Work was slow so I left to go home early because they didn't need me and they gave me the option...well for a couple of weeks I worked only 20 hours and now I am so far behind in my bills and I owe so many people money I don't know what to do! I screwed up so bad. I don't want to ask anyone for the money because my mom will hold it over my head...I keep getting overdraft fees but luckily I am with a Credit Union and only get overdraft fees when something cannot be paid. Its almost Friday and I get paid weekly but because the overdraft my check will be less. I have started to work 40 hours again. Tell me what to do! I have Canceled things that I really do not need. I am worried about my Credit Cards. I tried to make a payment one week and got a return charge because there was no money to pay it. PLEASE HELP ME!! I am so desperate. I know this is a bad way to come back since I haven't posted since July 2008. But I need help!!!
Oh I am such a Screw up! :( ADVICE PLEASE!
June 11th, 2009 at 10:58 am
June 11th, 2009 at 12:22 pm 1244719341
Take some things into a pawn shop as a temporary fix?
DO you have a credit card you could charge some bills to and then work your a$$ off to pay back?
and start working as much as you can now, do your full 40 hours. you don't want your work to think you dont need the hours and cut them permanently (i know it's a cliche now, but 'in these times' it's possible).
June 11th, 2009 at 12:24 pm 1244719440
Your priority is to pay your rent/mortgage and utilities.
Go to your bank and ask for a small loan or Line of Credit. Explain what you need it for and show them your last paystub as evidence that you are working 40 hrs/week now. This will consolidate your debt as you will use it to pay off the credit cards.
Then make monthly payments to pay down the loan, and put a tiny bit aside for an emergency fund because you don't want the same thing to end up happening again.
If the bank doesn't give you a loan, you will have to ask your mom for help. If you borrow from her make regular repayments to her so she can see how responsible you are.
But think positive when you visit the bank. Good luck and let us know what happens.
June 11th, 2009 at 01:43 pm 1244724237
However, in the future, I think you will want a much bigger cash savings to buffer against contingencies like this.
Please hang in there.
June 11th, 2009 at 02:45 pm 1244727942
June 11th, 2009 at 03:12 pm 1244729536
YOU ARE NOT A SCREWUP...
Just listen to the great advice here.... you WILL be just fine ! :-)
June 11th, 2009 at 03:40 pm 1244731227
June 11th, 2009 at 04:52 pm 1244735569
Your profile speaks of a partner. Is this person a partner in the sense that you two back each other up financially? If you are legally responsible for one another's bills, perhaps partner would want to help out before the bills grow bigger from interest, penalties, etc. If partner takes responsibility for your child, maybe they could pick up childcare expenses while you get caught up on other bills. Sorry, if this doesn't apply.
June 11th, 2009 at 04:53 pm 1244735593
June 11th, 2009 at 09:13 pm 1244751229
September 25th, 2009 at 02:04 am 1253840679
October 25th, 2009 at 03:48 pm 1256485716
work ur a$$ off get it all paid off. got extra crap you don't need ? sell it kijiji, ebay and pon shop. and as much as your mom might hang it over your head maybe it's could be a last resort. make a list and cross stuff off as you pay it off. You'll make it. Promise