Needs Help ASAP

Bless your heart. If you are not a member of a church go to a big one. Many of them give financial guidance as well as spiritual. I am not a super religious person but the church I attend when I go has classes on finances and support groups for finances. They can teach you basic budgeting. You should sit down at the end of the month and write out a written budget for the next month and follow it.

The basics are pay shelter, basic utilities, basic food and transportation first and in that order. Pay all unsecured debt last. If you have no assets and your salary is low then it is unlikely you will be sued. I suspect you owe a bunch of little debts and they call you all the time to hound you about them. Chances are your credit is already a mess so I would not worry about paying any of them on time or if and when you pay them at all. Just make sure you stay current on your rent, utilities and auto payment if you have one. I also would not bother with unnecessary dialogue with these collectors. You know you owe them and they know you owe them but there is no sense in hearing the same garbage from a bunch of collectors every day. I had a friend that was being called about 30 times a day from a bunch of different collectors and I told her to change all her phone numbers. That was a couple years ago. The phone calls stopped and she still has not been sued.

After you are current on the basic needs you should save 1000 minimum for an emergency fund. Wasting that money at the mall on new clothes does not count as an emergency by the way. That fund is specifically in case you lose your job or your car breaks down or you get sick. Ideally you want enough to live for 6 months but that is hard for a lot of people to do.

The next step is to list all your debt from the smallest amount to the largest amount. Each month if you have excess cash in your budget you should apply it to the smallest debt and work your way up to the largest. I would call them and try to settle the debt for less than face value if the debt has been delinquent for more than 3 months.

The key to budgeting is really based on your monthly income. It is sad but some people simply do not make enough to hardly get by month to month but others just do not know how to budget their money properly. I am not sure which case you are but either way if you get some support it will help you tremendously.

And you can find that support here! Definately pay basic needs first and start doing things like bringing lunch to work. I was amazed to see how much money I was actually spending in our cafeteria when I started bringing. I started buying 12-packs of diet soda and bringing them two cans at a time to work--and saved myself over $3 a day just by doing that! Small things like that add up.

As far as your vet bills go, Most vets that i have worked for have been very agreeable to taking payment arrangments on debts owed. You just simply need to speak with the vet or the vets office manager(and I am assuming you mean veterinarian bills)

Kscornell is correct. When money gets tight for me the first thing I do is start taking my lunch to work. It cost me roughly $2/day if I do that. It cost me even less if I stick to leftovers. If I eat it out cost me roughly $8/day average. Some days I spend less then 8 but some days I spend 15 eating out. That????????s a minimum of $30/week or $120/month difference.