To start off I am 22 years old and I was kicked out of my parents house when i was 20 years old. I live in Phoenix AZ. At that time and probably a year before that my credit was amazing. I was getting good credit scores and banks and stores were lending me vasts amount of money and I got carried away. So when I got kicked out I had no problem with it because I knew my credit would help me.
I got a mortgage for a house with ease and the rent would be around 950$
What I didn't account for was the utilities that the house didn't come with. I had to buy a washer and a drier and since I was young and foolish I took them out on credit from a store. 800$
I bought a new bed because my girlfriend moved in with me. that was around 900$ because i was young and foolish and decided to take it from mattress firm.
I bought a 1200$ refrigerator because once again I was stupid.
My life was going great and everything was fine I even let my GF be there with me for free since she had just gotten fired and I was helping her find a job since her family didn't want to help her nor wanted her. A year after having the house I felt secure and was making enough money where I could be paying rent and other expenses and have money left over. So I decided to make an impulse buy. You guessed it, a car. Not a new one but a used one from a dealership. 12k in total. 250 dollars a month. but never the less it was a car from the dealership and those are foolish decision unless you are 100 percent secured. 4 months after I own the car and everything working well, I lose my job. I have money saved over so is no big deal. I am prepared for this and my GF has found a job so she can help me. I find a new job, making the same amount of money I was making before so It's no big deal. I am back on track. My GF loses her job again and I help her find new one. She goes back to her family but they only take her money and then kick her out. I help her out to land a new job and now that she is working she needs a ride. she was counting on her sister but the sister never answers so I give her a ride and lose my job, for missing a day of work while being a new employee. She then quits the job because its too far. and we are both unemployed. I cant find jobs that pay the same so I start doing jobs that pay less while I apply online and my GF applies for jobs as well. I cant pay all the bills and I start getting behind. I stop paying for the washer, drier and bed. focus and mortgage and electricity and water. this keeps happening for months. I miss days of work just to take my GF to interviews because her family wont help her. she gets a job. and I'm unemployed again. unemployed for almost 2 months. she only helps me with the rent because she said that was the deal. I stop paying the mortgage just to keep paying for electricity and water. (dumb mistake) but I needed to cool down from this 115 degree weather. I notice she has saved a lot of money since she has been working 50 hours a week. Last week she decided to leave me. After all that I helped her with she left me and said that she had money to do what she wanted to and didn't need me. I'm not blaming it on her because it was all my decisions. I decided to help her because I was hoping she would do the same. Now I am employed but not making nearly as much money as I used to. My car got repossessed. So I'm back with the old car that I used to drive. My house is about to be foreclosed. I am in HEAVY DEBT. my credit cards maxed out. 6k for discover 1.7k for BoA BestBuy has 1K Forniture Store is 3k
I have cancelled every thing I used to pay except for Netflix. I am selling everything I own except my PC. I own a lot of electronic devices, so those are bringing money back. I only eat 1 cup of noodles a day. which helps since they are 23 cents. I stopped drinking and going out so all I do is browse this subreddit and other ones to help me learn to code. I am about to lose everything and I dont know how to deal with it, and the only person who I was counting on has left me which hurts just as much. /r/personalfinance/
I need your help.
Submitted September 10, 2017 at 12:42AM by Imingreatpain247 http://ift.tt/2wPNhZ5 personalfinance
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