Hi, thanks for reading. I am seeking donations to help with large debt that has accumulated over several years due to many reasons. Making minimum payments leaves me with nothing every month, many months less than that. It’s a cycle I cannot get out of. I went from having excellent credit to poor credit pretty quickly and cannot qualify for a loan.
I will add some issues that have contributed to this problem below.
My dog of 12 years passed away a year ago after months of expensive treatments. I have adopted another dog, who was diagnosed with an incurable eye disease. The visits to see these specialists are very costly and surgery is recommended.
I was in an abusive relationship. He put me in a bad space emotionally, physically, and financially.
I work full time and even overtime, but I do not make much, despite having a college degree. I have some serious health conditions that cause me to miss work and even though I work for a healthcare facility, they do not pay when I’m out of work. Not even the 3 times I contracted COVID from work. I missed weeks of pay just from that and I have a lot of medical bills of my own.
Everything is more expensive these days, as you all know. I have a medical condition in which I have some strict dietary restrictions. Those groceries are even more expensive. I am in a bad place and tried to just eat ramen because that’s more economical, but I got very sick from doing so. I am getting by with one meal/snack per day but I don’t even have the available funds for that at the moment.
I have a car, but I cannot afford the necessary repairs to be safe, or much less on the road. I have missed work due to not having gas money. I need to work to make money but I can’t even get there sometimes. There is no public transportation where I live.
I do not have family and I don’t know where else to turn. Daily expenses are too much, and especially when there is an emergency situation, I have no other options.
I have fallen into a deep depression and I can’t see the end (I am on antidepressants). I am riddled with anxiety. It is a constant fight to function in any capacity.
I spoke with a debt consolidation company yesterday, and hope it will help. There are definite downsides, and it won’t be a cure all. I have also been selling household items and saving in every way I can think of. I do not live extravagantly by any means. It’s been years since I’ve spent money on anything unnecessary, entertainment or socializing.
Thank you for reading and I any bit helps. Even if it’s advice or good vibes and prayers sent my way.