I don’t know where to start. Everything is a mess lately. I owe everyone money and my paycheck barely covers existence.
I’m in debt ($7000) to multiple credit card companies which I’ve recently gone through a debt relief program for (which is insanely destroying my already shaky credit), my car financer ($350/month), both of my parents (my dad ($1500) because he helped me get my car back after a repo earlier this year and my mom ($2000) because she helped me pay off a 27% interest loan because I couldn’t afford it anymore), and $15/hr at a doctor’s office just doesn’t cut it. My medical bills killed any savings that I had and while I’m happy that I’m physically better, the mental impact of constantly trying to make ends meet is taking a huge toll. Job applications are not getting me anywhere, I’ve put in hundreds and had only three interviews in the last 7 months.
I have basically bald tires on my car that I can’t afford to replace (in Pennsylvania in winter), both my cats need to go get their shots, and to top off my random money needs, my baby sister is going to be getting married halfway across the country soon and I need someway to get there.
My boyfriend is doing everything he can to be there for me mentally/emotionally, but he’s not doing better financially. He’s facing a possible repossession himself, his car payment is insanely high and he’s been laid off of work because of the weather, he was in construction. Unemployment hasn’t sent him anything for the past few weeks and we’ve had to borrow money from his mom multiple times to cover bills. He does have a new job lined up but it’s like $5 less an hour and we still need to catch up on about 6-7 weeks of pay. He’s trying to sell the car and just have his older truck, but he owes too much ($42000) and no one is willing to give him enough for it to just break even. Can’t even try and coast til tax refunds come in because I never get more than $300 and his previous job didn’t deduct for taxes so it’s out of pocket (Last year it was like $2500). We’ve eaten through any savings for that purpose.
Literally anything that anyone can give will help. I never thought that I would get to this point, but I’m desperate and need to reach out to someone. My thoughts are getting dark and I don’t want to do something stupid that’ll hurt the people I care about. Neither of us can take the stress anymore. We’ve all but given up hope. Thank you so much just for sticking around, and thank you even more if you’re able to help.
If you can help, I have CashApp, Venmo, Zelle, and PayPal. I was asked to put my PayPal but I can provide other information if requested.
PayPal is https://www.paypal.me/anythinghelpsdeanna