My name is Jessica and I suppose one would consider me one of the “working poor”. Although, truth is I’m considered to actually make a decent wage. Though, still I find myself constantly struggling to make ends meet.
I do my best to ensure I limit my spending everywhere possible, for instance, I take advantage of amazing deal on Wednesdays locally to feed my son and I on as little as possible.
I’m sure my story is similar to many who find themselves in the position I’m currently in, which is why I find it challenging to reach out. Not to mention, for many of the available programs my income seemingly exceeds the standard.
I went through a breakup about 2 years ago, this forced me to move out with my son within just a few days, with no savings to my name. That’s really where it began. I was in an emotionally and physically abusive relationship and had to get out. I managed to find an apartment for rent and was then placed on short term disability due to the aftermath of the relationship. I wasn’t approved for my STD until after returning to work, so not all of my expense during that time (rent, debt etc) were covered.
I was there for 6 months before finding a new place, excited that the rent was lower. Only, my landlord who was the father of a personal friend, raised my rent 3x during the time I was there. That created a hostile situation as the landlord began entering the home and making it extremely uncomfortable.
Mind you, though the rent seemed decent at first, I was driving 1100 miles a week for work and to get my son to school. So, the cost of milage really didn’t weigh what seemed to be lower rent. Especially, after the $400 increase.
I was again, forced to find a new place to live. Which I did. The place I found was in a perfect location. Only, the cost of rent here was over 50% of my income. I thought, since I would only have to travel 5 miles distance to anywhere, I could make it work.
I’ve been “making it work” for a year now. Only, they do not accept partial payments and charge $15 late fees per day. It’s a private rental and my son and I truly love it here. However, I’ve been trying to make ends meet since my first late payment. Which set me back $210 when I had to wait until my following paycheck. I took out a title loan costing me $160 a month in my already endless pit of payments.
I am living on appropriately $1000 a month right now, incredibly. Though, my 2002 Nissan xterra with 300,000 miles (which I took a title loan out on) died back in October and I knew the cost of fixing it and possibly continuously wasn’t within my budget.
I decided to start looking for a new vehicle. Which I was able to find. An amazing deal, 2014 with only 52,000 and my payments are only $112 per month because the vehicle price was lowered to only $4600.
However, that brings me down to $900 a month for groceries, gas, utilities, raising a 14 year old.
So here I am, 3 days late on my rent, I’m short $800 after having to repay outstanding debts and I have no clue where to turn. I did call the rental assistance program in my area and they’re full until next month.
I’ve been at my place of employment for 10 years next month. I start school again in May in hope of possibly following my dream to be a Energetic Massage Therapist as I completed my Reiki program back in 2018.
I feel stuck and am hoping for some type of miracle. I’m not sure if this site will be able to help with any of this or whether the details I’ve provided are substantial. I’ve put it out there to my angels, my guides, the Universe that I need something big.
I just know that there’s more to this life than filling out spreadsheets and expense reports and constantly being in the hole no matter what I do.
I don’t receive assistance from my sons father as he isn’t exactly living his best life either and it was never about money for me.
I don’t have any family or friends to turn to and I’m really just putting this out there as a last possible grasp for something. My main concern is getting through rent this month ($1650) though getting ahead in a big way would also be incredible.
Thank you for listening, if even that is all it was for.