I feel like the luckiest person

April has been a hell of a month. My boyfriend got a new job yesterday, but doesn't start until the second week of May. I've been super behind because I've had a lack of funds and I'm bad at budgeting. Unfortunately, I've had to get a pay-day loan in order to keep from going negative in my bank account. On the plus side though, yesterday my work gave me a check for 956.00 due to unpaid overtime for the last two years!! I almost cried when the woman handed it to me.


I'm going to get caught up on my utilities and put money back just as a precaution. Things are starting to look up. My boyfriend is going up to the temp agency here in town Monday to get something to bring in some sort of income for the month of April. We're both super excited to get things on the right track again!!


Once he starts working, I'm hoping he can bring in enough to help out with more than just rent so I can focus on getting my bills paid off. I know some people don't like to admit their debt, but I don't see the issue. I'm in a lot of debt. I owe different credit card companies, I owe the hospital, I owe a loan place, and I owe my previous apartment. Its a lot of different expenses that can basically amount to about 5000.00. Its not a large amount of debt to some people, but to me its a large amount that I can't dig out of just yet. So far, we've been playing the avoidance game until I can pay something.


The reason I'm so much in debt isn't because my 21 year old brain got the best of me. Its very simple. Never give an 18 year old a credit card. Ever. You don't understand how much money you can rack up in a short amount of time. You forget that monthly payments go up the more you owe, and the more you owe the harder it is to pay back. One credit card was used to spoil my nieces, and one was used as survival because I decided I wanted to try to switch to a completely new job. This was an absolutely horrible idea. I don't think I'll leave the Call Center life until I can start on my career.


I feel like this is a second chance though. This money isn't used for pleasure. Now I'll be honest, I have used some of it already to treat myself. Why not? I deserve some nice things too. However the majority is going to bills and savings until my boyfriend can bring in some money.


I'm blessed to be given this chance. I won't blow it.