We need help. I never thought I would be to this point, but here I am. I feel like we keep taking 1 step forward and 2 steps back and I don’t know what else we can do. I keep joking if only we could win 100 thousand our lives would be changed. It would pay off all of our debts and allow me to buy a reasonably priced car or be the down payment for a house.
For the last 13+ years, I’ve been doing everything I can to get myself out of debt, but I keep finding myself digging a deeper hole. I went to college full time and worked full time, and then after worked two to three jobs up until the last 1.5 years to make ends meet. I finally took out a 21k loan to consolidate my credit card debt and half a year later my boyfriend was let go from his job during covid and I ended up putting about half that amount back on credit cards. I then consolidated that in a different way. Since we’ve had another job loss, pet medical bills, a couple of family deaths in another state we’ve had to travel for, and most recently I’ve had several thousand dollars worth of medical bills, and last week we found our deep freeze door had opened and all the food inside had gone bad.
We are behind on bills and are only using my boyfriend’s car which desperately needs new tires because I can’t afford to get the brakes and rotors replaced or renew the registration on my car. I tried applying for another loan with a reasonable interest rate to consolidate everything in hopes that this will finally be what got my head above water and I was denied. Even though I’m down to one job I pick up any extra shifts as they come my way but it’s unreliable.
Honestly, anything would help. Enough to fix our cars would be amazing or to get us so our bills are current and not late which would probably be about $1,000 or so. To lay everything out there 30k would pay off all credit card debt/loan debt and leave us with just his car loan (18k) and my student loans (35k). We’ve been together 12 years and I feel like we’re putting our lives on hold because of this. We can’t buy a house, get married, think about children, or follow our dreams of being business owners because we have this cloud looming over us.
Thank you for reading and considering.