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Old Mar 19, 2018, 02:03 PM
justafriend306
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There are options to moving out including room mates and group situations.

As for saving your money. Make a budget and track every single expense you make. Seeing the extent of your misspending may make it easier to restrain yourself. Stick in envelopes the money for those things you must pay including rent. Put them out of sight. Put the remaning money in a jar. Once the jar is empty you are done for the month.

It is possible to consolidate your bills and debt into a better payment plan. Many consolidation companies are free and run on a volunteer basis. They make calls to your creditors on your behalf and negotiate better terms. In some cases they can obtain for you a consolidated loan where you would actually pay a single bill at a substantial reduction.

How , by the way, are you being held accountable for your misspending currently? Who is making up for the shortfall? How are you managing to miss paying for rent? I am guessing there is someone enabling you and that is part of your problem. Either they have got to stop enabling you or you need to remove yourself from the situation.