Hi, I am a 23-year-old woman who is going to schoo full-time and working full-time (makeing $12.50/hour as an administrative assistant). I am in so much debt. My landlord literally just called me this morning and said that if I'm late with my rent he is going to start the proceedings to get me out of the apartment,its a month to month lease so legally he can do that as far as I know. Its looking more and more like I'm going to have to leave school but I'm done next September and it would suck to have to drop out and just to go back, not to mention I've been having these financial problems since before I started school and moved out on my own. I looked at filing for bankruptcy but I didnt understand half the stuff they were talking about. I also cant afford the fees and stuff to file. I have tried budgeting, direct deposit, not using direct deposit actually works better for me because I can physically see my money and how much I'm spending. But I always seem to fail. I just moved out on my own for the first time this past summer and at first things were fine but now I am constantly having to scrape by. I then made the horrible mistake of taking out mutiple pay day loans and at first I was paying those back on time but now I owe three of those comapnies too. I also have like 4 or 5 credit cards that are not getting paid at all. I also have medical bills, I owe friends, family. An ex of mine said he's getting ready to take me to court for the money I owe him. I owe my gym money. The list goes on and on. I need to help. I cant afford money mangament classes because I cant afford to actually pay for them. Ive tried every trick in the book for saving money but literally every paycheck is gone by the time I get it. I literally have gone two and three months at a time without buying groceries. There are things that I still need to get for my apartment that I dont have like more dishes, a futon for my computer room, a kitchen table (a tiny one). Not to mention things like I need new clothes and money to do laundry. I mean I have no idea what else to say except please give me some sound advice on what I should be doing right now to get myself together. Going back home is not an option and I dont have any relatives or friends that I can live with while I try to get back on my feet. I dont want to give up this apartment becuase my credit is shot to hell and I wont be able to get a better place until I start paying this rent on time and taking care of al the debt I owe already. So any help and advice would be greatly appreciated. Thanks!!
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