How to pay urgent bills and debt when unemployed

“I'm posting because I genuinely don't know how to get myself out of the situation I've created, and I'm looking for practical advice from people who have made serious financial mistakes and managed to recover.”source ↗

“That left me with around $1,300 of debt.”source ↗

“My income is now inconsistent. I get small video-editing clients, but they come and go.”source ↗

“I feel like I'm constantly worrying about money and the future instead of actually working on fixing the situation.”source ↗

“I'm also struggling with college expenses and generally feel like I've fallen behind in life.”source ↗

“My husband makes a very good income, but we are drowning in high interest credit card debt, medical debt, collections.”source ↗

“We have no savings, get a little more behind every month. I tried to get a debt consolidation loan but couldn't.”source ↗

“I really want to help financially, I hate feeling helpless. But I also feel confused on what the best move to make is.”source ↗

“I was laid off from my job of almost 7 years at the beginning of the year. Despite looking for a new job since, it's been a struggle to land something, and I'm getting to the point of nearly running out of my savings. I am looking to get a new credit card for my day to day expenses.”source ↗

“Currently have a credit card through Wells Fargo with a ~$14k outstanding balance. I am currently unemployed, but my wife and I have been able to keep minimum payments up.”source ↗

“Unfortunately, I also need some pretty expensive dental work done, and I was hoping to get a small personal loan/line of credit to pay for the dental procedures”source ↗

“my wife and I wondered if we could get a loan that would wipe out the credit card balance and include the dental work loan as well.”source ↗

“Hello, I 21F am really struggling financially and I just wanted to ask for advice on how to get myself out of the hole im in.”source ↗

“My checking account is also -$550.”source ↗

“I am unemployed, I applied for unemployment and have been constantly applying to jobs.”source ↗

“Literally what can I do? I don’t think I’ll get approved for any loans, I don’t want to make the debt worse but also I need to pay my bills now and I just don’t know what to do.”source ↗

“Honestly, my debt is crippling. My job has been playing games ever since we got bought out. I used to make enough to afford life. But I’m also paying off debt since Covid where I lost my job and had to live off credit cards.”source ↗

“I’ve missed payments my credit is crap. I can absolutely afford a payment of 4-500 a month for a single payment for a loan but right now it’s around 7-800 a month just paying off debt”source ↗

“I just don’t know what to do. I’m trying to cut everything I don’t need cancel every subscription lower my cell phone I’ve heard it all before and I’m doing my best but everything has jumped in price around me as well so I’m genuinely about to explode with how crippling this debt is”source ↗

“We hit the financial wall. I was recently laid off, our cash reserves are at zero, and our credit is maxed out.”source ↗

“We are running an active monthly deficit carrying two properties and an infant in a high-cost-of-living area.”source ↗

“I need an outside, objective perspective on how to stop the bleeding immediately.”source ↗

“i'm wondering if there's a solution i haven't thought of, or something i'm not considering that could help in pulling me out of this hole i seem to have dug.”source ↗

“my partner and i have a shared credit card that is tanking both of our credit scores at the moment, because somehow we're at almost double the limit - it's a $4200 line of credit and we currently have close to $8500 on it.”source ↗

“i'm feeling a bit like i'm at the end of my rope. is there some magical solution i'm unaware of that would help alleviate any of this?”source ↗

“I have like 17k on a credit card another 1k on another and apparently some utilities i didnt know about from my last apartment got sent to collections. I dont have money to pay any of this.”source ↗

“My irregular freelancing basically only pays food and my parents harass me so I cant work more and I got bad paranoia disorder from them recently so I have been trying to apply disability but everything is so fucking hard rn.”source ↗

“I literally try my best every day but I’m barely even affording food and I can’t even relocate to a different cheaper state or anything bc of so few money.”source ↗

“Currently have about $11k of credit card debt that I've been struggling to pay down since being laid off and having a hard time finding a new job. Surviving off unemployment right now.”source ↗

“The debt keeps growing every month with interest and I'm barely able to pay the monthly minimum but its still growing.”source ↗

“I owe discover 15k. I’m in 18.5k in total debt. Got the card a few years ago and used it a lot but ended up losing my job and maxing it out and it’s been like that for the last 2 years.”source ↗

“I have $300 minimum payments each month (20.49% interest) and it doesn’t do a dent at all.”source ↗

“This month I’m in a bit of a bind since I’m waiting to start work.”source ↗

“I missed a payment a few days ago and according to credit karma, my score went from 630 to 571.”source ↗

“I want to keep the card but financially, I just can’t afford it.”source ↗