[jenniferever]

Oh god where do I begin! To say that I live paycheck to paycheck would be an understatement! I am completely out of control with money. My bank has this thing (if you don't qualify for regualr overdraft protection) where you can get up to $360.00 cash advance if you have direct deposit on your paycheck. Well, stupid me, I got into the vicious cycle of borrowing then paying it back then HAVING to borrow the same money again. As you may have guessed this service is not free, in fact I feel like an idiot because I am giving the bank so much of my money. They charge $1.00 for every $10.00 that you "borrow".

I just want to scream. I can't get out of this. If I even begin to think about all the money they have made off of me , I start to get really angry!

I don't know what to do. HELP ME!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[jenand2]

Try first to stop borrowing money. Then sit down with yur mom and make a budget out . Then stick to budget l;ike it is the bible ok.

(((((((((((((((jenniferever)))))))))))))

wish I could give you advice. My bank account has been frozen,we were trying to pay off a rather large overdraft andwent over it again. I give up. W e are 3 months behind in our mortgage, have credit card debt. since my husband was made redundant from a very well paid job we are now going to the dogs quick.
I sympathise with you. I just bury my head in the sand these days and think, well, tis only money, shrouds dont have pockets and se'll manage somehow.

hugs, Jinny xoxoxoxoxoxoxo

[lenjan]

I got into the same cycle a couple years ago with a payday loan place. I ended up having to file bankruptcy.

I do the paycheck to paycheck thing too. It's just hard trying to support yourself these days, no matter what kind of job you have.

Have you tried a credit counseling place? Sometimes they can talk to your creditors and arrange lower payments. Maybe that way you won't have to keep borrowing money.

Good luck...I sympathize.

Candy

[mydarlin]

We are in the same boat as you that are living paycheck to paycheck...if you want to call it that. I just recently went back to work full time and my husband has been paying all the bills for quite some time....now however we are starting to get behind and no matter how much we try we just seem to be sinking deeper and deeper. Of course I did not know that we were in such dire straits until the other day. My husband manages all of our money because I can not...I get reckless with money and want to spend spend spend. I hope that everything works out for you....

[Direction]

Nothing like shopping sprees...during my ups...I've manage to spend 15,000 in 60 days...that will hurt soon...

It's a toughy to deal with...I was doing so good and then wham...I feel for you...

Doesn't help with overdraft protection...I have heard about people freezing their credit cards so they have to wait for them to defrost...

Unfortunately...I would have a pick in one hand and a blow dryer in the other...or just boiling water....

[trippin666]

I'm an RN w/ bipolar and got fired for missing days of work, lost my apartment, was homeless for 9 months, went into a psych hosp, got into mental health residential living, received SSD, got my own apt near my mom who got dx w/ lung cancer right after my dad died, took care of her and than she died not even one year after my dad died, in my arms. this sent into a downward spiral, depression, spending sprees, owe the bank $995.00. but i just got an inheritance so i can pay the bank off and get a car and put the money into cd's where i can't touch them. i have two roommates and we stick to a strict budget each month. you have to or u won't survive. good luck