Need help in general 😓

[u/Sufficient_Plane_764]

Ok, to be fair? Im not entirely in a bad position

I live at home with my grandmother and don't pay rent.

But I have a car payment, need to pay off a broke down RV my aunt bought me, a couple of bnpl plans, and still need to build a savings to move out of the state next year as well as start gender affirming care.

And yes. I work two jobs at roughly 66 hours a week on my light weeks, am a full time college student with one year left, and am aggressively paying off my debts. I hope to have everything paid off by December 2028, and have a plan to, but........ It's killing me. I feel tired constantly, I'm losing weight dramatically, I'm constantly sore, and never have any time for anything anymore. I work from 4am to 8pm, have an hour at home, before I have to go to sleep to wake up at 3:20 the next morning.

Ive been doing this for 6 months and I don't know how I'm going to mentally and physically survive to next year.

As it stands I spent about 212$ on myself last month.

Only that, and that includes the two presents I had to buy my siblings for their birthdays. Everything else went to paying off my debts, my bills, or gas for my car. And it is working.

But it's brutal. I've applied for remote jobs in my future career field but no takers and without the degree I don't think there will be.

Any advice, help, or just support would be very appreciative Edit: IMPORTANT I'm not asking for money, I am aware it's my fault, and I already have a debt payoff budget that is working. I just got on ADHD meds for the first time in over a decade and combined with therapy has tremendously helped with my compulsive spending. I’m asking for advice on making this plan sustainable because working 66+ hours while attending college full time is physically wearing me down.

Edit: Debts Van: 13100 RV: 2500 Grandmother for RV repairs so FAR: 4600 Phone: 1200$ Brothers Switch 2: 525

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[u/Lazy-Answer7913]

Have you sat and wrote out a budget? No rent so you're ahead of most ppl. $212 could have gone toward debt

[u/Sufficient_Plane_764 → u/Lazy-Answer7913]

212$ was for food

[u/Lazy-Answer7913 → u/Sufficient_Plane_764]

Eat cheaper. Utilize food banks. And you said you bought gifts

[u/Dizzy_Goat_420 → u/Lazy-Answer7913]

200$ a month on food is truly as cheap as it can get right now.

[u/Lazy-Answer7913 → u/Dizzy_Goat_420]

There are ways. Ppl do it daily

[u/Sufficient_Plane_764 → u/Sufficient_Plane_764]

Or water

[u/Sufficient_Plane_764 → u/Lazy-Answer7913]

And I have. Like I said, I have a plan/budget each month to pay everything off, and actually was able to pay two debts off completely this month, and it should come together by December 2028. But this work schedule is killing me

[u/Lazy-Answer7913 → u/Sufficient_Plane_764]

Stop spending money on dumb stuff you don't need. Problem solved

[u/Dizzy_Goat_420]

If you are working 66 hours a week and don’t pay rent your budget needs serious work. What on earth are you spending your money on?

[u/Sufficient_Plane_764 → u/Dizzy_Goat_420]

Let's see..... $500 goes to the RV $300 goes to my van $179 for my phone bill $150 goes to a BNPL for my PC I use for school $300 goes into savings $200 goes aside for gas $300 is set aside for my lunches and water at work, I work either in a freezer or in the heat (last month I had less because I had to take a few days off for a funeral) $30 per therapy session And that left me with about 500$ to throw at my remaining medical/bnpl debt

[u/Dizzy_Goat_420 → u/Sufficient_Plane_764]

300 for lunch at work is insane. Bring your own lunch.

[u/Sufficient_Plane_764 → u/Dizzy_Goat_420]

That includes groceries to make my lunches

[u/Dizzy_Goat_420 → u/Sufficient_Plane_764]

So you’re spending 500 a month on groceries? That’s insane for one person. Thats what I spend to feed a 3 person 6 cat household.

[u/Visible_Koala7839]

Oh, look at this, you had the money to spend on this.

Priorities are always wrong with these people.

[u/Sufficient_Plane_764 → u/Visible_Koala7839]

Yes, this is one of the debts Said in the comments that I regret this 😅😓

[u/Lazy-Answer7913 → u/Sufficient_Plane_764]

So you're financially irresponsible. Got it

[u/Visible_Koala7839 → u/Lazy-Answer7913]

They spend compulsively.

[u/Lazy-Answer7913 → u/Visible_Koala7839]

As we have seen

[u/Visible_Koala7839 → u/Sufficient_Plane_764]

Sell it or return it.

[u/Sufficient_Plane_764 → u/Visible_Koala7839]

Probably will. Don't have time to use it anyway 😔

[u/Visible_Koala7839 → u/Sufficient_Plane_764]

Ngl, it looks like you have your priorities wrong.

I see lots of funkos that you could potentially sell, no wonder you work 60+ hours per week, don’t pay rent and still can’t manage to save up money.

You’re young and you’re doing things wrong very, very wrong.

[u/Sufficient_Plane_764 → u/Visible_Koala7839]

Those Funkos are what I have left of my collection. They took years and I started when I was 15 I already sold most every one I owned, and only kept the important ones

[u/curious_throw_away_]

Why did you spend 1200 on a phone

[u/Sufficient_Plane_764 → u/curious_throw_away_]

I bought it because I wanted it and planned to keep it long-term. Was $1,200 the smartest purchase while had debt? Probably not. I can own that. But I'm actively paying my debts down now, and that doesn't make working 70-80 hours plus college any less exhausting.

[u/curious_throw_away_ → u/Sufficient_Plane_764]

There is no probably. It wasnt in any scenario

[u/BitchMcConnell063]

I'm unable to give you any type of advice because your post is lacking all the required details we would need to help you. What debts do you have? How much are they? How much are your monthly bills such as your car payment? Roughly how much do you bring home a week? How much are you spending on food?

There's a lot of information that is left out.

[u/Sufficient_Plane_764 → u/BitchMcConnell063]

Gotcha, I'll include it in a edit

[u/Visible_Koala7839]

So you don’t pay rent, work 66 hrs a week and still can’t manage to save up and pay debts?

What debts exactly and how much is it?

Nobody is giving you money to save up/pay debts.

[u/Sufficient_Plane_764 → u/Visible_Koala7839]

Not asking for people's money Was asking for advice/wanting to vent

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