Swallowing my pride and asking for help. Bottom line is I lost my job in July due to a surgical procedure that would keep me out of work for two weeks and it was not covered under FMLA because I was not with the company for one year. This affected my attendance in a negative way.
I was working towards catching up which is all overhead paying rent, utilities, Auto insurance, car payment, gas, food, etc… I have very minimal credit card debt but have roughly $170 minimum due a month mostly on care credit And two Visa cards that I utilized to pay what I could. They are maxed out but thankfully I owe less than $5000 total. I took care of a lot of financial matters for my father between 2009 and 2016 which put me and a hardship. My tax refunds helped tremendously temporarily. My father took his life three years ago and I haven’t been the same. The day my father did this is also the day of my sons birthday. I have mom and stepdad in another state And I talk with her 1 to 2 times a day. They have their own financial hardships and at my age I feel I should be preparing to take care of them. I also have one child who is away at college. Thankfully my ex-husband started a college fund and there should be minimal student loans. Two years is better than four years of owing to school. He has a job and And pays for his responsibilities as much as possible And I am proud he has such a strong work ethic and is not one of a millennial or generation Z Who feel entitled. I’m very proud of him but feel like I failed him as a mom because of the situation I find myself in. I have a job starting next week, but it will not pay enough to cover my basic necessities. I have a major depression disorder with generalized anxiety and this has also caused hardships financially. The tax refund I received paid the bills however is now is depleted . Everything else will have to wait. My first paycheck will be on the 21st.
My concern is the car payment is going on two months past due and want to avoid additional Fees And repossession. I don’t want to cancel my auto insurance because it’s Required by law and unfortunately I live in the county that has the highest fraud rate in the United States. Therefore it’s three times as high and I have no points or history of accidents. Knowing that this job I will be taking will have opportunity for overtime and a shift differential for working evenings and weekends well hopefully be enough to break even monthly. I am college educated with a degree but I am in my 40s and will be starting an entry-level position. I have no choice but to take it and it is a good opportunity to grow. I Have never done this before and if you can help feel free to pay directly to my rent, utilities, auto Insurance, car payment, gas card, etc. I just want you to know I am not a drinker, never have tried drugs and do not take any narcotics And have no other addictions. I’ve been divorced for 10 years and I have zero savings. This new job will be the start but I know it’s not financially possible being behind already. I know there are probably requests On here That are not genuine and I would be hesitant to help if I were in your shoes. I am looking for a side job in between the hours And days off I will have with a new position. I tried Uber and Lyft but I spent more gas than I made and did not want strangers in my car. I have always put other people first. This time I need to put myself first and swallow my pride and ask for help. I will take any photos I can upload of bills so you can see for yourself. I would post a photo of myself but I feel embarrassed to be asking strangers for help. Thank you for reading my post. I know things will get better But right now if I don’t get things under control I will lose my car, get evicted, and lose a new job at the same time. Thank you for anything you may provide.