mutual_aid

(I posted this previously, and am copying it so I don't have to re-type it.)

I got paid Friday, a couple days early because of the 3 day weekend. First thing I did was pay my bills, so phone/internet/power are taken care of. I paid back some money I borrowed from my mom, got a few necessities and some things for a nice dinner with a couple girlfriends. I had a good evening after work, and just wanted to relax for the weekend. I had something like $700 in the account still, and finally felt like I could maybe start saving for facial hair removal.

Fast forward to this morning. I'm finally getting caught up on sleep, so of course I make the mistake of checking my phone. Email from my bank, my account is overdrawn... by $341. I've been crying ever since.

We just got direct deposit re-enabled, and as far as I can tell, it allowed the companies holding my debts to take as much as they wanted. On the "plus" side, a couple smaller debts are paid off, but I was already making monthly payments on these along with the larger ones, so for them to force it through like this completely destroys any ability I have to try to save or budget for unexpected costs.

(New Stuff starts here)

So I posted this last Tuesday morning, before I went to work. Things went fine there, until on my way home. See, the sidewalk is very uneven around where we live, to the point where it's treacherous for bikes at some points ( no bike lanes and cars frequently try to pass on the shoulder at high speed, even on side roads) I was just walking, but still ended up catching the toe of my shoe on one particularly bad corner, and basically went ass-over-teakettle. I took most of the impact on my wrist, which thankfully isn't broken, but it did get a minor sprain and a nasty gash that's making it hard to work at full capacity.

As if that wasn't enough, the other major point of impact was my other hand, which had been holding my phone. It took the brunt of the damage for that hand, which ended up grinding the glass down so badly that I can see the board underneath. It still "works" as the alarm goes off every morning, but the screen won't turn on. I was due for a replacement, so I was able to get it on a payment plan, but owing more money when I'm already drained (see above) and trying to pay off previous debts is not conducive to my mental health or stability.

I've managed to work most of my scheduled hours by constantly re-wrapping the wounded hand and wearing gloves over it. I'm trying to hunker down and weather things. But the bank has started throwing overdraft charges at me for things I thought I already paid for, and I don't get my next check until the 13th. I'm terrified that they're going to close my bank account and my paypal, or ban me from the bus for not paying fare, or some major bill will have turned out to not have been processed and so is overdue on top of overdrafting me more. I don't know what to do, so I'm begging for help. I haven't been sleeping well, what little self care I was managing has fallen off because I run out of spoons just dealing with work and waking up to this situation every day. I had to throw all the money I had saved for laser hair removal on my face (something I desperately need, but can never seem to have the funds for) at this, and I'm still in the hole. I'm getting towards the end of my rope. Please help if you can. Thank you.