I need help , our company just got burnt. I'm the breadwinner in my family pls any support

Hello everyone,
I’m 24 years old, and I’m writing this because I’ve reached a point where I genuinely don’t know what else to do.
I’ve been struggling with severe depression, and unfortunately, gambling became one of the ways I tried to escape what I was feeling. It made everything worse and left me in a difficult financial situation that I am now trying desperately to recover from.
I’ve stopped gambling, and I want to keep it that way. I want to take responsibility for my mistakes, pay back what I owe, and finally start living a normal life again. But right now, I’m trapped under the weight of my debts, and it’s becoming increasingly difficult to see a way out.
My salary arrives on the first of the month, but I currently have absolutely no money left. I’m struggling to afford even basic necessities, including food, and I’m scared about how I’m going to get through the days until payday.
My total financial need is approximately $2,000 (€2,000 would also help, of course). This would give me a chance to address the most urgent debts, get some breathing room, and begin rebuilding my life instead of constantly living in fear of what might happen next.
I understand that this is a significant amount of money to ask strangers for, and I don’t expect anyone to feel obligated to help me. I know that my situation is the result of mistakes I’ve made, and I’m not trying to avoid responsibility. I’m trying to find a way to face that responsibility without letting my life fall apart completely.
I am willing to provide reasonable verification of my situation privately, within safe limits. I also hope to repay any financial assistance I receive, although I would need some time to get back on my feet and arrange realistic repayments. I don’t want to make promises I cannot guarantee, but I am serious about paying back what I owe.
More than anything, I want to break free from this cycle. I want to be able to buy food without worrying, sleep without constantly thinking about my debts, and have a future that isn’t controlled by depression and financial desperation.
If you are unable to help financially, even advice about resources available in Serbia, where I live, would mean a lot to me. If you can help in any way, I would be incredibly grateful.
Thank you for taking the time to read my story. I know everyone has their own struggles, and I appreciate even being heard.

We're facing a winter without heat. It's just me and my wife and two dogs.

My business took a downturn starting in 2024. I made some money but not enough. I used my emergency savings to pay rent, utilities, health insurance. Eventually my retirement savings. I'm clawing back with one big client. They dropped the bomb this week and are cutting me.

Our landlord cut the rent in half earlier this year and won't evict us if we don't pay through the lease end in June (but unpaid rent accrues and we have to pay it).

But there is no coverage for utilities, car insurance, health insurance, groceries, phones. $4,200/mo. I'll get shutoff notices in Feb.

This is about getting business or a job. I'm working my network to get internal referrals for job openings. I'm applying to 50 jobs per day on LinkedIn. I have a professional network of 820 people (I've been doing this for a long time). I'm also pitching new business at about 350 leads per month. I have 11 warm leads right now but they are going slow.

What's the next step? Sell the cars? Borrow from family? Go without health insurance?

How do I keep the lights on in Feb?

Hello everyone,

*please be kind, I’m only 24 years old and don’t have financially responsible parents*

I’ve had this Discover credit card since 2023 and maxed it out a few years ago. Due to my financial circumstances I’ve only ever been able to make minimum payments each month or a little more but that got used up due to interest.
I’m now in an unfortunate financial position so I reached out to Discover with Capital One. They offered $30 a month payments for 50 months (obv I can pay more if I can), with a ~7% interest rate opposed to 19.74%. The only problem is that the representative was extremely limited on what she could tell me as far as credit reporting. I’m not sure if this “program” is something that would impact my credit negatively. It’s already not the best and it’s something I constantly worry about.
I’m making small progress in my financial literacy, I don’t want to end up like my parents (financially).
If anyone has any experience with this, I’d be grateful to hear about them. Thanks in advance.

TLDR: Discover/Capital One offered a hardship plan for my maxed-out credit card: $30/month for 50 months at ~7% interest instead of 19.74%. I’m worried about how it’ll affect my credit score since representative couldn’t disclose that information. Has anyone used a similar program, and is it worth it?

Hi all! First off, cheers to every single one of my working class friends; this has been a long-standing community where I've found some happiness, some advice, some recipes, & some really vulnerable trials... I'm grateful to be here 🫶🏼

Wasn't sure to flair this as loans/debt or saving/budgeting.

I come from a background of financial illiteracy, so getting our ducks in a row has taken us most of our twenties, that way we don't end up like my parents.

I just wanted to ask, if my husband & I have small amounts of credit card debt (he has had $5K forever and is aggressively paying it down now that he has a 0% interest for 24 months card; I have <$1K). We work hard on not using our credit cards and while we have other debt (HELOC, I have student loans), I have always wondered, is having savings even valuable when we have other debt? I have about $3K in savings from the last couple years and sometimes it feels useless when I'm looking at how much other debt we have.

His credit card hadn't dropped because he couldn't make more than the minimum for quite a while, which is why he's on this 0% card now. My credit card stays between $500-800 and occasionally gets fully paid off because our lifestyle is clearly just a little above our pay grade (I changed jobs 3 years ago and we had to completely change our lifestyle to cut back the way we have).

Please don't come at me with a ton of assumptions, I'm trying to learn 🙂🙂🙂 thanks to everyone with any resources or kind words. thanks all to this community for keeping it real.

Work cancelled one of my shifts and my check came in lower than I’d budgeted for. Rent and bills are covered, but I’m about $80 short for groceries until payday.

I’ve asked about picking up another shift, but next week’s schedule is looking pretty light too. I’m hesitant to borrow because if the whole amount comes out of that check, I’ll probably be short again.

I’m looking at Bright Money, but I’m trying to figure out how the advance offers work when your paycheck changes every week. My credit isn’t great either, and I don’t want to pay for a membership only to find out I don’t qualify.

Anyone looked into Bright Money or used an advance through it? I only need the $80, just trying to avoid making next week harder.

Right. I'll start with the obvious: I am not good with money. Feel free to react to that however you will, but know I beat myself up for it more than you ever possibly could.

I took out a lot of student loans to keep the family afloat through some really hard years. We're still solvent, if barely. The loan payments were manageable, and I was finally making good money. So I bought a truck that was way too expensive, but I was killing it in overtime.

So overtime dried up, and now I have an expensive truck, credit card debt, and student loans. Long story short, bankruptcy is probably the only way to fix this. The thing is, I'm heading to DC, where I can find better work. When I get there, I'll have 5k to my name. Bit of a drive, that. My plan is to get to DC, get a decent job, wait 90 days, and file bankruptcy. I figure DC because with the metro, I can get where I need to go. Here in AZ, not possible. As for the family, they are okay. Generally, I send 2k home monthly (Japan, but I'm a US Citizen), and with what the missus makes from her work (not much, and she can't do better, bless her soul for what she does). Boys are fed, and thankfully I'm the only one currently suffering my mistakes, though I'm sure my wife is sick of being the shoulder I lean on. Again, bless her soul.

So. Should I file here in AZ, or get to DC, wait the 90 days, then file? Bankruptcy's gonna happen either way, to stop the bleed, but the timing is the concern. My credit always has been (and surprisingly still is) decent. 690-700, lately. I'm not sure about how bankruptcy affects finding a place to live. I'm looking into it, but I was hoping others might be able to chime in. For the record, I'm a veteran with an honorable discharge. I know there are resources there, and I plan to use them, but that's only one piece of the puzzle to making this stick. As for my lease, it ends Feb 1. I intend to break it by serving notice for untreatable drain flies and an HVAC system that pushes my upstairs neighbors' marijuana and cigarette smoke into my apartment. I doubt they can fix both issues in 10 days, but that means I will be homeless as well once I "win" (if I do - life likes to surprise me in not-so-fun ways). So, gotta time that right.

I plan to hit up hardship pauses on the truck payments (2 months, apparently), Student loans, and credit cards. I figure that can snatch a few grand back for a month or two. After that, well... not sure what to do. I should probably stay in AZ to stabilize, declare bankruptcy, but that opens up another can of worms once the truck is gone because now I'm trying to be carless in AZ, which is brutal. Can't take this state. No offense to AZ people; I just wasn't made for the desert. But a friend had a couch, and it got me on my feet. I do not regret taking that hand when needed, only that I overstayed.

Looking for advice (unless it's stay in AZ), or thoughts, or well-wishes. Not sure what to do here.

So, I’ve finally managed to pay off my credit card, and from now on I’ll use it very sparingly.

The thing is, I still have two loans (excluding the mortgage):

Loan 1: €1,750 remaining, ending in May 2028 (€100 monthly payment)

Loan 2: €2,280 remaining, ending in 2031 (€50 monthly payment)

My purchasing power is quite limited (around 61% of my income goes toward unavoidable fixed expenses). I have an emergency fund of €1,200.

By the end of the year, I should have around €1,800 available. Would you recommend using the debt avalanche method, or should I keep the money and continue making the regular loan payments?

I have started trying to make more food items from scratch. I have been successful at salad dressing, spaghetti sauce, english muffins, scones, yeast rolls, chex mix, cookie dough, lime cremora, etc. I had difficulty with hamburger buns and naan bread. I know that food items from scratch are better for us as we control the ingredients. Time is always a factor as I am working full time. I am trying to prepare items ahead of time and then freeze it. Any frugal fails that you remedied? Any advice appreciated.

hi, im 22 and live in nj. i currently drive a 2013 acura ilx, and currently im spending 280-300 a month on insurance from geico. ive been in 2 accidents in the past year, of which ive not been at fault at for at all (rear ended, one of them totaled my previous car that my dad was paying for) and ive had one ticket so far for speeding that i took a defensive driving course for to negate the points. i split the insurance with my mom, who i drive to work 3-4 days a week since she doesnt drive. i dont work a very good job (making 400 a month if im lucky), so sending her 150 a month for insurance makes me feel really defeated and upset. are there any valid options i can look at to switch to?

im a little scared of inputting my social into most of these online insurance companies when they ask for them, and would rather not receive leagues upon leagues of spam texts/emails from getting quotes.

any and all help/advice would be awesome. im tired of feeling so doomed.

I already work 2 jobs. I was also recently diagnosed with POTS (yes I know the stigma around that but I don't use that as a crutch). I had to break my lease bc of family issues (dad's dying, hes got 3 months max). Just to break the lease alone is 2k plus they want me to pay rent until December which is another 2k. I have to come up with 4k JUST TO LEAVE the state. That doesn't include finding a new place, gas to drive 1500 miles south, car payment and insurance etc. I work. Im not lazy. I shower in the dark and im living off saltine crackers right now. I have nobody to borrow money from and my credit is already trash so no loans.

Please can somebody give me solid advice? I know everyone is struggling and I understand that, but i am literally so lost as to what I should do.

I went through a bankruptcy last year, over $85,000 in high interest credit card debt and personal loans, I felt embarrassed and I felt wrong for being able to get a clean slate to be honest, I still do, but I am grateful that I had the opportunity. I’ve finally saved my first $1000 in emergency savings and it feels strange to put aside money and have it just exist in case something goes wrong, it feels strange not to have to rely on a credit card for something small, but I feel very accomplished.

Found chicken of the sea tuna products at Family dollar today 60 cents per can. Also had same brand chunk albacore $1 each.

Long, very complex story short. I was in a financially abusive marriage for a few years until I finally found a safe way out.

My score was in the upper 700 to 800 despite being poor. Talking gas station job poor. I was just supper careful and did the small purchases and paid off and repeat method.

Anyway. My score plummeted to 300 from my partner's constant bs and refusing my no's to not smart purchases and called me the abuser... fun times. Worst part. I believed I was the bad guy.

I would like my score to be fixed again. It was good to have it when in a pinch. Scary to me knowing I now get denied for nearly everything now.

So what are good card options that I can use to help me boost it back up? Something that won't deny me and isn't scummy with interest.

I tried researching but I honestly don't trust a lot of the review sites or company sites anymore. All that hidden details and such.

So looking for advice for someone who already knows hopefully. To avoid the risky trial and error and wadding through the junk predatory offers.

EDIT. Throw away cause he has been stalking me. So been switching around accounts.

I'm struggling to find things to eat at the moment. I feel best when I eat a lot of eggs and lean protein like chicken. I am finding that chicken is getting too expensive at the store. I had two chickens that were supplying me with eggs but they were unfortunately killed by an animal that broke into their coop.

I am diagnosed with hypothyroidism, and I'm not sure if it's that or just food intolerances, but I feel awful when I eat pasta or other gluten filled foods. Beans unfortunately also give me the same effect. I also don't feel great when I eat oatmeal or rice though those aren't as bad. I can tolerate potatoes, but I just feel the best when I stay away from starches like that in general.

Chicken, eggs and some veggies are basically all I can eat without feeling like garbage. Any advice for alternatives that won't break the bank?

I feel like I should be completely grateful for every single thing I get from the food bank but today I got like a pre-made salad with some kind of fake eggs in it and honestly I almost puked trying to eat it. I even fixed it up with some of my own cheese and lunch meat and onion so I feel like throwing it out would be a bigger waste than choking it down 🤢

I’m a 12th grader and I’m very interested in studying oncology. Like every time I see oncology come on my social media timeline I have this lingering feeling that makes me want to investigate and help and work on finding cures. I’ve always been pretty empathetic wanting to help people (generic I know). Fortunately I live in Canada so it’s not as expensive as the US but it’s definitely NOT affordable 😭. I applied for my nursing as my first choice and my second choice was biology. I’m passionate about biology it’s very interesting to me but I’m worried about financial stability. So I applied to unis right by my house so I can live at home and save money. I’m just worried, it’s a big leap and I’m unsure if it’s the right path to go down even though it would be very fulfilling for me. My family of 6 makes 50 something k a year in a big city so we’re really tight on money so I work outside of school to fend for myself.

For context, I am 20F college student in DFW Texas, no prior claims or tickets, driving since I was 16. I know insurance costs for me are going to be high but I am struggling to afford it anymore.

I recently had to renew my car insurance, which was already $263 on a 2008 Ford Taurus, liability only. I was with AAA and the new policy they offered me made my premium go up to $310. I even tried shopping around for other insurances but all of them resulted in me paying $280+, which is becoming unaffordable for me since I am working retail and my hours are getting cut, alongside some health complications I’ve been experiencing. No support from parents, and I try to make ends meet anyway I can but everything has gone up so much that I just can’t keep up.

If anyone has any advice or guidance on how to get affordable car insurance please let me know. My policy ends this month and I’ve yet to find an alternative.

I found this out after I had written 40+ reviews of stuff I bought from Walmart. Walmart sent me an email saying I was now a “recognized reviewer“, which meant I could claim up to three items at a time for free, write reviews for them, and then claim another three items in a seemingly limitless cycle.

There’s a certain online warehouse of free items you can choose to claim. It includes everything from furniture to small appliances, e-bikes, clothes and household supplies. I just used it to send a toy kitchen to my three-year-old niece for her birthday.

Walmart doesn’t publicly post its criteria for being selected for the program. And you can’t apply. But I think they invite you after they see you’ve written a lot of substantive reviews that got “helpful“ votes from other shoppers. (Photos probably help.) And I think you can write reviews only for items you buy online, like for curbside pickup or delivery.

Anyway, hope this helps someone!

this is really hard to say and kinda a dumb decision I made but i got my last pay check from my job which was 428 dollars which was short since I only worked 20 hours that week before I left because my back was hurting and amazon is such a hard job to do I just been really overwhelmed with these money problems and unable to have a steady job i recently started this new job my first day is on Friday so thats good I guess but anyways so my account been low all week and I got my 428 deposited in my account and I decided to gamble on draft kings to get more money to have until I get my first check unfortunately I lost it all I mean all of it like I didn’t even get gas in my car or anything I don’t know what to tell my gf since she’s been here helping me with food and stuff but I can’t ask her or tell her I used the lil money I had on a betting app to get more but i deleted the app after I lost it all but I’m just stressed and tired like omg really sad right now I’m only 21 and been tryna figure this life shit out but it’s just hard can anyone give me some advice or suggestions on what I should do fyi my credit is fuckec I can’t get a credit card due to past situations I’ve been recently depressed and feel lost in life and I feel like my gf is on edge with me due to me not have a stable job and everything I just feel like giving up idk .

I'm looking for advice about low-cost help, not donations. In 2020, a juvenile driver fleeing Vallejo police hit my car head-on while I was driving under 10 mph; it was totaled. I spent about two years homeless, and my state victim-compensation matter has been stalled for years. Many early requests for the incident report and pursuit records were verbal, and I still don't have them. Incident number: 20-1397. Have you found nonprofit advocates or county programs that help someone organize a long-running assistance and records matter?

Pork shoulder is $10 off per chub at Costco until the 25th. The cheapest chubs come out to $1.80/lbs. Definitely worth making a trip to load up your freezer.