#credit card debt from my mom? money

[valerian-chai]

Feeling so incredibly sad and hopeless and defeated these days and this time i can’t even blame it on being a teenager. I cant just “grow out of it”. It’s real now…

[strawberrybyers]

realizing i’m so funny and talking a lot and making a million plans right now is not because i am healing for a new year new me era but because i am entering a state of ✨hypomania✨

[just-a-cinnamon-bun]

Guess who’s struggling mentally because of their parents? :D

[roamingbogwoman]

>pays $750 for my little sister to do gymnastics tournaments

>pays $100 for a portable AC unit because my mom's AC doesn't work in her car

>pays $20 for an undisclosed reason this morning

>am now being asked to pay for school supplies

What do I even do here

The one day im home this week, my mom wakes me up to squish my naked butt, calls it meaty, and asks for $20

[encyclopediamorbidica]

Please, for the love of G-d, somebody help me. This is untenable. I get paid 13.75 an hour and maybe make 9 hrs a week if I'm lucky. I tried calling HR and got told there's nothing they can do for me that doesn't involve working at other locations when they need a spare set of hands or destroying my availability and not having any actual dedicated days to see my doctors where I know for certain I'll actually be able to attend the appointment. We have no trash service, no heating, and I have to borrow money from my friends or use my credit card to afford food and toiletries. I applied for food stamps and have no clue if or when I'll get approved, and have already been denied for disability given I don't have a proper paper trail for treatment of my fibromyalgia or my PTSD.

Everyone in our household is either suffering or contributing to the decline in a desperate bid for a semi-normal life under visibly abnormal circumstances. My deadbeat father refuses to pay back the hundreds of dollars my mom and I have spent bailing his ass out and giving him a place to live before he fucked off across the country. I cannot afford to go any deeper in debt and still have some semblance of making ends meet. I am literally on my last legs at this point.

$app

pp

[mousedetective]

Please Help A Mostly Queer/Disabled Homeless Family Pay Off Their Debt?

PAYPAL | AMAZON WISHLIST | KOFI | GOFUNDME

VENMO: @penaltywaltz | CASHAPP: $afteriwake23 | ZELLE: DM me for email address

03/05/24

So good news! We're in a 30-day shelter with a caseworker and help from the City of Encinitas Homeless Support Program to get housing with 30 days. It's a brand new shelter and we're all together in a room with the cats, and they're really eager to help get us out of our homeless situation.

Right now, we have about $1000 in money we can save up each month. If we can pay off the debts that my mom owes that she's in credit consolidation for, that frees up another $187 each month. If I can pay off my installment loan, which is four payments totaling $475, that frees up another $124 a month. I think my mom just paid off a credit card debt, but we have $100 debt that I think has gone to collections, $500 we need to pay on a card before that one goes to collections, and $300 for my PayPal 4 in 4 payments. We also have two payday loans I'd like to pay off before they're due at $600.

So if I can cover all that debt this month, we'll have well over $1,500 to put towards a rental payment in May, if we can get help with a security deposit and first month's rent through housing programs. We might be able to afford a two bedroom apartment in Fallbrook with that much. We'd need to come up with money to move our stuff out of storage as well, but a friend of mine has covered the big units until April 1st and may cover them an extra month if needed.

Any help would be amazing. We are so close to getting out of hotels/our car and into something stable. I'm setting the goal at $3000 for now because I don't have wifi at the shelter and can't check exactly how much my mom owes for her debt consolidation still.

But any extra will help with gas to get to places where we can get things we need (birth certificates, Lena's social security card with her dead name, Lena's psych eval, my mom's dental stuff, and doctor/therapy appointments) and food in case the snafu with my food stamps isn't fixed right away (we get three meals here, which is fine for me and Lena, but my mom is basically still on a soft food/liquid diet and they're still needing to get stuff for her and the gentleman here who has no teeth).

Please help if you can, and please reblog as well! We would all greatly appreciate it.

$2500/$5000

EDIT: We found out today that Lena is currently uninsured. The meds she was prescribed for her mood disorder are $1,500 out of pocket. She needs the medication badly. Please help?

[pastalbird]

Emergency fundraising! (I got scammed)

This is gonna be a long post, so if you don't wanna read all of it, here's the summary:

I fell for a bank scam call while grieving the loss of my grandma and the election results. Now I owe PayPal 900 dollars and have no means of paying it.

I hate asking for money, but if anyone could please contribute with absolutely anything, I'd be endlessly grateful. We're in a rough financial spot at the moment, so this is our only option.

Any donations can be sent to

https://ko-fi.com/pastalbird

About 2 weeks ago, right before those harrowing election results, my grandma passed. With all that was going on, on top of my full time job and other life responsibilities and struggles, I was pretty rattled.

It was then I got a call "from the bank".

They were friendly and familiar, and asked me questions that sounded official, claiming my credit card info had been stolen, and making me go through different steps to resolve the issue.

(Looking back, it's frustrating how obviously scammy this was, but at the time I was under so much stress I truly didn't notice. Or rather I did, but dismissed it as paranoia.)

They had me try and send money through Zelle, where there was a request for 900usd. Since it didn't go through, they tried through PayPal, which also failed. They then told me to not use the account for 24 hours so they would try again the next day.

(Again, I know there were burning red flags, but unfortunately I didn't fully process it until it was too late.)

It got even more ridiculous, as they called the next day, asking me to redo all the steps and even demanding I go to an ATM.

I said I couldn't. They claimed my debit was "infiltrated" and that I had to mail them my card.

It was at this point I told my mom about all this, hung up, called the bank, froze my account, removed the account from PayPal, and changed my password.

I thought that would be the end of it... Until the next day, when I checked my PayPal and found my balance to be -900usd, meaning the failed transaction went through after all.

Another one for 800 was also pending, but luckily I managed to cancel it in time.

Immediately, I reported the transaction as a scam. However, PayPal said they couldn't return my money since "the transaction had been approved" and that "no unusual activity had been detected". I have called my bank once more, but they say it's out of their hands entirely.

We are in the middle of a move, my husband is coming to visit later this week.

We were already very tight for money, since my husband's boss was sick for half the year, meaning he got no work before July. And just last month we had to pay 2000 in lawyer fees for an unrelated issue, so timing could absolutely not be worse.

We do not have the financial means to cover this debt. I really don't know what we'll do now. Normally, I absolutely hate asking for money, but if anyone could spare anything, it would be more than welcome. We'd be immensely grateful.

[radioactive-synth]

update! i finally managed to pay off the debt and now i am free from that bank, hopefully. i thank you all for the help💙💙💙 your help meant a lot to me.

hello. i have to make another post like this, but i need help again.

3 years ago, my mother took a credit card to repair her car and to end debts we gathered due of us being out of work for a few months cause of the pandemic.

since last year, after mom passed away, me and my dad took over to pay the min. rate of the card, but it would take us a long time to gather all money, and it puts a strain on our budget, and winter time is harsh for us.

if you can, please help us out with even a small donation towards my KOFI, as all extra money goes into closing it faster.

i asked my mom's mother, which is the worst person ever to deal with, to help me out, but she never respected any of promises she done to us over the years, not even to her own daughter (my mom). i know she will manipulate me again just cause she thinks i own her for helping me (and my mom) with the credit card.

please do take care of yourselves first, and even reblogging this will help me greatly.

thank you again.

[feral-creep]

y’all i just…. AAAAAH

vent about work and creativity and grief incoming

ever since my mom got sick i had to give up my more lucrative “career” day hustle (video editing) and pick up night shifts at a bar. and like. it’s a college dive bar, so the tips are not great.

this particular dive bar is known around the community as the hardest place to work, and the reputation is not for nothin’:

the average server at a normal place has a 4-5 hour shift and covers 3-5 tables. WE, on the other hand, work 10-12 hour shifts with zero mandated breaks and cover 8-10 tables, many of which can seat 8-10 people at a time.

it is exhausting work that has kept me in amazing shape and has kept my sanity during the grieving process… but it’s undeniably hard as fuck.

and i feel like i’m constantly just treading water, not making enough to fully get rid of my credit card debt and move out of this shithole town… i could make so much more money serving in chicago…

yet i’m never working so little as to be able to actually, y’know, write

BUT. but. the job is not why i don’t create as much. the job is not the reason.

the reason is my own dumb brain and my own dumb shame about not being a “responsible” member of society, not being “where i should be” or “where i thought i would be” at 36 years old.

because that concept? it is bullshit. even though my peers who i used to work with in video are all flourishing, it doesn’t matter—they did not have a terminally ill mother living in bumfuck college town of nowheresville, midwaste! so what if they are now getting deals with HBO! that sort of life was maybe never in the cards for dirtbag little ol me!

and also, since like WHEN did i ever care about being a dirtbag loser anyway? being a dirtbag loser is punk rock as fuck????

i am trying to force myself out of thinking that creative pursuits are a “luxury” that must only be pursued once Everything Responsible Has Been Completed—because frankly i don’t even do that shit anyway!!! lmao (what ends up happening is that i spend 5 hours on social media, 0 hours doing laundry, and also 0 hours writing)

so maybe like, fuck twitter, fuck instagram, fuck frittering away my life 5 minutes at a time trying to convince myself i’m totally going to get up and sort thru the mail, and just. do the things i like doing. because THAT is punk as fuck.

basically i’m coming to the conclusion that i have been flailing around trying to escape a situation i am trapped in by being “responsible”—diligent with my money, a good little worker bee, etc etc—and like, very obviously not succeeding, so i might as well live “selfishly” (i.e. creatively)

when i’m dead no one’s gonna be like “feral creep touched our lives by being so on top of her laundry and having a very organized pile of receipts”

no, no they will not!

i still get comments every week or two from readers about how much [save scum] means to them, and fuck if i don’t want to somehow adapt portions of this story and Lethe so she can resonate with even more people outside this fandom…

after, of course, i finish the fic. lmao.

[brehaaorgana]

This whole process is gonna be a nightmare. My dad did not handle his finances well. The first time I told him he had a problem I snapped and my email included a detailed breakdown of how much money he was spending on wine all the time. (I was rightfully pissed because he was screwing me over but ALSO owed my mom alimony and brother child support).

I know he filed for bankruptcy at least once. He asked for money to go to Ukraine from my late grandmother who was at the time, slowly dying from cancer. He wanted to meet some random woman (scammer, I'm sure). He didn't have enough money to get back home, one of my aunts bailed him out. But he worked a job. Did he spend all his retirement money? No idea tbh! He would absolutely do something like take out loans from retirement funds. He probably had a ton of medical debt. Maybe credit cards. I do know the car was a lease. He rented.

But this is gonna take so much time and work and possibly an estate/probate attorney. 😔

[honeygrandpa]

tw warning: family death and animal injury

this has probably been the worst week of my life. on sunday my uncle had a heart attack on his way home from a trip so i drive from ga to tn to pick up his wife and then 10.5 hours to ia to get her to the hospital before he passed and we didn’t make it time. then i drive her back to tn and stayed with her because she couldn’t take care of herself and she wouldn’t eat (she’s diabetic so this was a real problem) and she didn’t know how to pay her bills or how to live without him. i got back to ga yesterday and then today, my dogs were outside on the chain and 2 neighbor dogs came into our yard off leash. 1 of my dogs attacked 1 of the neighbor dogs and that dog has to have an emergency procedure in the morning to drain the wound. i know legally it wasn’t my fault but i feel so so awful and i don’t know what to do. i don’t have the money to pay her vet bills. with all of the travel with my uncle, im already have debt on my credit card that i can’t pay off. and i have to drive to ia again next week for the funeral and pay for boarding for my dogs. i paid $1000 to a trainer who says they specialized in aggressive dogs last year and she basically told me to not bring them around other dogs. my dogs are rescues and they used to be ok around other dogs but my brother’s dog bites people and made them really nervous and ever since 1 of my dogs bit his dog to keep him away from me, they’ve both struggled with dog aggression. they like little dogs and calm dogs but get really bad around bigger energetic dogs. everything is awful and i really really don’t know what to do. im also struggling to finish my master’s degree and already am taking an incomplete for my culminating project so i have more time to finish writing. i am struggling to get everything done and apply to jobs so i might end up being too late to get a teaching job before the school year starts and i turned 26 this month so i wont have health insurance and i wont be able to see my therapist even though my panic attacks have been worse than usual this year and ive had really awful ones where i cant stop throwing up a few times this year when i used to have the really bad ones once every few years. im overwhelmed, i cant afford to move out of my moms house even though she doesn’t want me here, and im never going to see my favorite uncle again. i cant even afford to take care of these dogs but ive been trying for like 3 years now because they needed a home after being abused and neglected by their previous owner. they’re also the only thing i have in my life that make me feel happy most days. like lucky is currently in my lap, licking my tears. i don’t even want to consider it but should i give them up? i probably wouldn’t make it without them but i really don’t know what to do. should i try to pay for the neighbor dog’s vet bills with my credit card?? the neighbor told me that she doesn’t hold me responsible and that she’ll keep her dogs on leashes going forward but she said this while sobbing with her hands covered in her dog’s blood. i don’t think this week could get worse honestly. ive never cried so much in one week

[smegmafactory4ever]

credit card tip from my mom who still uses a physical checkbook: she deducts the credit card purchase directly from her checking when she makes the purchase to be sure she can always pay the balance at the end of the month and not have to pay interest. i personally don't do that but i do make sure not to spend more than I can pay off in a month.

more than anything, whatever you do, pay more than the minimum payment on it, even if you can't clear the whole balance--only paying the minimum is the fastest way to a debt trap. similarly, it's worth making enough purchases on your card every month to total more than the minimum payment or you're also just giving them free money

I'm starting to get a hang of it but dear fucking God is this complicated... I should just start selling drugs or stealing

[arytha]

panicking about money related problems ⬇️

anyways im super close to a panic attack rn we had bills come in from my dermatologist (which i have a followup appt tuesday. lol) that are way more than we thought they were going to be and we're also 7k in credit card debt (WHICH IS JUST COST OF LIVING. COST OF LIVING!!) which we will never ever fucking pay off we barely do the minimum payments every month we support 4 people on two incomes that make maybe 40k a year and im just. we'ee living paycheck to paycheck whatdo i do. fuck. first instinct is i want to die. being faint and fucking exhausted because of my goddamn period is also not helping hahaha. its still going way too strong for me to be confortable. i want to cry but i have work in 10 minutss

i glanced at debt relief stuff but its all like. if you cant make uour minimun payments and shit like no thats not it i kust cant make the number in the account go fuckign down!! my tax whatever every year for tye last 3 years has compeltely gone towards this i havent been able to afford getging anything for myself (wrong. dont need it its just a want. whatever) for the last 3 years of my life (again this is whatever. at leadt i have an apartment and can eat.) thats 2k a year including my mom's tax refund that we have put towsrds this and it just keeps going up. im going to cry. at leadt we only have one credit card. what is fuckijg life. sorry

[bellybiologist]

TLDR: Verzi Need Money. Here Link for Helping Fill Money Bar with Money Juice. -Ko-fi -Commission form (Open again! Note the price increase!) -Patreon -Paypal.me

Okay! Verzi need money. So! Here's this.

This shitty meter here is just for a bit of transparency (Graphic design is NOT my passion), cuz people like to know where there money is going. This will fill up as with funds from my patreon (money I got this month is already there!), from commissions, and from any tips/extras given by kind souls in passing, and I need to hit these marks EVERY month for like… a year. (This is after fees and such of course, cuz god forbid we don't pay the middle-men their dues.)

I will update this thing as time passes so ya'll will know where I'm at. Reblogging/Sharing is welcome, encouraged, and greatly appreciated!

A bit of info for each section under the Readmore:

-Rent and Bills: The Most Important thing to Keep Verzi Kickin'! I pay half my apartment's now $1368 rent PLUS the utilities, which range from 100~200 bucks, splitting with my aunt who works 2 jobs to make sure she pays her half. Since my mom passed away from Pancreatic cancer in 2021, this has been rough since it used to be split 3 ways.

-Dental Costs: The face bone doctors want my money after drilling holes and pulling out the insides!! My face actually feels BETTER so i'm not as mad as I COULD be about this, but this needs to be paid for the next 12 months. (And they want MORE money to do a cleaning and I almost laughed. Like, no buddy you ain't getting 750 out of me when I don't even have a refrigerator.(See Below))

-Big Purchase+Credit Card bills: It wont pay off ALL my credit card debt, but it keeps me from falling behind. Since the passing of Michael and Fred (my microwave and refrigerator respectively) I need to make some big purchases so my kitchen functions. Michael has been successfully replaced by Mikaela, and we are still looking for Fred's replacement. Ms. Frida, the chest freezer who is literally older than I am (I am 33!!) and STILL functions is holding down the fort while we look for a refrigerator. We can live without a fridge thanks to her constant service, allowing us to keep frozens. Also, like, literally on the 30th of July, Monty the Monitor must've succumbed to heatstroke so i had to buy one of THOSE too for my computer setup. I will name all my appliances to cope.

-Extra+Taxes: Once we get here, I'm in the clear for the month's expenses! However!! Taxes are due in October. I DO NOT know how much that will be, and since the whole Covid relief thing that lessened business taxes ended last year, I MAY be paying for quite a bit!! Anything past this point will be prepping for Taxes AND forming a buffer for More Happenings (God forbid).

===== Rewards??? Rewards!! =====

I considered a Drive like other kink artists in these circles, but I don't like drives for several reasons and those reasons are why I've never done one in the past. Despite that, I STILL want to do something that at least feels like a reward or incentive for people keeping me Alive™, so I'm going to do some simple doodles/sketches, and possibly try to stream those doodles in my discord!

Every 100 bucks past the "Rent and Bills Paid" section (meaning at 900 dollars and onward), I will do a RANDOM drawing from any requests/suggestions from the pool made by people who threw some cash monies my way!

Suggestions can be sent in through Ko-fi messages, Paypal notes accompanying payments/donations/tips, and a Patreon-only post (they are always giving me money, so patrons have access by default!). Commissioners who send in the form can ALSO suggest something for the pool if they like! (there's a question on the form for it) Now, like all requests, it's ultimately up to my discretion on whether or not I will draw something, but I will still try to keep it random and let it be a roll of the dice (or a RNG app).

There is no minimum requirement either! So people throwing only $1 at me, buying only one Ko-fi, or dropping anything bigger are free to offer a suggestion. But please limit requests/suggestions to one entry per person.

Now, as to what these will and can be:

-It will be a simple lined sketch with one color or flat colors. Depends on how many need doing, how I'm feeling when I draw it and how complicated it is.

-It can be up to 2 characters, but they may be less refined compared to a single character one. They can be the same character in 2 different states, or 2 different characters interacting with each other.

-No private requests please! It will have to be something that can be publicly posted and that you're fine with being perceived by others.

-In terms of kinks/sizes/etc, it will be something that you'd normally see on this blog or for my work! Mileage may vary, but more extreme stuff that I'd normally avoid may be glossed over when I'm constructing the pools.

-Unlike commissions, these will not go through a WIP stage/be modified after the fact! They end up how they end up. If you wanna be nitpicky, please use this opportunity to order a full commission!

-You're allowed to suggest OCs as long as it's yours or its owner has given permission to draw them in the context I am known to put boys in!

[femme-dyke-lesbian]

What do you MEAN “just work harder”

I am working the max amount of hours I can work and I still make around $400-$450 week

I live at home and I pay $600 a month in rent.

I have medical debt that became credit card debt (btw don’t do what I did, I got shitty advice) but also needed expensive medical care. I still go to the doctors 2-3 times a month. And I lose my insurance next year bc I’m turning 26.

I am a full time college student running on grants and money my dad gave me for tuition. If I were to work two jobs and go to school full time I would pass out from exhaustion (thanks chronic health issues).

I go to the food pantry every week bc I cannot afford groceries most of the time (I just did a freezer stock of fresh veggies I got on sale and I’m trying to stretch that. Also life hack, find out when the grocery store puts out discount meat. Mine is every Friday, that’s how I afford meat, even the cheaper cuts will feed me and my mom)

I finally have the will to live but holy shit how am I supposed to live like this

I’m holding onto hope that when I graduate and get a job as a medical assistant, I’ll be making at least double what I make now, and that’s life changing at the moment.

I’m stressed about how I’m gonna pay my car insurance and for gas

I’m queer and I’m broke as shit

[mousedetective]

Help A Mostly Queer Disabled Family Get Out of Homelessness?

PAYPAL | AMAZON WISHLIST | KOFI | GOFUNDME

VENMO: @penaltywaltz | CASHAPP: $afteriwake23 | ZELLE: DM me for email address

02/18/24 - New Post

So we were recently blessed with $2,000 to pay bills, get hotel stays covered for the rest of this month/part of March and get food while I wait until the local county office opens to find out why I never got my food stamps. I almost started crying, for real.

I paid off the money my mother owed to PayPal so we can send each other money again (it will take two to three business days for the payment to process, then another day or two for her to regain access to her PayPal account), I paid off/paid down some of the PayPal 4 In 4 payments I needed to make (I've been ignoring them in favor of paying off other things), I got us a room every day from February 28th to March 13th except the 2nd, when we have to go to another hotel (we do that one via the hotel website, and I make sure we pay that one on-site because they charge a $50 fee for anything that might happen to the room that gets refunded after we leave) and I paid off one of my mom's loans down to $21

If we get really lucky, I can take the loan payments we have coming out on the 1st and 3rd and get them paid and not take out any more loans except for my and my mom's MoneyLion ones (I can take those out in increments as needed) and we can get closer to saving up for a down payment on an apartment. But I still have bills to pay. I owe about $500 to PayPal for the 4 in 4 plans still, my mother needs to pay $610 for a credit card bill we thought was under her debt consolidation payment (I'm going to try and add it later, and if they'll take it, then we only need $200 to get it up to date) and we still need to get Lena her glasses (around $150 there, since I pulled out the money for her exam in cash). Plus I will need to get us accommodations on the 13th for the rest of our 28-day stay.

I'm tentatively setting the goal at $2000, which should cover paying off all the bills we need to pay, the glasses, and the later hotel stay. Any help sharing or donating is much appreciated. If we don't have to take out the loans to cover stuff in March we can get the money together in April for a deposit. We're almost there! Thank you!

$135/$2000