I have nobody to blame but myself, so no lectures please, just solid advice.
I have hit rock bottom financially. I have no excuses, and nothing to show for it. Not only do I live paycheque to paycheque, all of my bills are late and my credit cards are maxed. It seems like I am always playing catch up, but I never seem to get anywhere. I have already withdrawn from my RRSP's, borrowed from family, and have even taken TWO pay day loans this week.
There is the potential to have my hydro and cable disconnected this week. I have tried calling both companies to see what my options are. I was under the impression that if you were behind in your bills, and you called to ask for help, that they would be willing to work with you to come up with an alternative solution. Apparently this is not the case. If I don't pay both by Friday, then they will be disconnected. I have told them (wihtout getting into details) that it is not an option, but that I could guarantee payment by a specific date. They said no, it had to be paid by Friday.
So now my option is to instead use my rent money to pay my bills, and pay my rent late. Which is the worse option - I don't know.
I've never been in such a desperate financial situation before. I am now at the point where I don't even have money for groceries. I feel sick to my stomach every day, and the stress is becoming unbearable. I just don't want to live like this anymore.
Again, this is my own fault. I am in my early 30's, have a successful career, with a decent income. There is no reason for me to be in this situation. My living expenses are low, and I make more than enough to pay my bills. How I ended up here? I just don't know.
That said, I don't know what to do now. I have nobody to turn to for help, and I have exhausted all of my resources. I need some good advice immediately.
I have hit rock bottom financially. I have no excuses, and nothing to show for it. Not only do I live paycheque to paycheque, all of my bills are late and my credit cards are maxed. It seems like I am always playing catch up, but I never seem to get anywhere. I have already withdrawn from my RRSP's, borrowed from family, and have even taken TWO pay day loans this week.
There is the potential to have my hydro and cable disconnected this week. I have tried calling both companies to see what my options are. I was under the impression that if you were behind in your bills, and you called to ask for help, that they would be willing to work with you to come up with an alternative solution. Apparently this is not the case. If I don't pay both by Friday, then they will be disconnected. I have told them (wihtout getting into details) that it is not an option, but that I could guarantee payment by a specific date. They said no, it had to be paid by Friday.
So now my option is to instead use my rent money to pay my bills, and pay my rent late. Which is the worse option - I don't know.
I've never been in such a desperate financial situation before. I am now at the point where I don't even have money for groceries. I feel sick to my stomach every day, and the stress is becoming unbearable. I just don't want to live like this anymore.
Again, this is my own fault. I am in my early 30's, have a successful career, with a decent income. There is no reason for me to be in this situation. My living expenses are low, and I make more than enough to pay my bills. How I ended up here? I just don't know.
That said, I don't know what to do now. I have nobody to turn to for help, and I have exhausted all of my resources. I need some good advice immediately.