What can I do to help make ends meet with more debt than income?
I (28F) recently just lost my job at $27/hr but within two weeks got another one (quick turnaround) the only downside is I took a $3 now making $24/hr pay cut for the same type of job. Yes it’s only $3 but it comes down to a whole lot. I’m struggling with high debt (over 18k, between 13%-29% APR rates, about 10 CC with two closed), can’t afford rent(2k monthly), can barely afford groceries. I am barely making ends meet. I not only have myself but I have my dog to look after as well she has medical problems so that’s another $200 I pay monthly for her. Debt to income ratio: monthly is about 4k:3k. I cut back on spending and only buy what I need like essentials. Don’t go out to eat or anything else. Literally nothing is in my savings ($1.5k) due to paying debts. I have been trying to find ways to help bring some extra income. Remote work, selling some of things. Nothing is getting me anywhere. The remote work I haven’t heard back and selling things I only get likes nothing sells. I don’t know what to do. I don’t want to consolidate and I don’t want to file for bankruptcy. I’ve weighed those options and they would make things worse in the long run. Does anyone have any ideas or can help in anyway with providing some type of ways I can supplement my income?