Hi all,

    I'm new and looking for support with debt management. It is so very frustrating! A little about me: I'm 30 years old, single, no children, lived alone for last six years. My issues with debt began four years ago when I lost my job. I was fortunate to land a job one month later but the salary was almost half  and well below what was needed to make ends meet. My new hours also did not allow time for a 2nd source of income. So after savings were depleted, I turned to credit cards. At some point, I went from having a few thousand in savings: to zero and 6k in credit card debt.

Four years later I am once again unemployed and waiting to start up another job in about four more weeks. I will need to turn to credit cards again until my first paycheck. I'm trying to find work but it seems everyone has already hired staff for the holiday rush or has no need for someone for such short duration. I dream of purchasing a home, having a savings account, and zero cc debt. But it just seems like I am never going to pay this off. To make matters worse, when I received the new job I downsized to an efficiency as well. My thinking was that I would only be here six months to pay off my debt and then move out. Well, in that time my car went, few health issues, and job did not work out. So basically i have not paid anything down. I was wondering how you all do it? It seems something always comes up. The 6k included car repairs, hospital bills (high deductible), and moving expenses. I am just trying to figure out what I am doing wrong? I have no family support and no one to turn to if things go awry. It is just me, myself, and I. Which I am fine with.