I am very depressed right now. I have been living out of my bedroom. I looked at my funds and saw that I spent a few thousand dollars that I shoudn’t have. The money I have left from my line of credit is all I will have for the foreseeable future. I have a home equity line of credit that is supposed to be used only for home improvements. I have been using it for other things. I did get the living room and hallway carpeting replaced. I already have the monthly payments up to $300. This is all I can afford to pay for this. I do not have any money for a car, therefore I cannot hold down a job.I need to hold down a job for I really need the money.

Otherwise, everything is OK.

PS The home equity line of credit has insanely low interest rate and monthly payment. I also used it to consolidate my debts. But if I spend it mindlessly, like during a period of mania, I can end up where I was before the loan However, this means owing $50,000 instead of my previous debts of $12,000.