Hey everyone... Haven't posted in awhile, I've been losing track of days lately. I can't believe it's almost 2009. After this year, I really hope this next one brings better things.
Things have been so crazy. With moving back to Florida from Iowa and my boyfriend working minimal hours, I've managed to rack up $4,500 in credit card debt with another $600 in medical bills. It just adds up so quick, using the card to pay a bill here and there when I don't have the money or buy my birth control or school books or something.. And now I'm just overwhelmed. It's not the amount of the debt itself, it's the fact that it's spread out over like 11 different bills and it's sooo much to keep track of and worry about
on top of my other monthly bills, and I'm only ever able to make the minimum payments which is just getting me nowhere, not to mention really not helping my credit.
I applied for a personal loan at my bank the other day but it was declined due to "limited credit experience" and not having a score high enough (they require something like 660 they said and apparently mine is under that.)
Do any of you have any advice on how one would go about
getting debts consolidated? This is the only thing I can think of right now that would make it more manageable. If it was just one bill I could pay the same amount I'm making in all the minimum payments, if not more, and get it paid off much quicker and it would be so much less stressful. But I have no idea what to do! I plan on putting my entire tax return towards paying off some debt but February seems like forever away.
On top of it I got a collection notice for a doctor bill I forgot about
so that's just one more thing to worry about
. December is my least favorite month of the year
As if christmas isn't enough to stress about
!! I hope everyone else is doing okay. Thanks for listening to me vent.
Female, 23, Ulcerative colitis (pancolitis) since 1999; GERD; gastritis; osteopenia in femur head & lumbar spine from long term prednisone use...
Lexapro 10mg, Azasan 100mg