My whole life, I've strived to help others in need. I've let several different people live with me over the years until they got back on their feet, paid various bills for family members, bought many used instruments for low-income students to borrow, bought food and paid for other expenses for students in need, given money to dozens of homeless people, and donated to many charities.
I have never had a savings account-- I live paycheck to paycheck-- so I really shouldn't be using so much money to help others, but it's part of who I am, and it makes me happy to be able to help. However, I should've drawn the line sooner, because now I don't have enough money for my own expenses, and my debt is snowballing.
I've had a lot of unexpected expenses this year, and took out four personal loans and a line of credit, partially to cover the unexpected expenses, but also to help my ex-husband move out after living with me for 13 years (we got divorced in 2009, but I let him move back in 3 years later because he was struggling and I felt sorry for him, and he had been with me ever since, until a couple months ago), and to help other friends and family.
Most of the loans I received were under 35% interest, but one was 64%, which is killing me. The total of all 4 loans plus the line of credit is about $9000, but if I could just pay off the $2500 one with extremely high interest, that would help tremendously, so that's the goal I set. I'm Door Dashing my butt off in my free time to put as much as I can toward that myself, but I need most of that for other stuff, and I'm worried about putting so many miles on a car that I still owe $18,000 on-- I need to slow down so I don't run it into the ground long before it's paid off.
Anyway, I would be extremely grateful for any help anyone can provide, no matter how small. Thank you in advance from the bottom of my heart! ❤️
