I am stressed. Actually, I don’t even know if stress is the right way to put it.
I’m lonely, the boyfriend is out of town for the weekend (possibly longer, that will be explained later) and being lonely and painfully stressed is not a good combo.
The issue has to do with financials, like it almost always does. At the beginning of the month my pay was messed up so I could barely make rent.
This is compounded by the boyfriend’s current status among the unemployed. I don’t mind that so much, he does clean and cook.
And then the summons came. I was evicted from an apartment a little over a year ago. I was silly, and make bad decisions. Money handling has never been one of my strong suits, and I’m paying the price now.
I’ve got a ton of credit card debt that I’ve slowly been paying down, and now I owe around 2000$ for this eviction. i’m still trying to figure out how I owe so much since I’ve paid half of it off already, and they shouldn’t be charging me damages, but whatever.
The point is I’m going to court of Wednesday. They want to garnish my wages. I say, you can’t get blood from a stone.
Apparently they can take about 50% of my wages. This is when I start freaking out. I can barely pay rent and such now. If they take away half my take home pay I am screwed. I make anywhere from 400-600 a week before taxes and fees are taken off. That’s without commission.
You do the math.
The boyfriend was expecting a hefty tax return this year, which was going to be handed over to me since I’ve been supporting both of us. The government took the money to put towards his student loans.
So now we’re both freaking out a little. he stranded in our home town possibly until I head there for court on Wednesday. Sigh.
Sometimes I wish I had a time machine so I could go back and take back all the stupid shit I did when I was 18-22. I’d cut up the credit cards, live within my means and pay my freaking rent.
What a twit I’ve been. So now I’m stuck making a very adult decision. These are decisions I don’t like making.
I’m looking into bankruptcy. I figure I should do it while I’m young and can recover. I don’t have any assets for them to take, so that’s good.
My credit is already crippled, so that isn’t a huge deal, it’s the rebuilding of my credit that I worry about.
It just seems like my only viable option right now. It doesn’t matter how much I sell, or how much modeling work I book I can’t seem to keep up with the bills piling up on my cork board.
The worst part is now I know how the ex felt at the end of our relationship. He was supporting me while i didn’t work and couldn’t contribute because I had no income coming in.
It’s one of the few things helping me keep my head on straight. I felt so helpless back then, especially since I knew the toll it was taking that relationship.
It was not a happy time. I sort of took advantage and lived in self pity. He took his stress and frustrations out on me.
The boyfriend and I have been fully supportive and honest with each other. It’s humbling and I respect our relationship so much for it. He knows about my financial woes, court, and I know about his.
We’re working through it together which I think is the important part, where as in my last relationship I didn’t share what was really going on financially, and I fed off him like a parasite while he lashed out at me.
I like to think I’ve grown up a bit. I do want to email him and tell him i understand where he was coming from way back when, but he’s made himself very clear in that talking to me hurts too much since he regrets ending it.
So wish me luck folks. Here’s hoping the bankruptcy gods are nice to me.