23 year old trying to dig out of this hole - seeking advice
Basically as the caption says I’m in a fair amount of debt and very suddenly ($3.5k total) different online payday loans and cash advance apps.
I felt so hopeless but I did make myself a plan that follows through until December. Trying to rebuild my savings and stay on top of bills and pay off all debt.
All of my debt should be paid off by the beginning of October if I stick to this plan. I work full time (make around 1650) and live with my partner who works and makes about the same.
Our rent is over 2000 and he typically pays more of it because I’m historically just bad with budgeting. He also buys a lot of our groceries and pays utilities, etc.
How fucked am I? Do you guys think everything should work out? Is there anything I should do differently?
I don’t know anyone my age dealing with anything similar and I feel like I’m so far behind, I had over 4K in savings before we started renting and went on a trip and I just created bad spending habits. My partner probably has close to 2k in savings.
EDIT - my plan works out that I can pay my bills and pay the required payments but it’s leaving me with around 100$ in savings each month until September and maybe 75$ in addition for extra costs that may come up.