I just found this group and I'm grateful I did. Here is my story. I am a single mom of three. I have a steady job (salary of $33k) a year. I get child support monthly. You would think everything was fine...it's NOT. I live paycheck to paycheck. By the time payday rolls around...I am usually flat broke. I have three credit cards in collection...two are threatning to sue me. Total balance on those is $5,000. I know-not much...but I can't seem to make any type of payment. I guess I don't have much more debt...the rest adds up to another couple of thousand. My name is in that Chex Systems...so I can not open a checking account. I have terrible credit (my score is maybe 550). I feel like such a looser. I am 37 years old and I have three kids. I should not be in such a bad place. I do not over spend...I am not a shop-aholic. I don't know what my friggin problem is. I bring in $3000 a month (between slary and child support) and it just covers my living expenses (including food and gas). It seems my friends are not in such dire straights as I am...and I feel like I lead a double life because of it. I hate the stress. I am ALWAYS worried about money...ALWAYS. I need help and I don't know what to do. Thanks for listening.
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