Back in July, my cat got pnemonia, and the multiple vet visits plus medication plus x rays amounted to a roughly $3000 debt, in the end.

Since then, I've been averaging 8 hours a week at work, and haven't been able to secure a second job. Thanks to the power of cool things like interest rates and needing to pay for my phone, medication, and transportation, I've only been able to keep my credit card debt consistently at roughly $2.8k, with the constant possibility of it shooting up if I have a single emergency at all

If you'd like to help a super poor and broke trans guy pay off his debt, or at least cover some basic living costs, please donate to my Kofi! I would really appreciate! If you cant, I would also be happy if you reblogged this!

Obligatory cat tax:

https://gofund.me/02d60cfbc

Money anxiety isn’t just stress.

It’s living braced and waiting for the worst case scenario.

Checking your account before buying groceries.

Doing the math in your head at the register.

Putting things back — not because you don’t want them, but because you don’t feel safe.

Tracking every bill and due date.

Staying alert for what might go wrong.

Never fully exhaling — even in months when things are technically okay.

That isn’t irresponsibility.

It’s survival.

For many people, not having enough once meant danger.

So the body learned to stay ready.

if you're drowning in credit card debt, your issuer might be willing to help.

most people don't know this because issuers don't advertise their hardship programs. but if you write a clear, formal letter explaining your situation and what you're asking for, some will reduce your interest rate, waive fees, or set up a manageable payment plan.

free debt forgiveness letter template: https://creditcardwind.com/credit-card-debt-forgiveness-letter/

Debt Recovery and Legal Enforcement in India