opmeTK OP t1_ja56wk3 wrote on February 26, 2023 at 10:46 PM

Reply to comment by BitterPillPusher2 in Drowning in debt and just lost my job. Need stern advice. by opmeTK

My dad dying and me being the primary care taker is how I got into this mess. Over the years it’s just snowballed. I don’t spend anything unless it’s for gas or groceries so I’ve already cut everything out. I just don’t make enough money. My partner works for a big company and works in an office. We send our son to day care.

Definitely trying to find new positions, just been applying to everything and hoping for a fall back.

citydock2000 t1_ja6ic9x wrote on February 27, 2023 at 5:04 AM

What about pulling your child out of daycare and looking for an evening/weekend job? You could potentially share a car then too and put that 3500 toward debt .

lakehop t1_ja5xmtg wrote on February 27, 2023 at 2:05 AM

Call all the insurance companies. Tell them you cannot pay and you want to negotiate down the total amount you owe. Read some articles about how to do that successfully. Then, sell your car and buy a much cheaper car (any chance you can do without a car). Put your previous car payment towards CC3, once it is paid off towards CC1, then CC2. Start working, but in parallel look for a higher paying job.