When you were trying to check out at the grocery store, you were embarrassed to have your card say it didn’t have enough money to pay for your purchase. You had just been paid that day, and you should have had enough. Unfortunately, everything else you owed had come out, too. When you were able to check your accounts, you found you’d actually overdrafted already.
Not making enough to make ends meet is hard. You’ve done what you can to earn more, but things keep getting more expensive. You thought you’d save money reducing your phone bill, but then your electricity went up. You cut out cable, but then your rent increased. It’s a never-ending cycle.
What you’re going through is not unlike what many other people in the United States are struggling with. According to one report, nearly 49% of Americans live paycheck to paycheck, barely making ends meet. If anything changes, like a bill going up, it could mean that they can’t afford to pay everything.
You can take another job, sell things or even use a credit card to cover unexpected expenses in the short term, but in the long term, you need a solution that is going to last. If you are struggling with your finances, whether it’s because of credit card debt, medical bills or other reasons, you deserve support. Chapter 7 bankruptcy may be a good way to help you get your debts lowered enough that you can live more comfortably on your wages. It’s something you may want to look into with the help of your attorney.