Those dang payday loans are just a virtual shovel to dig deeper into the hole. My daughter learned that the hard way as well.

Try writing down everything on a piece of paper and leave space for notes. Drink some coffee and get yourself in a resourceful state of mind. Get a friend or family member with you who is resourceful and go over each item on the list. Prioritize them and talk about options for handling them, such as getting second hand clothes, etc.....

I hope you manage to work your way through all of this and get things to a better place. (((hugs)))

I had the same thing happen to me..as in a person who was helping out a caseworker had left and I hadnt been informed..I think I hit my head on their desk when I found out..I didnt but felt like it so I have total understanding of youre frustration ..I felt so down I was trying to hold everything together but it felt like I was a mouse surrounded by cats..I missed a payment on my mortgage and they sent someone from the company who kindly wanted to charge me 120 to help me fill it out..with a guy on the phone tormenting me about I was being sent to reposessions because I couldnt answer him about my income and expenditure..I sat there with my head in my hands..I had a routine appointment at my doctors and just sat in front of him and burst out in tears reeling off my list..he gave me good advice..he said some things we can deal with some things are out oure hands for the moment and if you reel off the list you will get overwhelmed and loose youre coping skills..true..I couldnt be knocked any further..Im not going to stress that the road was easy its been struggles and knocks..I can say looking back from now I really dont know how I found the strength..loosing a close friend..having been diagnosed myself with a rare conditon ..no money..no food..no job..Ive learnt alot about myself..I did what was needed to be done..some of it has been guardian angels..some of it has been myself picking myself up..I had a call from the mortgage company and the person who I was speaking to I begged them to have faith in me..to give me a chance..the jerk before was an asshole but the next one different person..the jerk seemed angry when he found out I had my file on someone elses desk..this other person had given me his extention to only speak to him.I found three jobs because of being so sick I worked but rested in between..I have had some near misses ..you just find ways to survive..

Three years ago, I found myself in a similar mess when it came to those stupid payday loans. I can't find any better classification for those type of loans, but stupid. They charge so much interest, it's unbelievable. The best option is to prioritize and attempt not to get overwhelmed. I understand it's hard, but just take a breather and handle it one dept at a time.

If you're eligible for bankruptcy, then I'd probably take that avenue. That's only if you're way over your head and there are no outs. Try to negotiate with all your bills and understand that this will take some time.

My heart does go out to you and it's sad to read about your current situation.

Prayers and (((hugs)))

I'm so sorry Nia. I have felt that way about my life too recently. You think you can't possibly handle One More Problem!

I heard Joyce Meyer say the other day "growth always hurts."
hmm. true. but painful.

Here are some thoughts that might help you a little bit.

Try Goodwill for $1.99 clothing for your kids. That has been a lifesaver for me, I know. I can't keep my kid in clothes either. This morning he announced that his biggest shorts are now too small, which leaves him with zero pairs. great.

If you re on assistance, you and your fianc might qualify for free state transportation to the doc appts. I know my sil does. She lives in PA. She just got set up and has to call at least 24 hrs in advance, but it's free.

When food gets low and money is tight, I have this backup plan for feeding my family, during hard times: buy dry rice and dry beans in bulk, buy frozen spinach. at aldi's if possible. all are super cheap and provide the nutrients and calories you need until your check comes.

Praying that things get better for you!

Go around your home and see if there are things you could put together for a garage/yard sale. Be honest with yourself and know that since you're in a hole, do you really need all those clothes, shoes, handbags and could they go to the yard sale. Anything to make money.

Do you have a room that you rent out? I had to do that when money was gone.

If you don't already have a job, you may have to consider getting one or even getting a second job. It is not what you want, but it could help you bring in the extra money you need. Many of us had to work while going to college and my ex husband went to college and worked two jobs in order to keep going before I ever met him to help his mom out.

If your fianc has lymphoma, he could watch the kids while you work. If he is living with you, how is he contributing?

Good luck concentrate on things you can do to work this out. Hugs.

Call 211 get referrals for clothing that's free or low cost and help with bills etc

Check with your local churches to see if they have food pantrie and what day of the week its on.I go to these when money is gone for food and it helps.Food is not great but will get you thru some tough times.The churches around here also will sometimes have clothing.Now that the weather is starting to get warm,many people having yard sales.you may find clothing there too or as another suggested,have your own yardsale.i'm considering doing this too.It's ok to vent..:)

Thanks, Everyone for your suggestions. I am going to food banks whenever I have the gas for it. I tried to find doctor offices that are within five miles of me for my family's medical needs.I don't have anything for a yard sale. To be honest, I barely have anything in my house. I considered getting a job, but I cannot find one that I can work with my limitations. I am praying that moving back to hometown where the cost of living is cheaper will help us. I just need prayers. GOD will fix my situation.

Nia,

I would second the suggestion you should declare bankruptcy. It's kinda like the 'surrender' an Alcoholics makes in Step 1 of AA.

Speaking of which, have you tried Debtors Anonymous?

Hi Nea, thanks for sharing. I do believe God does miracles. I will certainly pray for you. It sounds like you have faith which is most important.

praying for you....I know it gets hard, but God seems to open doors when you least expect it. Do you live close to a bus route? In ky we have something called medicab through the bus company. You get a paper by calling the bus company to fill out and have a dr sign it, send it back in, and they will give you a card to use for free rides to dr appointments, or anything medical. You just have to call them the day before. Hope this helps, pray and keep the faith!

Also try a direct selling business. Selling things from a catalog and it gets you a percentage sometimes up to 50% of your sales. And they also have ways you could earn trips, rewards even free products. It's not the best way, but I have witnessed people with disabilities, livlihoods improve. And you get to pick your hours and how much you want to work. Just depends on what company you choose to work for. Some have certain quotas you have to make before the end of the month.
Just a suggestion. I hope things improve for you.
((((hugs)))))