Submitted by ditmol t3_yz51og in personalfinance
I'm 20 years old and moved out of home earlier this year and moved away from my parents because there was no work in that part of the country. I took out loans to cover costs and now I'm struggling.
I owe my parents about $20,000 I owe the bank $10,000 I get paid $750 weekly I am supposed to be paying my parents $300 a week I pay the bank $150 a fortnight Car Insurance $110 a month Health insurance $55 a fortnight Petrol $80 a week Food $150 a week Board $100 a week Essential living costs come to about $150 a week including car maintenance, phone bills, misc, clothing, haircuts, prescriptions etc.
I can't see a way to make it work.
$150 seems to only get me so far a week for groceries in NZ. I find myself going hungry often. I find myself using afterpay to pay for the things I need because I don't have the money to pay for it. I always run out of money before payday and honestly making me super depressed. I tried talking to my mate about this and he just got super judgmental telling me it's all my fault and not giving any advise apart from 'spend less'.
Any help?