I feel like i’ve ruined my life
6 months ago i opened a credit card with the express intention of building my credit score. Following some unexpected expenses wiping out my paycheck, and a cut in my hours i’ve found myself 4k deep into credit card debt.
I’m really struggling to see the light at the end of the tunnel.
I make 1.9k after taxes, but next month i’ll have to spend arround 1.3k handling some medical issues.
I want to make an aggressive start to paying it off, but i won’t have enough to get by.
I started a business with my extra free time and turned over 1k profit, i reinvested it in hopes of spawning more growth. Since then the business has made nothing.
I turned 20 a few weeks ago, and every single day i’ve felt a crushing weight. I keep playing with the idea that the only way out is to end it all. This existence is miserable, and i hate myself for being in this situation.
no one knows the extent of my problem, and even if they did i don’t have anyone around me who can help.
no debt consolidation loans will approve me, no balance transfer cards will accept me. I’m drowning in 70% APR. At the time i didn’t care the card was 70% as i had every intention of spending 20% and paying it back before interest could kick in.
i feel so lost. Constantly suffocating, and stuck in a state of perpetual panic.