r/PoorMansWallet

▲ 4 r/PoorMansWallet+1 crossposts

Im 22 and I’m in total 50k in debt I need advice idk what to do

I’m 22. I live in Norway. For two or three years I had a gambling problem that ate everything. I took out loans just to keep playing, chasing the money I’d already lost, convinced the next one would fix it. A year ago I hit the wall hard enough that I anonymously applied for gambling rehab. I’ve been in it ever since. The program has done what it was supposed to do: I now genuinely hate gambling, and I hate the people who make money off other people’s addiction even more. This isn’t rare. A lot of young people are drowning in the same thing, even if their version isn’t as deep as mine.
Nobody in my life knows about the debt. I move through the days wearing a happy mask so no one sees what’s underneath. The part that hurts the most, the part that actually pisses me off, is that I still haven’t told my parents. I love them more than anything. The thought of watching their hearts break is what keeps the words locked in my throat. So for the past year I’ve been trying to claw my way out of the hole while also going to college. Working one or two days a week and still keeping up with school feels almost impossible, but I keep doing it because I don’t know what else to do.
I keep wishing for a miracle. Sometimes I let myself imagine a life with no debt and, for a second, it feels like someone sewed my wings back on and I can fly again. I’m tearing up writing this because that image is so sharp it hurts. Then I open social media and watch people throw fifty thousand away like it’s nothing, and all I can think is what a dumbass I was for ever walking into this. At this rate I’ve built my own prison. I needed to get this off my chest. If anyone has a take on how to get through the rest of it, I’m listening.

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u/RebinB — 3 days ago
▲ 91 r/PoorMansWallet+1 crossposts

Your spending power is about to be greatly reduced or removed all together.

What people don’t realize as that the economy gets worse and worse; these lending companies; these credit card companies and buy now, pay later companies are all going to protect themselves by reducing people’s credit limits. Thereby protecting themselves from losing out on mass defaults that are most certainly on the way. Just go on TikTok. Everyone is talking about how their credit was either reduced or removed entirely. If i was people who had a high limit, i would get those things ive been holding out on. Because youre gonna wake up one day and not be able to.

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u/Thawriter76 — 11 days ago

Need help fast. Drowning

Hey I need to make $200 to pay my phone bill. I’m a father of 3 going through a divorce and she left me to pay for everything by myself and I fell so far behind. I’m just really struggling. Anyone have any tips or quick solutions? I’d really appreciate it. I’m really embarrassed asking.

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u/One_Coffee_69 — 11 days ago
▲ 4 r/PoorMansWallet+1 crossposts

Extra income

Seriously, how do we make enough to survive,
I work full time, I’m a mom to three
Unhinged ways for me to make money to actually enjoy life and be able to sleep at night without all the financial stress?
I also have to fit it into my day?

Help??

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u/Boojac69 — 13 days ago

trying to figure something out

I don't really post things like this, but I don't know what else to do..

My dad died 2 weeks ago. We're still trying to get through everything. My mom hasn't really been herself since it happened and I've been trying to handle most of the things that need to be dealt with.

One of those things is the house. We were already behind before he died. After everything that happened we fell further behind. The landlord has given us until the end of the week to clear it.

It's around $500 If we can't get it together in the next three days we're going to have to leave..And honestly I don't even know where we'd go. My mom has nowhere else to stay.

I've tried asking people I know. I've looked for work, tried selling some things and I've been looking online too. Nothing has worked so far.

I've never really had to make money this way before, so I don't know what actually works quickly.

If anyone here has done something online and actually been paid within a few days, I'd really appreciate knowing what you did.

Thanks 🙏

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u/izhaarr — 10 days ago