New to group, not to debt
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|Tue, 11-03-2009 - 3:28pm|
Hello all! My name is Amy. I actually think I posted here before years ago. My living situation has changed, but I still have debt.
I have NO credit cards. NONE.
I have student loans that I have been working with and now have under control.
I have medical bills that I have a payment plan for, and that is under control.
I have all of your typical monthly bills (cable, rent, insurance, electric, cell phone).
I have 5 or 6 places that I owe anywhere between $125-$2000 dollars. THESE are the thorns in my side.
I got myself into trouble with payday loans. 4 to be exact. 3 I have consolidated with an online service (not sure if that was the right choice or not, but whats done is done). Most of the 5 or 6 bills basically are because of this. Also I have 2 banks that have closed my accounts because I was terrible and did a little check floating, and I owe them both. So, I have no checking accts right now.
Anyway, what I would LOVE is a coach, or someone who can really help me figure out a good, solid plan to get all of this under control. So I can develop good behavior and habits with my money, and get my credit in good standing. But, such a thing does not seem to exist... and I feel very lost as to how to do this by myself. You would think it would be easy enough... and certainly a woman of 36 years old should have this stuff figured out and not be needing this type of help at all. It's rather embarrassing for me, really. I seriously feel like I just need someone to hold my hand for a while. I want and NEED to get to a place where I have more than $3.00 and a week to go before payday.
I'm a single mom to 2 teenage boys, just a little tidbit for ya.
Any suggestions or advice? WHAT DO I DO? WHERE DO I START?