u/dmb_21

Made some adjustments from yesterday. I was able to pay off all my debt owed to money apps and deleted them. So that’s $337 paid off. Also included food which is estimated at $250-$300 a month. My phone is financed so I have to pay that off first before I can switch to a cheaper plan. Same goes for the gym due to a contract which ends in August. I’ve decided to drop my haircut frequency to once a month which will be $40 plus a tip. I also switched to Spotify free. I’ve also decided to not go for bankruptcy, majority of the debt is medical and schooling, thankfully the school debt is a direct bill and not a student loan, so I’ll be able to negotiate that and medical. I appreciate everyone’s insight and help.

August of 2025 I had to look on Facebook marketplace and found a room for rent. No lease or anything like that, I just pay them towards rent. Things started out great but then one of the roommates bought a pup late November. No warning to either me or the other roommate. There were already two dogs plus a cat. Now three dogs one cat. This specific dog is always barking nonstop, even at night. I’ve brought it up multiple times to my roommate and explained it was affecting my sleep. It’s now May and nothing has changed. The other roommate tends to have a lot of random people in and out of the house, including partying on the nights that I need to be up early the next day for work. And the people invited over have no respect or consideration of the property or noise. For example I had to fix our sink and toilet due to them breaking it and not helping fix it. The place also smells like piss at times and is also dirty. I’ve been looking for multiple places to live but my income is not allowing me get in anywhere. This place has lowkey started to drive me crazy, I’ve been sleep deprived since November of last year. It was never like this when I initially moved in. I always dread it when I leave work or somewhere else to go back home.

Looking for private landlords that are willing to work with people whose credit is in the 500’s. I can pay rent but the issue with some places is that they require 3x rent and a big deposit upfront, sometimes two months rent and a deposit upfront.