I have been trying for a very long time to be debt-free (like so many people) and to be able to pay my bills and have money left over for “places to go” and “things to do”. Yet each turn I have taken would bring me to another door of inopportune moments of struggle and suffering. I’m a mother of four who has raised my children alone. I lived in New York and was able to get it together. Once I moved to Florida (in 2008) I felt like all the obstacles of the world wanted to attack at once. My two older daughters were on their own and I had the two youngest to raise alone in a state that didn’t quite pay like New York. I didn’t find work right away and was hired in housekeeping in 2009. Not a great-paying job, yet I stuck it out hoping to be hired as a manager like I was consistently promised. My financial burdens kept growing. I would borrow money to then have to pay right away. Pay a bill late to have groceries. Pay a bill late to pay rent. It was one struggle after the other and things that went into collections. I finally enrolled in college to earn a degree that would elevate my worth and hopefully set me up to work where I would get paid more. A bachelor’s degree in business administration, a master’s in business administration, and a master’s in education later only landed me as a business education educator for five years. I still struggled to pay bills and feed us and began to do a little better, yet I still had obstacle after obstacle come my way. Then Hurricane Ian’s flooding totaled my car and my car note and insurance went up. This put me back again. When my younger children were old enough to be on their own, I moved to Texas with my second oldest daughter and my grandson. We’ve been here for almost four months. She’s in midwifery school and works part-time at two birth centers. I’m currently teaching in a charter school that pays very low. We are collectively struggling and trying to make it here. My goal is to become a college professor, and she is on her way to becoming a midwife. I have to obtain my professional teaching certificate by passing tests that are costly. I have student loans that I need to start paying, and personal loans that I took out to help pay bills and buy food. I still owe my friend money, I’m behind on my car note, my car insurance is due, and my phone is due. I would love to have a clean slate and just deal with my day-to-day issues like putting gas in my car and paying my rent on time, and my car note and car insurance. I just would love to finally be debt-free and afford even the simplest thing and help my children when they need me. I feel horrible telling them that I can’t help them when they need me. I cry every day and I would love to have not a teardrop more because of my financial situation. I am currently in debt of $209,158.00 and I don’t even own a home, which is my dream as well as being debt-free. I wish to be blessed with the huge miracle of being able to start over. My life has more struggles that I haven’t listed, it just makes me cry more to even write what I have written so far. I’m so done with suffering and crying. Can you please help?
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