Hello, this is a longshot asking for help on here as there’s many people who need help.
Since my last year of college in 2015, I’ve had two jobs consistently. 80 hour work weeks at least. Between my $25k student loan (fingers crossed that the rest will be forgiven under Biden, but it’s not looking likely) and $18k car loan (paid down to about $10k now), on top of living most of that time in a very poor area (minimum wage is still $7.25 with a lack of available jobs), everything I’d made during that time went to those bills along with my normal rent and utilities, food, and my dog.
A few years ago, I moved out to Colorado in the hopes of finding something better, and I did. I was amazed at the payrate offered in the state. But, where there’s increased pay, there’s increased bills, which I found out the hard way. My partner and I at the time were living in a barely liveable rv in a park, and had even managed to save up a good sum of money for the first time in my life. But things happened, we didn’t work out, so those savings were split between us and we went our separate ways.
Unfortunately, the rv was his. I had a month to find a place for me and my dog to live, or else I’d be homeless. There was no one who could take us both in. So out of desperation, I took out a loan. Definitely not my best idea, but it was all I could do at the time. I spent the minimum I had to spend to get an apartment secured as well as necessities like a bed, and had hoped to keep the rest put away for paying back the loan. But life had it’s own ideas and hardship after hardship happened, hospital bills, emergency vet visit, and an emergency last minute move, and now that money is gone.
This is not something I envisioned myself asking for, but I’m exhausted and worn down. I can’t see any way out of this hole I’ve been trapped in for years, and I’m at that point of wondering what’s the purpose of all this. Why work myself to exhaustion with nothing positive coming from it. I work to pay bills, and it’s so disheartening to watch my paycheck hit, and immediately be spent that same day on my bills. I have nothing in savings. My account balance is in the negative at the end of each month, and I’m doing all I can. I have no life outside of working and sleeping, and no one I can turn to for help. I’m on my own and I’m so tired of struggling and crying and feeling so stressed that I dread waking up every day.
If anyone can help me at all, it’d be life saving at this point. I’m tired, mentally and physically, and so stressed that I can feel it impacting me physically as well as mentally. I can’t catch up to what I owe and be ahead of payments, so I don’t see a way out of this otherwise.
Thank you so much for taking the time to read this, and you’ll forever be my hero if you can find it in yourself to help me out even just a little bit.