Hm... Had the worst Birthday ever. Bank took my entire paycheck, and now... Well... I'm screwed. I'll 'start from the source' of this situation:
From... June 27th to July 11th I was homeless. I finally got a job July 1st, but, not after already being put majorly behind financially. Being behind, I have several bills in collection, and 3/4 of my bank accounts with a negative balance. One of which is currently garnishing my wages. I paid a $25 credit card yesterday only to have bank take my entire balance to cover other accounts negative, leaving this 4th account at $-25 now, and getting a fee of $39 for being negative. Plus this $25 will reverse, causing my credit card to be late. My next entire paycheck, this same thing will happen. Now I wont even be able to pay 2 of my credit cards in addition to the original. (So 3) so these accounts will have fees, mess up my credit, and I'll still be penniless. I'm already $100 behind on rent for JULY. I wont be able to pay that or August rent til they stop taking my entire paychecks. Due to falling so far behind on rent, there's a good chance I'm-a end up homeless again since my mom never wanted me here in first place, and her boyfriend (It's him I pay rent, as he's the one who let me move in despite my mom saying no) is getting impatient. Since I will be homeless, I'll have no way of doing laundry or showering, so, chances are I'll be fired for bad hygiene. Thus I wont be able to get a place (wouldn't anyway since credit is so bad, banks are all negative, and I have several things in collection) and homeless shelter wont take me in again for 2 months. (Policy) So all my credit cards are going to go to hell / collection. All my banks are going to sit at a negative balance, and eventually go to collection. Plus, even if I find a job, I can't open an account for direct deposit (which most require) so I'll be screwed that way as well
If I don't figure something out, my life is pretty much officially over. Homeless, nowhere to go, most likely soon to be jobless, which will ruin my chances of ever getting a job since I wont be able to be paid xD
From... June 27th to July 11th I was homeless. I finally got a job July 1st, but, not after already being put majorly behind financially. Being behind, I have several bills in collection, and 3/4 of my bank accounts with a negative balance. One of which is currently garnishing my wages. I paid a $25 credit card yesterday only to have bank take my entire balance to cover other accounts negative, leaving this 4th account at $-25 now, and getting a fee of $39 for being negative. Plus this $25 will reverse, causing my credit card to be late. My next entire paycheck, this same thing will happen. Now I wont even be able to pay 2 of my credit cards in addition to the original. (So 3) so these accounts will have fees, mess up my credit, and I'll still be penniless. I'm already $100 behind on rent for JULY. I wont be able to pay that or August rent til they stop taking my entire paychecks. Due to falling so far behind on rent, there's a good chance I'm-a end up homeless again since my mom never wanted me here in first place, and her boyfriend (It's him I pay rent, as he's the one who let me move in despite my mom saying no) is getting impatient. Since I will be homeless, I'll have no way of doing laundry or showering, so, chances are I'll be fired for bad hygiene. Thus I wont be able to get a place (wouldn't anyway since credit is so bad, banks are all negative, and I have several things in collection) and homeless shelter wont take me in again for 2 months. (Policy) So all my credit cards are going to go to hell / collection. All my banks are going to sit at a negative balance, and eventually go to collection. Plus, even if I find a job, I can't open an account for direct deposit (which most require) so I'll be screwed that way as well
If I don't figure something out, my life is pretty much officially over. Homeless, nowhere to go, most likely soon to be jobless, which will ruin my chances of ever getting a job since I wont be able to be paid xD
