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Originally Posted by Purpletulip26
Thank you to all for the advice. I greatly appreciate it. The main problem I'm having is that I simply do not make enough money to cover my expenses. When I get paid, I have to choose...do I put this money aside to save for my rent or phone bill or student loan payment OR do I put gas in my car & buy groceries?? This is the main reason I overdrew my bank account by so much. I never have enough money for anything so, I'm constantly having to pick & choose on which bills to pay. Do I buy groceries or do I pay the electric bill? Do I fill my gas tank so I can get to work or do I pay the water/sewer bill?
To set up a payment/financial plan with my dad or anyone at this point seems like a mistake for fear that it's just another bill that I can't afford because I don't have enough money coming in.
I've been going through my monthly bills to see where I can cut back & honestly, I've done what I can. My only other option is to move into a cheaper apartment, BUT I have 6 months left on my lease. I've asked my landlord if I can get out of it without a penalty & she said, "no".
I've considered getting a 2nd job, but the job I have is scheduled differently every week. I'm simply exhausted from all this. I cannot live the rest of my life like this. It is killing me in every way.
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maybe you can apply for your states welfare/foodstamps/medical insurance plans.. with the new federal law stateing all americans must now have insurance coverage the state social service programs have had to change their standards so that even those that work can get welfare services if needed....
here is a link to the social services/ welfare program for the location on your profile.....
Missouri Department of Social Services Home | Your Potential. Our Support
just select the county you are in for food, healthcare family slot and it will give you the location of your social services agency, contact information and an online option if you would rather apply online.
I know many people don't like taking welfare because they think its charity but its not really charity, if you have or are working then a percentage of your income goes to the state which means you have already been putting money into the welfare program. Some of that money, foodstamps and health coverage you will be receiving is from yourself and all that money you have been paying in over the years through state taxes and other state fees taken out of your wages.
my suggestion give it a try, even if its only 25-50 bucks in food stamps you end up with thats 25-50 bucks cash you have that will be now for you to use on your bills and you wont have to make the choice between paying bills vs other things. you may even be eligible for a cash grant and medical coverage to boot.