Bad_DNA t1_jacciye wrote on February 28, 2023 at 12:32 PM

Closing those accounts won't solve the issue, but it'll take away a method of self-harm. Behavior modification is the only way. Your mental challenge is something you will successfully manage, and your finance, too. Not knowiing the terms of your bank accounts (are there annual fees -- sure, close the accounts AFTER they are paid in full and request that the accounts be marked as 'Account closed at consumer's request'. Keep the longest/oldest fee-free card open.

Budget. Sell your stuff. Cancel all of your subscriptions. Get a roommate or 3. Automate the bill payments so you aren't late again and make at least the minimum (but pay more with the money you make from selling your stuff to the highest interest rate. Read the wiki on managing money. Chime or other programs don't do magic. You can do the work without Chime. They are not a bank, but a 'financial technology company'. While they advertise no fees -- how do they make money? You can do this on your own.

Edit -- changed my description of mental situation to something more accurate. Most 'mental illness' isn't an illness. Largely, it is a way of coping or thinking/behaving different that has been labeled by some people to differentiate 'us' from 'them'. When in fact, we are all 'thems'.

fishonthesun OP t1_jacpfqu wrote on February 28, 2023 at 2:23 PM

Thank you for the support and reassurance (:

As far as roommates go- it's something I'll look into for the future if my situation doesn't improve enough to go without them. I'm really hesitant to do it though- my mental health has always taken a huge dive whenever I've lived with someone else. Even though I'm still a bit depressed at the moment, I haven't been as happy as I am now since I was like... 7 years old. Plus, if I get a/some roommate/s, and I get severely depressed again, I'll end up working a lot less and probably be in the same, if not worse, situation. Plus, I would have to break lease early to move out and get roommates, and that's not an option atm- no savings. BUT I'm not trying to dismiss thos out of hand- I'll give it serious consideration in the future.

As far as selling stuff goes, I've sold what I can, but a majority of the items I've tried to sell are only valuable to me. Getting rid of them doesn't solve anything and selling them just isn't happening, although I will keep trying at it.

Thanks again!

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