Dirty Laundry

It's dirty laundry time.

As I'm sure most of you have figured out, I'm an idiot. A big old dumb idiot, always have been, but over the past 2 1/2 years, I seem to have gotten dumber.

It all started when I was promoted. That promotion came with a kicker, my nice bi-weekly paycheck suddenly went to monthly. I scrambled, but still needed to cover the bills. I discovered this great new way of covering my expenses, just a few hundred.

Pay Day Loans

For those of you who have heard of them, I'm sure would you physically slap me upside the head for falling into this trap. For those of you who haven't, let me serve as a cautionary tale.

Basically, they are high interest loans, meant to be paid back on your next payday, in my case, 30 days later.

No problem, I thought. Better days will be here soon.

2 1/2 years later, I'm in a shitload of trouble. I mean big, old heaping mess of shit to the tune of $6,000+ and I'm trying to figure a way out. I was told pay increases were coming, and I found out today what that number actually meant - it came out to roughly $25 more a week. Yeah, not helpful.

As of this month, my outgoings are $1000 more than my incomings if I don't take out (yet another) loan. I am determined not to do that.

I'm begging, scrambling and basically in a tizzy, none of this is actually helping.

Just need to vent, share what's on my mind. I'm working on a way out, I'm just scared, sad and feeling stupid. Just another day in the life of Beth. Yay!