How do I rebuild my life with no money?

[wantingdignity]

I owe so much it's overwhelming. If I don't pay $600 by the end of the month for premiums I did not know I missed while I was on leave, I lose my benefits and possibly my job.

My disability payment is late. It's hardly anything. It will be $1000. My rent ($420) and this bill will reduce it to zero. I also have to pay insurance ($140) and phone/internet ($80). That does not include food or gas.

Today is my first day back at work and I won't be paid for it until the 7th of next month. My next 10 paychecks will have $200 taken out of them because apparently my company overpaid me last year.

I currently have $144 in the bank. I have $130 in cash. That's it.

I am trying not to panic. I just feel hopeless and overwhelmed. I have good momentum, but it's so much fucking effort to just survive right now. I don't want to have fucking panic attacks for the price of cat litter going up.

Im mostly venting, but I'm all for ideas. I am still struggling to just get through the day right now and don't have much motivation. The food bank has been able to help me a lot.

 

[StupidCat]

I'm also struggling financially and probably not getting afloat anytime soon. It's painful, but at least my debts are owed to my family, so they can tolerate some missed payments. It's difficult to concentrate on working to solve them since depression hits with all the terrible feelings. It's good to have a plan, I have multiple plans, I can make it st least a bit, but what I lack is motivation.

 

[rainwillneverstop]

It's definitely hard.

If you can find the strength to, try to contact the company you owe the premium to. Say you will have trouble being able to pay in full, and if you can get a realistic payment plan.
I'm assuming you're in the states by the fact you use dollars, and unsure if that's a possible cause of action there like it would be here.

Also it might not be much, but temporarily you could cancel your internet and use phone data for a while until finances look differently.
You can always turn on hotspot if you need to use your PC.

Best of luck, hold on.