I have never done something like this so public before.
Let me start by saying, I don't think my situation is critical like a lot of the people who need help here. My heart goes out to you all right now because I know how it is. I've known how it is to struggle for most of my life. I'm usually too proud to ask for any help but here goes.
I am a single mother of a 10 year old wonderful boy. He is the light of my life and I do everything for him. But he is not the reason for my financial predicament. I have a pretty stable job but the pay barely makes it. I have benefits and I've been there for 8 years. I hate it but it pays some of the bills. I am in my current financial crisis because I am a horrible manager of my money. I have no savings to immediately get to in times of crises. I live in a great neighborhood so that my son can go to a highly rated school and so that his pick up service can get to him and I can get to work 20 minutes away. I've designed my whole life around my son you see. But with better neighborhoods come higher rent prices. Most of the three years that I have been here, I have been able to take care of my rent. But this month I am $600.00 dollars short. I live in a one-bedroom apartment that rents for $853.00/month so that he can go to his current school.
I choose to buy school clothes and supplies for my son for the new school year and prepare for an oncoming possible hurricane here in Texas. Usually I don't buy any new clothes unless I absolutely have too. I don't have it in my budget to do so. This left me with a deficit and with my pay, it doesn't take much for me to go into the negative. Now I'm in big trouble and I don't know if I can pay double rent next month to cover this month's and next month's rent plus late fees.
This isn't the only bill I am late on but it is the most important as of right now. I am late on others, i.e. car note, lights.
I am not a horrible person and I do intend to pay all bills I have in arrears as soon as I can. My mother used to ask me why I couldn't manage my money. Now she is out of a job and I have to help her. Plus she is raising my nephew because my sister walked out on him and I have to help raise him too. The problems keep coming and there never seems to be a break, a breather just to at least break even. Things aren't meant to be this hard are they? This is absolutely depressing! My son, my family doesn't deserve this struggle. We all don't. It's not fair that I work 10-12 hours a day and some weekends but get the same pay and the struggles just keep on coming. I pay my taxes, I go to school, I've realized my mistake in having a child out of wedlock and have not had more to futher complicate my situation. But when does it EVER END!!!!
Sometimes it just doesn't seem worth it to wake up anymore. WHY?!? I don't want to be here if it is this hard. I just don't know where to turn. Help me please?!?!
Words of encouragment, let me know it will be alright and this too shall pass. Tell me it will all get better and I will see a financial breakthrough. Tell me I won't have to think about getting groceries for the month because another creditor is knocking down my door and it is too stressful to even freakin eat! I don't leave the house, I go days without caring for myself, I have negleted to care for my family like I should, my house is a mess and my life is in shambles.
Please anyone help me....
Thanks for reading my post. To all of the other other posters, I hope you all could be helped.
Kymom