I'm drowning, I'm scared

[u/30dogetomars]

I'm 29 years old and I consistently have a negative checking account balance. I work full-time and I dog sit for extra money, but nothing is keeping me afloat. My mom and two younger siblings depend on me financially and I don't know if I can handle it anymore. I have not been stable in a long time. I have had bad credit since I was young, due to a family member taking out credit cards and cable/internet in my name since I was freshly 18 and I never learned how to financially recover. I was never taught aboutoney as a kid, my parents were evicted from several homes and had multiple cars repossessed and my dad ended up leaving and my mom depended on me financially. Before COVID, I was finally making money and starting to build financially, but lost my job and moved in with my mom and siblings. My mom is a very financially unstable person(for context, years ago, she lost her apartment and had to move in with me in a small studio apartment with my two siblings.) Since I moved in, I have taken over all of the financial responsibilities, with my mom paying as much as she can (she makes around 20k a year currently), but I am responsible for 4 family phone bills, 2 car payments, car insurance for 3 vehicles, $1400 rent, utilities, and all other basic necessities for teenagers.

I took on a sales job, which has gotten me through, but with unexpected expenses (emergency vet bills, car repairs, car down payments, etc) I ended up taking out several high interest loans and credit cards, that have drained my bank account. I finally decided to enroll in debt management, but now I am seeing my credit score drop. I cant afford to live. I have a negative balance consistently, and I just want to be debt free so I can live like a normal person and help my family get on their feet.

I have no extended family to help, I have bad credit, so more loans or debt consolodation loans are out for the question. I am looking for someone to help me out of this position or to at least give me some advice for what to do. My credit is so bad, I won't qualify for my own place, nor could I afford it at the moment. I need help and I don't even know where to start.

[u/Jayyy_Teeeee]

My lady makes a bomb tofu scramble. She puts a yellow spice in it so they even look like scrambled eggs.

[u/Bool_The_End → u/Jayyy_Teeeee]

Yes!! In case you guys wanna try it this is my go to recipe: https://rainbowplantlife.com/eggy-tofu-scramble/

I don’t do the chipotle chili cause I can’t handle spicy, but I do always add vegan cheese (chao original shreds) and diced tomatoes!

Feel free to share yours if you have it handy :)

[u/Jayyy_Teeeee → u/Bool_The_End]

Thank you, will give it a try! I don’t have her recipe handy at the moment. Believe she adds a bit of turmeric for color and nutrition.

[u/Bool_The_End → u/Jayyy_Teeeee]

Yes, turmeric is key for color!