I’m sorry for taking your time to ask for help. I think I’ve just gotten to a point where I’m going to do everything to help myself get out of this financial whirlpool.
I guess I should get to how this started. At 17, I was kicked out for being gay, my mom thought she didn’t care but she just couldn’t handle it and we would just fight and fight constantly and I’d have constant anxiety attacks so it was for the best. My mom did raise us to seek independence and some skills to survive cause she believed that kids should leave home at 18 so I was just a year early. Unfortunately that meant I didn’t really save anything (i probably should have been saving while I was home, trust me, I learned a lot in these past 8 years since then). She did help me find a place which was a room in a house that the renters were renting from someone else but we thought they were the home owners. Everything was going great but then my young, and dumb self got a hold of a credit card thinking I’ll just pay it off every pay day and not spend more than I’d make and be able to still afford rent. Back then I was at the end of my senior year so I was thinking of fun, going to the prom after party, hanging out with friends before we separated for college, and preparing for college being proud of being the first in my family to graduate with honors and get early acceptance to all my schools. because of my stupidity with money and just spending what I made rather than save a big chunk i was not ready for the surprises that life threw at you. The first one came when the family got kicked out by the house owner and I got notified less than a month before so I had to come up with first and last for a new place, and the family left off to Vancouver, not returning my last month’s rent so I had to put a huge charge on my credit card that my McDonald’s job could not fully keep up with. I wasn’t allowed to move in with my mom cause she never got the help she needed to make her accept me yet, but the night I called her for help was the night I found out how she really felt about me and being gay which destroyed me on the inside. I was able to find a place that was basically a rooming house with a bunch of old guys. In this place my mom got help from a social worker and we made up and became super close but, cause of the way i was raised, and because there is no room at home (my family has been extremely broke my whole life and that is a whole other story so I have to only rely on myself for money then and now. Hopefully will make enough to be able to help them all whenever!).
Fast forward to the next surprise, which was that these older guys got super creepy since I was friends with many girls. I told any of my girl friends to not come over anymore and just had the guy ones and just focused on getting through schools and hurrying up to move out. During the finals of my first year i was stressing trying to study for accounting (my weakness) the creepiest of the roommates came home drunk, knocked on my door then started joking around. he made his way into my room and when I tried to kick him out he held my down and tried to… well… you can guess what it was and it was no fun, but I’d rather not just say it in full cause it’s more annoying to remember. Afterwards, he tried to apologize and I told im I wouldn’t charge him if he just realized that he has no existence i my eyes anymore and, for all I care, he was just an annoying pest that is infesting the house and he never talked to me after and I forced myself to come up with first and last to move again.
I moved into this house with people my age that were probably the best roommates I had and also got a better job at a bank, that made my family super happy so I was happy. things were going great until the supers decided that they were going to sell the house since they had to move away to take care of their parents. These were really nice people and gave us a 3 months notice. My friend and his girlfriend were moving out and they decided to look for a place with me, which meant I could get a better place for cheaper so I was super excited. We thought it was all good until my friend waited until the last minute that he didn’t like the guy that was going to be our super and backed out last minute, not giving his part of first and last month’s rent and when I called the guy to ask if he could wait a week for me to work enough to come up with my friend’s share of last month’s rent he yelled at me and decided not to let me move in, blaming me for the whole thing. Now I was less than a month from moving day with no place to go. I finally sucked up my pride and moved back in with my mom for a bit til I found a new place. On top of this, I got kicked out of school before my last year because OSAP didn’t say that the grant portion fully goes to me and only the loan portion is what they pay to the school, so when I got the extra funds that, I thought was for my books and supplies they didn’t pay Sheridan $500 of my tuition, but Sheridan emailed me saying they got my money from OSAP and I was good. I only found out about the $500 at the end of the year when I was trying to select my last year courses. My advice, don’t let OSAP pay the school, just take it in full and you make sure to pay them yourself.
I found a nice person to let me move in during the new year and I had to share a basement with a student roommate that I thought I’d get a long with. Little did I know, he would constantly call me things like a contamination cause I moved my dish rack a bit close to his when I had to clean the counter (including his mess) so I’d just be cleaning and having this annoying guy in my ear for so long. On a brighter note, TD picked me up from agency to full time but I almost didn’t get the job because that $500 from Sheridan went to collections and it’s hard to work in a bank with bad credit but they overlooked it when I went to pay it off as soon as I could, but that hurt the bank a lot! Also, I decided to go back to school for Programming too! As things were getting good my issues started to work there way out of the deeper parts of my mind to come and mess things up in life and all the stress from anxiety, this roommate, and something I realized as a kid that I blocked in my memory, but, that my mom confirmed with me one time all came up, I fell into depression and quit my job, and drop out of school. Such a stupid time, but I believe that everything happens for a reason. I was in a bad slump for 3 months but, since I contributed to my pension plan at TD, that money got returned to me and helped me just get by. After, I had a long talk with some really good friends that helped me with y anxiety and depression issues to the point that it no longer controls my life. One helped me realize something I’ve been doing my whole life that caused me to never really be happy that inspired me to talk to my mom about it and then be inspired to come back strong. I came back to TD as agency again, and was working on paying things down and just getting by again. Even though my new manager very noticeably disliked me and would say a lot of stupid things to me to get to me I was still inspired to work hard and, one day, go back to school.
The best thing happened in that my mom’s friend talked to her about a job that paid a lot higher than this one did and it was full time, no agency?! Sign me up! So my mom talked to her and I got the job! this has been the best job ever, but it caused me to have to move to downtown Toronto, which is super expensive.
This leads me to now I really want to go back to school and pay off my debts as soon as possible so I can do this, raise my credit score, it’s really bad, and get a better apartment that is actually under my name one day. It’s also required that if I want to get promoted that I have post secondary and my manager wants me in school by next year but I’m not sure if I will have enough to do it all in that time. I am asking, if you do have anything to spare, would you be willing to help me pay down my credit card, or my Sheridan amount? Most importantly, I’d like to pay off sheridan so I can go back as soon as possible and it’s the lesser of the 2, luckily. My credit is $2,094.25 and Sheridan is $1,681.34. I do have other debts like OSAP but I can pay that no issues, even if it just has to be the interest only for a while, I really just want these 2 to finally be gone. I haven’t used my Credit Card in years now and once it’s paid down, I already locked it and probably won’t use it going forward. One issue with my Credit Card is that RBC signed me up for Balance Protector and Premium Report when I told them not too, and my stupid self never bothered checking until years later and the companies only refunded 3 months worth of charges and I was finally able to cancel it this year after someone at RBC told me I wouldn’t be able to until it was paid down (don’t listen to those scammers). since those are cancelled once it’s paid off nothing should charge it anymore besides Geek Squad which I am also now cancelling. I will set this at $4,000.00 if thats how this site works to cover everything but even if I can’t pay off anything fully, just anything is fine. Even if I make nothing, I hope that anyone that took the time to read this learns from my mistakes as I have and SAVE and BE SMARTER WITH MONEY! Thank you for your time.
(photos of figures will be posted)
Also, if there is anything more that you want to know about me, just ask away! I’m a super open person but I omitted some unnecessary stories cause I felt that I talked enough, haha!
tldr: gay kid gets kicked out from young and older him is stuck paying for his younger stupidity and is just seeking a possible helping hand