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Oh I am such a Screw up! :( ADVICE PLEASE!

June 11th, 2009 at 09:58 am

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! Frown 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!!!

11 Responses to “Oh I am such a Screw up! :( ADVICE PLEASE!”

  1. whitestripe Says:

    Sell something on ebay?
    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).

  2. waterfall Says:

    You are not a screwup. You are a responsible person who just needs to get back control of her finances.
    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.

  3. Broken Arrow Says:

    I don't think you screwwed up either.

    However, in the future, I think you will want a much bigger cash savings to buffer against contingencies like this.

    Please hang in there.

  4. campfrugal Says:

    I agree with the rest, your not a screwup. Sell something on craigslist or e-bay (but ebay has fees). I know our credit union makes loans up to $3000 at a competitive interest rate, which is a good option for you. But, you need to sit down first and put everything on paper, what you owe, who you owe, overdraft fees and a cushion in your checking, so you know what to borrow. Then start working as much as you can and get things paid off. You also need to start putting something in a savings account everytime you get paid for future emergencies.

  5. Apprentice Bliss Hunter Says:

    Best Wishes from Ireland !

    YOU ARE NOT A SCREWUP...

    Just listen to the great advice here.... you WILL be just fine ! :-)

  6. north georgia gal Says:

    Consider it a lesson learned...we have all been there(I am still there from what I consider a screw up!) All you can do is realize what happened and look to the future so it doesn't happen again. You might have to swallow your pride and ask your mom(I feel your pain there as well!!) But if you pay it back, she will have nothing to hold over your head.

  7. Joan.of.the.Arch Says:

    You will need to keep up with how much money goes into your checking account and how much is coming out every time you write a check. You need to know how much money is in there so that you do not keep staking up overdraft fees.

    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.

  8. miclason Says:

    ((hugs)) Been there, done that!...most of us have... You can make it, you really can... (no, it won't be easy, and it probably won't be pretty, either)... Definetely, look for additional income streams...

  9. LuxLiving Says:

    Care to list specific bills vs. income so we can maybe point out a more direct pathway w/the least amount of bleeding from interest, latefees, overdrafts etc.?

  10. LuxLiving Says:

    How are you doing Jacquelyn?

  11. Maddibear Says:

    your going to be fine.
    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

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