Need to Vent

I'm going to rant here because noone knows me and I don't really know what to do or say out loud..

Anyways.. For a good chunk of my life I've been struggling.. from being way too hard on myself from not being as successful as I wanted. For example not saving when I was younger and had the chance to do so.. so now being 30 years old, with a 2 year old daughter I'm constantly trying to show her and myself that I'm able to get back on track..

I know it's not alot but I need to pay off about 10k. from a person who lives cheque to cheque this is a hard thing to do.. between falling behind on monthly bills Trying to catch up on those let alone the 10k of stuff I have to pay back from. Credit card companies and or cellphone providers when I was 18 or so.. Im currently on credit counseling and paying 305$ a month to get myself out of that 10k debt,But between... that, daycare, monthly bills gas,hydro,rent, internet, phone. I'm drowning.

It's a really suffocating feeling knowing that you haven't even been able to create a School fund for my daughter. Or have enough of a savings to be able to get her stuff she wants.. granted she has food, clothes, Snacks.. She doesn't know that I'm crying inside. I try and put on a front and show that I'm strong for her, I just know if there is ONE thing I can teach her, it's money management and don't be dumb with money.. be smart..don't do what daddy did.. This is the end.

 

Being a good father, support system, role model, and simply present in her life is going to be more valuable to both of you than anything money can buy. You're doing fine, man. Work hard; even better, bust your ass. Choose your motivation and use it to drive positive outcomes [whether that's working more to increase pay/pay raises, cutting expenses, etc.]. You're still young. $10K really isn't anything in the grand scheme of things; you have plenty of time to pay that off. Focus and lean into it. Ultimately, kids just care about you loving them and being present. You'll be alright.

watch this, I love it.

TikTok

 

Try approaching the debt in chunks instead of the lump sum. Paying off 1k seems more manageable than 10k.

Cheers mate and best of luck!

 

I'd advise living with parents or friends if possible, imo this is the best way. Maybe you're able to get some sorta benefits? Also remember your needs over wants too.