Hi there! I suppose Cohost is a pretty safe place to ask for mutual aid.
TL;DR between low revenues, social security overpayment debt and student loans, my financial situation is extremely dire on the medium-term and I need all the help I can to keep my head above water (pay rent, buy food for my boyfriend and I, private healthcare therapist fees)
If you can and want to help, please send me some money over on paypal (sorry, no CashApp in my country) and, if you aren’t able to do that, a reblog goes a long way.
Here’s some detail about my situation:
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I’m doing an apprenticeship, which means I either work or go to school depending on the week, and I do 38h a week, but I’m paid barely above the 35h minimum wage at ~1450€ a month.
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It ends in June and while I’m trying really hard to find a job (which would be paid much higher than I currently am given my future diploma & experience) but it’s not guaranteed, and if I don’t I’ll have to survive on unemployment which will be around 900€ a month (for a limited amount of months that I’m not certain about)
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I made the mistake of going to a private school in 2015 that I dropped out of in 2017 and left me with ~20k€ student debt. With some negociations with my bank, I was able to split the loan into two so I could more easily pay it back. The first part of the loan, with installments of 132€ per month, is going to be fully paid in September. I have to start paying the second part of the loan starting next month, which is going to be installments of 388€ a month. So until September I’ll have to pay my bank 520€ a month. I have to meet them next week because I told them it’s unsustainable, but I’m unsure to what extent they’ll be able to accomodate me and my banker sounds pretty pissed at me
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I’m getting around 350€ from social security every month, but due to an accounting error they gave me around 700€ more than they should over the past two years, and to correct that they’ve suspended the payments they make me for the next two months. They refused all the recourse avenues I’ve used so far
This is all much more financial strain than I can handle, and I have no safety nets that won’t put me in a worse situation later on, and my boyfriend who can’t work and has a really low revenue won’t be able to stay with me in a safe housing situation.
I’m trying my best to get through it, and if I land a good full-time job it will be much more manageable, but for now I really need help from others to get relief from all this. Admittedly, probably all of this mess was preventable if I dealt with it correctly, but I almost certainly (diagnosis pending) have ADHD and administrative stuff and money management always have been incredibly difficult for me. I intend to work on that but no amount of self-discipline right now is going to be a magix fix for my situation.
So yeah. Idk I feel the need to extensively justify myself like this, but basically, please help, I don’t know how I’m going to get through all of this.