I dug a hole - so someone bury me in it
I am in serious SERIOUS EXTREME financial troubles.
Kevin, Lane and I moved in this weekend and things along those lines are going smoothly. Lane and Kev had a great time hanging out last night and Kev kept an eye on Lane while I unpacked some things. BUT I should have done the math way better prior to agreeing to this new living arrangement. I bring home $2244/mo. Add up rent, daycare, car payment & insurance thats, $1308. Leaving me with $936 for bills, gas, groceries. That doesn't leave much money left over for saving or having an emergency fund, cleaning up my credit or paying off these damned payday loans. Pay day loans you ask?...yeah, read on...
I took out a pay day loan many, many months ago. Every pay day I would pay it back then retake it out. One pay day I didn't get paid in time so I had to take out another loan to pay the first loan. Oh then low and behold my car needs work, another pay day loan to pay the other 2 pack since I need to fix my vehicle. Etc And its been such a bad snow ball effect that I currently have 5 pay day loans out. Soon to be 6. WTF - how did I let this happen?!
$4000. That's it. It would clear my credit AND take care of the PD loans. I can't get a personal loan because my credit is in the shitter. And so far the 2 credit cards I've applied for denied me. Probably for the same reason. This sucks. How can I clean up my credit if I can't get a loan to clean my credit which is too fucktastic to get a loan in the first place?! Ugh.
I blame this all on Echo. Seriously. I do, and I am pretty sure I am entitled to. 95% of the bills on my credit are because of him. Whither it be because I had to use my credit to get us something cause his was already crapped on or because he didn't work so I had to use my money to pay all the bills thus being some would get neglected, therefore now on my credit. Oh, lets not forget the $2000 debt on my credit thanks to him not paying rent. Douche bag didn't pay rent, so i couldn't get my name off the lease. Still didn't pay rent so he got evicted. Him and his mooch of a "friend." Back rent, plus first months rent which WAS free since the rental agreement was terminated early, in addition to painting, cleaning and other BS fees. Dipshit can't even get his shit together to pay child support. Update on that...they finally got his new address in AZ but they still haven't served him. Even once they do it will be about 60 days untill I see any of it. There is good news (but I need it now, not in 60 days) he will have to pay 1/2 of child care services in addition to his $225/mo. So that equals out to appx appx 475.00 (depending on how many days in the month there are for child care and if he starts payment on his back due child support...$1575...)
I am seriously considering filing for bankruptcy. If that happens, I can't trade out my van in October and I am pretty sure they would take my car away anyway.
Anybody want to buy my soul? 4Gs and its yours.