My name is Cortney and I am a 22 year old college graduate. I paid for college through a special program and with colleges. I had never been in debt before. A year and a half ago I moved across country from Michigan to California. That was a huge financial burden to take on, but it was one that I was ready to do. During the entire move, and up until now, I never asked for help from anyone. I made things work and I pushed through.
But, it was around that time that I also started using credit cards. There were pros and cons to that. The pro was that I needed to build credit and this was the way to do that. The con was starting to fall into debt. I manage to pay my minimum payment each month. But I’m failing to make a dent in the actual debt.
Now I am at the point where I am struggling to pay rent as well. I live with two roommate. But between my bills, I need to make at least $2000 each month to scrape by. I was doing ok, until last month (November). I had to put my entire life on hold for the month.
My grandpa had died and my good friend had committed suicide. These were two things that brought me back to Michigan to deal with. I had to go the entire month to attend funerals as well as help my mom (who is riddled with her own problems) and my grandma (who is slowly fading away, mentally). I tried working while I was home, but it was hard to balance everything. So I took out a loan to try to get ahead. And now I find myself even further behind.
I am $400 short for all of my bills this month. I have no support system or other options for help. If anyone would be kind enough to donate anything. The stress and weight of everything is slowly eating away at me. I work 3 different jobs and am doing the best I can. I just need some help to catch up.
I know these things are decisions I made and I can accept that. In the future, when I am better off, I plan to repay any generosity that is extended toward me. Thank you.