Hello and good afternoon to anyone that reads this :),
I don’t really know how to go about this… but I can start with my story.
Just like a lot of kids, my life was not easy, grew up with my grandparents, had 2 siblings, a cousin, and I am the oldest. We lived off the pensions of my grandparents, which didn’t go that far, especially shared between us all. I went to university, paid my way through it by working while I went, got a degree, and then couldn’t get a job, like many other people my age at the time, but took whatever I could get. I am not too proud to do any job. I was always taught that any job is a good job, as long as you are treated right and you are doing your best for the company or boss. I’ve always lived by that to get by.
I finally got a good job with benefits a few years ago, after living in poverty with my partner at the time for 7 years. During those 7 years, we barely scraped by. Neither of us were able to go to family for help, as they had nothing either. My grandparents did send money when they could sometimes anyway, which was very kind, but I always felt bad because they don’t have much, either.
My partner’s and I’s debt was immense, due to medications, car payments, unfair rent, insane hydro bills (the insulation in the place we rented SUCKED and we had bills of 500 bucks at a time because of the extremely cold winters). We went to food banks, did whatever work we could find, until we each finally got decent jobs with benefits. I only worked there a year, we ended up breaking up due to a lot of reasons, and each went away with insane debt already because every cent we had in cash had to go to rent while we were together. To survive, we had to keep getting credit cards/upping limits to be able to get food, pay bills… it was horrible and stressful, but we had a roof, each other, and they weren’t allowed to shut our power off during the winter months, regardless of how much we owed to the power company for heat.
Anyway, we broke up, went our separate ways, respectfully. I lived on my own for a few years from then on. I found an amazing deal on an apartment. During this time, the good job I had was full time AND HAD BENEFITS. I got a consolidation loan, did pretty good finally, started paying stuff off. I could breathe. It was nice. Then I got a major injury. It was a head injury that has caused me intense migraines and other issues that stumped doctors. Medication after medication, physio, acupuncture, other stuff like that, and trial after trial, nothing would work. My health deteriorated horribly quick, I was forced to go home from work because it got so bad and had to go on medical leave. Now I am 29, living with a partner (my only saving grace right now to be honest because we split all the bills), and my income was dropped to 65 percent of what I was making. A year later, I was still just as horribly debilitated and now my mental health was deteriorating intensely as well. I was sent to long term medical leave, and my income was dropped to 55 percent of what I was making, which is where I am at now. It is looking like I will be stuck like this for much longer, at least 2 more years, as I am on a new medication that takes a long time to get into my system and show that it is working. I cannot get anymore credit increases to help with living costs, and can’t afford all of the payments that are spread out everywhere anymore, on top of living.
I pay the credit cards, only to use the credit to the limit again because I need that cash. Attached are photos of the mess I am in. Due to my insurance and job benefits with help to pay part of the interest on my loan while I am on leave, I can’t get a consolidation loan, but was told my credit was so horrible that it wouldn’t be approved anyways, so to keep it as it is. I did pay about half my loan off while I was working (it used to be about 22,000), and I just finished paying off my student loan, but with the new meds and everything, my partner can’t afford to float me anymore, either. I feel horrible because they are now in debt because of me as well. I owe them money, some other friends money, and I’d like to pay back my grandparents. They’ve all helped me as much as they can and I am just not getting better any time soon. My financial issues are just getting worse and worse and I don’t know what to do anymore. I can’t work AT ALL, because it will cancel out my insurance. They will claim that “well you can work so go to work,” but we all know that is not how it works lol if I have 5 good days out of the month, it doesn’t mean I can magically work full time again, or even part time. I can’t schedule my head injury symptoms lol.
Also, I know I could claim bankruptcy and look into that, but then I mess up even more for my future and goals with my partner that I am committed to, so I would prefer not to do that, if I can.
Anyway, thank you for listening to my story. Attached are screenshots as proof of my issues. One app won’t let me screenshot though because of “privacy agreement.” It is a credit card that I owe $2447.71 on it. My credit cards are either over limit or VERY close to over limit. I have one overdraft that I owe 1500 to, but there is some money left in it for one of my loan payments to come out that is due soon.
Thank you for taking your time to read my personal issues lol. If you are willing to help at all, even to help me a little bit for this month, that would be amazing and so kind. I know that if I ever get out of this, I will definitely be helping others when I can, as well. I already do with my time when I can, with tasks or whatever they need if I am able to.
Thank you again and I hope you have a wonderful day,