (roughly $80,000). I have even fallen behind a month or so on some payments like my utilities and a couple of credit cards, in addition to paying my rent late a few times resulting in me getting hit with extra fees just so I can pay other things on time. On top of that, some of these monthly payments are barely putting a dent into lowering my debt because of the interest some of the bills are incurring. At the end of the day I try not to dwell too much on my situation, because it could always be worse: I could have no job and not be able to make any payments on anything. When I become positive and have optimistic thoughts like that, it allows me to sometimes feel less stressed about my situation. However, having that said, it has become harder and harder to continue to pay on things and it feels like it doesn’t do much help or the debt continues to grow. Also when I try to make better financial moves (like apply for debt consolidation loans or move into a cheaper apartment), I am told my credit score is too low or my debt amount is too high. It feels like I’m in limbo and now at a point where I’m running out of options and ideas for financial help. So here I am, asking for any assistance towards my situation. Realistically, anything helps, even if it’s just $1. It’s a $1 more than what I had before going towards my debt so it is appreciated.
Thanks for reading/listening and considering my situation.