u/SprayReady4932

Hello. I'm reaching out because I need advice on what to do or where to go/start. The stress of my finances is making me feel unwell mentally...

I'm in debt. I have a few personal loans, a nearly maxed credit card, some medical bills, and a car payment. Everything adds up to around $15-20k, give or take (not including the car payment- that's the only loan I view as a necessity, so I'm fine having it). I need to do a newer budget to see for sure how much I owe now.

I make $60k annually before taxes/deductions, so I should be able to pay everything off pretty quickly, right? Well, I'm terrible at money management and having so many monthly loan payments/bills kills my funds, so I have to keep borrowing money (whether it be from family, payday apps, short term loans, etc.). I have no money in savings either.

I feel so stupid because it should be as simple as "don't spend all your money, do a budget, etc etc." But I'm just stupid and can't even manage to do that.

I basically just need someone to point me in the right direction. I do my monthly budget, have been rejected for consolidation loans, am trying to navigate debt relief/financial plan assistance. I just don't really know what to do. Any advice would be greatly appreciated. Especially if you can provide direct resources or steps.

Hello. I'm reaching out because I need advice on what to do or where to go/start. The stress of my finances is making me feel unwell mentally...

I'm in debt. I have a few personal loans, a nearly maxed credit card, some medical bills, and a car payment. Everything adds up to around $15-20k, give or take (not including the car payment- that's the only loan I view as a necessity, so I'm fine having it). I need to do a newer budget to see for sure how much I owe now.

I make $60k annually before taxes/deductions, so I should be able to pay everything off pretty quickly, right? Well, I'm terrible at money management and having so many monthly loan payments/bills kills my funds, so I have to keep borrowing money (whether it be from family, payday apps, short term loans, etc.). I have no money in savings either.

I feel so stupid because it should be as simple as "don't spend all your money, do a budget, etc etc." But I'm just stupid and can't even manage to do that.

I basically just need someone to point me in the right direction. I do my monthly budget, have been rejected for consolidation loans, am trying to navigate debt relief/financial plan assistance. I just don't really know what to do. Any advice would be greatly appreciated. Especially if you can provide direct resources or steps.