I am someone who believes in standing on ones own and never thought id be here years ago my sister got in a wreck and had a child about 6 months later, I moved in to help with bills. Everything was great until covid my sister is on disabillity meaning a fixed income and i take care of rent cellphone food etc.. she pays what she can and puts 50 dollars a month away to an emergency fund i am less frugal. when covid hit i started taking loans to get by. On friday April 16/2021 i contacted a credit counsellor and entered a dmp to help with bill payments And they have gotten most of my bills right to where i need them the problem im still facing is i have around 4k in payday loans and if i cant get them paid off ill never be able to break the cycle ive sold my second monitor for my pc sold my desk/chair and gotten some off the local freecycle. i sold my oculus quest and various other toys/entertainment devices i had around. I am working again and have been for almost 8 months I have also started picking up odd jobs from facebook and other message boards but ive fallen into what i would consider a never ending cycle and i am not seeing away out. Any and all help i can receive would be greatly appreciated i am not expecting my debt to get cleared but am hopeful i may receive some help here or there if i were to include all my debt its closer to 28k but i am just here seeking help with the payday loans of around 3k .I should also note i am on the brink of not being able to pay rent and am actually going to have to reloan on payday loans if i cant find some help.
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