u/Daisy_of_the_Host

I currently have 2 predatory loans that are completely draining me.
One from Uprova and one from OPPloan.
The APR for Uprova is about 350% and OPPloan is almost 200%

United settlement contacted me and it sounded incredible. The next day, I realized what it actually is and there could be lawsuits and my credit score could be severely affected.

I was so desperate to get these 2 loans off my back that I may have gotten in another situation. The monthly payments seem more doable and I get it’s a legitimate company. But I have to stop payments and that could affect my already suffering credit score

The total between those 2 loans is about $4900. So it’s not INSANE, but with the interest and if I just pay the scheduled payments, it’ll Triple what I owe.

I was also just denied a bank loan so I just don’t know what to do and if I got myself in a worse issue.

I’ve discerned religious life for a couple of years and I don’t believe God is calling me to religious life.

I’ve gone on dates and I don’t feel called to the vocation of marriage.

I am discerning with a 3rd order and that has been my greatest joy in the world.

I guess I expected I’d get married and nothing has come from that. Not saying that means I’m not called, but I don’t know. I sort of come towards acceptance.

Wondering if any other ladies have felt this way too?

Yes I was stupid to take these loans out. Ive made very poor financial decisions the last couple of years and im really trying to make it right.

I have a loan from Uprova which is $2400 and OPPloan which I believe is $2000. The interest rate is destroying me. I have other bills and such I need to obviously pay off. Once the due date comes around for these 2 loans, it’s just awful and I literally don’t have any money.

For OPP loan it’s $100 a week and uprova it’s $325 every other week.

I just contacted a non profit agency to possibly help me because I absolutely don’t know how else to pay this.

I’ve also stupidly done Klarna a lot and they all hit at one single time which also makes this difficult. I’m trying so badly to get it all together but I just don’t make enough money per week to do it all.

I regret all these horrid financial choices I’ve made.

Yes I was stupid to take these loans out. Ive made very poor financial decisions the last couple of years and im really trying to make it right.

I have a loan from Uprova which is $2400 and OPPloan which I believe is $2000. The interest rate is destroying me. I have other bills and such I need to obviously pay off. Once the due date comes around for these 2 loans, it’s just awful and I literally don’t have any money.

For OPP loan it’s $100 a week and uprova it’s $325 every other week.

I just contacted a non profit agency to possibly help me because I absolutely don’t know how else to pay this.

I’ve also stupidly done Klarna a lot and they all hit at one single time which also makes this difficult. I’m trying so badly to get it all together but I just don’t make enough money per week to do it all.

I regret all these horrid financial choices I’ve made.

I I really need help with finding a hair salon that ACTUALLY knows how to do hair.
Every time I go to a different salon, the stylist tells me everything the previous stylist did wrong. Then they fix it, then I go to another one and they ask me what happened.
It’s really really frustrating. I have pretty thick hair and it’s curly. I just want to be happy with my hair cut for once lol. Thank you.

I was recommended this subreddit. I feel like such an idiot and the biggest loser. I’m 33 and I was never taught how to manage my finances. I have zero to show for my work. None. Because the moment I get money in my hands, I spend it. Without me even realizing I’m doing it.

On top of that, I’ve taken out loans that have a 130% interest but I had to because I had zero money to pay for my bills. It’s with opploan and uprova. It’s been horrible.

I’m in $15,000 worth of debt and I keep digging myself into a deeper hole.
I’m making a budget right now for the 200th time and every week I go right back to having $100 in my account because I have so many loans I have to pay off. And I’ve done so many pay later options that when they come around, it all hits at the same time and there goes $300.

No scolding please. I’m already really really down and I don’t know what to do. I just want to be financially capable and be a functioning adult.

I make around 4,000 a month and I just cannot get it together.

I’m not using any pay later options since I’m trying to pay it all off right now. It’s at $1,500. I also give my mom money each month because she’s struggling too. So by the time the end of the month comes around and I give her what I owe, I have nothing

I want to be an adult. I want to live on my own (living with my mom now). I want to just get my stuff
together and I just don’t know how to do it.

I feel like such an idiot and the biggest loser. I’m 33 and I was never taught how to manage my finances. I have zero to show for my work. None. Because the moment I get money in my hands, I spend it. Without me even realizing I’m doing it.

On top of that, I’ve taken out loans that have a 130% interest but I had to because I had zero money to pay for my bills.

I’m in $15,000 worth of debt and I keep digging myself into a deeper hole.
I’m making a budget right now for the 200th time and every week I go right back to having $100 in my account because I have so many loans I have to pay off. And I’ve done so many pay later options that when they come around, it all hits at the same time and there goes $300.

No scolding please. I’m already really really down and I don’t know what to do. I just want to be financially capable and be a functioning adult.

I make around 4,000 a month and I just cannot get it together.

I’m not using any pay later options since I’m trying to pay it all off right now. It’s at $1,500. I also give my mom money each month because she’s struggling too. So by the time the end of the month comes around and I give her what I owe, I have nothing

I want to be an adult. I want to live on my own (living with my mom now). I want to just get my shit together and I just don’t know how to do it.