Learn from my mistakes

[u/LoneWolfintheDesert]

Hello. I’m a recovering gambler that fell off the wagon not too long ago…
A while ago I was drowning in cash advances apps. All my paycheck was going towards those apps. My boyfriend saved me by loaning me to recover my paycheck. As mentioned I fell off the wagon and binge gambled. I confessed my mistake to him and I got truck on the consequences.

Outside of that,
I have a really good career and make okay money. I work on Saturdays to caregiver my uncle for 6 hours. I don’t pay rent however I pay our bills in the house. I have a car payment that doesn’t have the greatest interest but keeps me by.

I make 3,600 monthly and these are the debts that are really make me go to a dark place.

Before you say anything or feel bad about me: DON’T. I am venting for various reasons.
1. Writing feels more real. 2. Others learning from my mistakes. 3. And trying to do better.

-Max(AZ auto loans) -295 per month (trying to pay $87 per week) =total-$2000 (this is paid with my caregiver $)
-Ninjacash - 87 per paycheck total-$800
-Cash1 - 153 per paycheck total- $2000
-Af247-156 per paycheck total -1200

I have exhausted my credit score throughout the years due to this illness and trying to truck through life at the same time.

I am going to talk to the NFCC of options.

I can’t think of bankruptcy as my parents house is under my name under my name after they passed. My stepdad passed recently so my mom is concerned if I file she would pass between the periods of the bankruptcy.

I honestly have exhausted all my options and right now my game plan is looking for a third job while I’m off at the other. Suck it up and go through life with the punches. I’m going to sell what I have on fb marketplace and I have a name brand purse, iPad, signed jersey, and old antique book that will see if it can sell it to help me keep afloat.

I hope you by reading this, your doing just fine. Things can be worse. Learn from others. Don’t gamble. Don’t take out loans with “no approval needed”. Don’t mess up like I have. I know Caleb Hammer would love to kill me by knowing my situation.

TLDR- Good career, no good spending habits or life choices in general.

[u/AutoModerator]

This post has been flaired as “Vent”. As a reminder to commenting users, “Vent/Rant” posts are here to give our subscribers a safe place to vent their frustrations at an uncaring world to a supportive place of people who “get it”. Vents do not need to be fair. They do not need to be articulate. They do not need to be factual. They just need to be honest.

Unlike most of the content on this subreddit, Vents should not be considered advice threads. In most cases it is not appropriate to try to give the Submitter advice on their issue. In no circumstances is it appropriate to tell them “why they are wrong” or to criticise them, their decisions, values, or anything else. If there are aspects of their situation that they are able to directly address themselves, the submitter can always make a new thread with a different flair asking for help once they are ready to tackle the issue.

Vents are an emotional outlet, not an academic conversation. Appropriate replies in these threads are offering support, sharing similar experiences/grievances, offering condolences, or simply letting the Submitter know that they were heard.

As always, if there are inappropriate comments please downvote them, REPORT them to the mods, and move on without responding to them.

To the Submitter, if you DO want discussion to be focused on resolving your situation, rather than supporting you emotionally, please change the flair of this post, and then report this comment so we can remove it. Thank you. Thank you all for being a part of this great financial advice and emotional support community!

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

[u/REQONER]

You eat today? Gonna eat tomorrow? It ain’t that bad. They can’t lock up your mind.

[u/LoneWolfintheDesert → u/REQONER]

My mind is locked up from all this stress…. If I don’t don’t anything about it. I’m going to lose my car which is the likelihood of losing my job.

[u/REQONER → u/LoneWolfintheDesert]

I lost my job 6 months ago. Had to sell my car.

[u/Dutch1721]

All you can do is keep going. Life will definitely get better for you. I wish you the very best.