Help!!!!

[Nem]

Well, things just keep getting worse and my hours at work are getting cut down badly, I'm deep in debt and I'm not sure wha try to do. If things get much worse I will have to ctb as quickly as possible. I've never been this bad off in my life, this is really causing me to get drastic and desperate for relief. I'm really freaking out right now and I'm thinking that ctb is my only way out of this hell

peace/hugs

 

[Lost4toolong]

As for hours at work maybe begin looking for a new job? Slowly but surely and make sure it fits with what you enjoy. Not just a desperate plea for more hours and money. As for the debt. Theres churches and resources to help. Sometimes. I feel you though my friend and feel for you. Is ctb what you actually want? Or jist a last resort

 

[Nem]

As for hours at work maybe begin looking for a new job? Slowly but surely and make sure it fits with what you enjoy. Not just a desperate plea for more hours and money. As for the debt. Theres churches and resources to help. Sometimes. I feel you though my friend and feel for you. Is ctb what you actually want? Or jist a last resort

Churches can help with my debt? I'm 50/50 on ctb reasons, partly because I feel like hell and partly because financially I'm in severe trouble
Peace/hugs

 

[Lost4toolong]

Churches can help with my debt? I'm 50/50 on ctb reasons, partly because I feel like hell and partly because financially I'm in severe trouble
Peace/hugs

Yes many churches have programs that will help. I utilized this once when my exs dad died and left a huge load of debt in her hands. It can take a while. And some will turn you away if youre not a member of their church in specific. Trial and error my friend. Ik its hard to muster the resolve to do it. But it might just improve your living situation. Tbh id always recommend against ctb until youve exhausted your other options. Especially when its not what you want but feels like its your only choice.. Have any family who can help?

 

[faust]

Churches can help with my debt? I'm 50/50 on ctb reasons, partly because I feel like hell and partly because financially I'm in severe trouble
Peace/hugs

Same, situation is very bad. Do not have money even to CTB. And especially for the method I have chosen

 

[Nem]

Same, situation is very bad. Do not have money even to CTB. And especially for the method I have chosen

I'm sorry to hear that, I know exactly where you are coming from
peace/hugs

 

[faust]

I'm sorry to hear that, I know exactly where you are coming from❤
peace/hugs

Yes, now started cannabis microdosing, hope to get better before CTB and find a job asap.
And thank you for your kind words
I cannot say for sure where to get money from, because I usually just lend money if necessary.
Edit: How about trying any additional job which has low amount of hours?

 

[Nem]

Yes, now started cannabis microdosing, hope to get better before CTB and find a job asap.
And thank you for your kind words
I cannot say for sure where to get money from, because I usually just lend money if necessary.
Edit: How about trying any additional job which has low amount of hours?

I hope that helps you
I don't know if I can even get through a job interview right now, I'm just a mess
Peace/hugs

 

[Lost4toolong]

I hope that helps you❤
I don't know if I can even get through a job interview right now, I'm just a mess
Peace/hugs

Be sure to tell the job that you have mental issues. I know it doesnt sound pleasant to have to do. But i assure you theyre not allowed to discriminate. And ive found that theyll help ensure your work is a little more leisurely and stress free. At least. Ive had a few experiences of that. I always quit anyway tho. So whatever

 

[Nem]

Be sure to tell the job that you have mental issues. I know it doesnt sound pleasant to have to do. But i assure you theyre not allowed to discriminate. And ive found that theyll help ensure your work is a little more leisurely and stress free. At least. Ive had a few experiences of that. I always quit anyway tho. So whatever

I think they might not discriminate but they also might not hire me either

I think they might not discriminate but they also might not hire me either

I ruined my life by quitting an awesome job a few years ago, was living in a 20th floor high rise and I should've jumped off the balcony right away
Peace/hugs

 

[Lost4toolong]

I think they might not discriminate but they also might not hire me either

I ruined my life by quitting an awesome job a few years ago, was living in a 20th floor high rise and I should've jumped off the balcony right away
Peace/hugs

Im sorry you feel this way :/ i share your emotions. Just sad to see you dealing with them

 

[faust]

Be sure to tell the job that you have mental issues. I know it doesnt sound pleasant to have to do. But i assure you theyre not allowed to discriminate. And ive found that theyll help ensure your work is a little more leisurely and stress free. At least. Ive had a few experiences of that. I always quit anyway tho. So whatever

Last time when I applied for a job, I had to fill a blank where I had to put a tick if I have panic attacks. I had, but didn't tick. Having panic attacks means you can't work alone: then I had to work alone at night

I hope that helps you❤
I don't know if I can even get through a job interview right now, I'm just a mess
Peace/hugs

Well, you can apply for a plenty of jobs. When you have 50 applications, there is no need to worry.

 

[Jean4]

What country are you in?

 

[faust]

What country are you in?

Ireland
Ah, sorry, this probably not for me heh

 

[Lost4toolong]

@faust
I told my 2 most recent employers about my issues. And maybe i just got lucky they were nice ppl but it did wonders for my confidence and ability to actually go to work. Def recommend my friend @Nem worth a shot right?

 

[Nem]

What country are you in?

Canada

 

[faust]

@faust
I told my 2 most recent employers about my issues. And maybe i just got lucky they were nice ppl but it did wonders for my confidence and ability to actually go to work. Def recommend my friend @Nem worth a shot right?

I was talking to my previous employer - we used to talk like friends - and told that I am mentally ill (I was working in different place then). After that when we were saying goodbye to each other, she said that if you need a job, feel free to apply. So definitely worth trying. I just mentioned that if you have panic attacks, it may influence the decision of a boss if you have to work alone.

 

[Jean4]

Canada

I am in the USA. Can you do a debt consolidation that lowers your bills and you pay a monthly bill to the debt consolidation company?

 

[Nem]

I am in the USA. Can you do a debt consolidation that lowers your bills and you pay a monthly bill to the debt consolidation company?

I am going to look into that. I talked to one company and they told me to claim bankruptcy
Peace/hugs

 

[Jean4]

I am going to look into that. I talked to one company and they told me to claim bankruptcy
Peace/hugs

I was going to suggest that too. I didn't know that you had it in Canada. I would say go for it. I did.

 

[Nem]

I was going to suggest that too. I didn't know that you had it in Canada. I would say go for it. I did.

Problem is bankruptcy destroys your credit and I would have to sell my car and I live fifty miles from the city, I'd be completely screwed
Peace/hugs

 

[Jean4]

Problem is bankruptcy destroys your credit and I would have to sell my car and I live fifty miles from the city, I'd be completely screwed
Peace/hugs

Your credit is probably destroyed anyway, and you do not necessarily have to sell your car if you need it for work. Your bankruptcy lawyer will talk to you about it and how to repair your credit. Something to look into.

 

[Dear Flabby]

Problem is bankruptcy destroys your credit and I would have to sell my car and I live fifty miles from the city, I'd be completely screwed
Peace/hugs

You can look into Orderly Payment of Debts.
It's not full on bankruptcy. A trustee takes a portion of your net monthly, and they set up deals with your creditors, who are then not allowed to hassle you. You get to keep your car, and furniture, plus things you need for work (tools, computer, that sort of thing)
Google "Credit Counseling +Nearest big city"

 

[mesohappy]

Ive had a lot of money and had no money.I was unhappy in both scenarios.But one thing is for certain-It is far easier being unhappy with money than it is without.

Somedays I don't know whether I want ctb or rob a bank or two or three.Id probably fail either way.

I feel you on the work/finance/debt thing Nem.Hope things get better for you.

 

[Brick In The Wall]

@Nem I'm sorry you've been going through so much lately my friend. I'm in a rough financial patch myself and definitely feel your pain. I wish I had some solid advice on your situation but I'm squeeking by myself.

Please don't hesitate to reach out to me if you ever need to talk!

 

[BPD Barbie]

I know the feeling well lovely, I'm currently out of work and up to my eyeballs in debt. It's a horrible feeling and just like you, I've never been like this before in my whole life. Try talking to debt agencies, a lot of debt can be written off. Also talk to your collectors if you have any, they can freeze it until you get financially stable. Is there are recruitment agencies you could turn to to get some more working hours maybe? I'm sorry it's got so shit, sending you love

 

[Deleted member 1465]

Got no advice for you Nem. You've already had better advice than I can give you. Just chiming in to offer sympathy