Feeling Very Helpless and Sad
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|Sun, 04-21-2013 - 4:45am|
I've been reading all of your stories and wow, you guys are so inspiring. I really hope that I'll be able to write about my success soon.
To be honest, I feel like a worthless bag of *hit right now. I'm in my overdraft (-1765) and I have two bills coming out on Monday that are $400 each and not getting paid till the following Friday. I am constantly living in the red in my bank account and don't know how I'll ever get out. I owe close to $15000 on credit cards and a line of credit. I have three children ages 3 months, 6 years and 9 years old and I work two jobs from home while my SO sells cars. I feel that I make decent money but it's always gone because of my debt and bills. I made a decent stab at my debt about 4 years ago and got it down to $2000 but now how I dug this hole again. I feel so stressed, can't sleep, can't be happy and im questioning everything.
How do I even start on this? I just want my bank account to be in the black and to make regular payments. My debt is: approx 2700 on Scotia Card at 12%, 5000 on LOC at 9%, 3500 on TD Visa at 19% and 4000 on Royal Bank Visa at 19%. I don't have any room to move money around on cards. What would you pay towards each month?
Thank you for reading, I really look forward to getting to know you all.