Can't Seem To Stop Drowning
I was in a relationship for the past three years where I was the breadwinner against my choice and was also a full time mom where I would have to revolve everything around my stepson. I finally got out and am now a single mom to a one year old. I am currently living with my grandmother who thankfully watches my son and let's us live there for free so I am saving money there.
Below is what I owe and what my bills look like. I make $19.25/hr and am guaranteed 40 hours a week and just recently stopped being offered overtime due to business needs.
My advance financial and upstart are because my baby daddy couldn't pay for stuff (even though he has a full time job, that's my bad, I won't make that mistake again)
Dad $1800
Advance Financial $4710 APR 279.5% Min $320/biweekly, behind $2601
Credit One $417 APR 29.24% Min $30
Cawley $445 Min $400
Car Payment $25,270 APR 17.5% Min $600 monthly, behind $2,500
February Paycheck 4th- $563 6th- AF $320 missed 7th- Tmobile $200 PAID Paycheck 11th- $675 12th- Upstart $43 PAID 16th- CC $30 PAID 16th- Cawley $400 PAID Paycheck 18th- $582 20th- AF $320 Paycheck 25th- 25th- Car $600 26th- Upstart $43 29th- Insurance $300
I feel like I can't get out of this rut and being a full time mom its hard to get a second job without putting more burden on my grandmother. I considered letting my car go but with it having 161k miles it's not worth anything compared to what I owe and I will still owe tons on it. My savings is less than $400 and I put $200/week automatically to try have emergency money. If you guys have any ideas please let me know.
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