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Ok_Cap_408 t1_jach3wg wrote

Do you have access to resources designed to help you cope with your mental health challenges? If not doing so could make your life a lot easier. Speaking of resources is it possible for you to get access to some sort of low-income housing due to your diagnosis? If yes this could reduce your monthly overhead and potentially provide you with increased stability. In terms of Chime, it sounds like nonsense and I would avoid it. If possible I would sell your car and ideally use the money you would spend on car payments to pay off your credit card debt and then once that is paid off pay off your student loans. Going forward I would stick to debit cards. I like the idea of reducing the amount of bank accounts you have but I would go with a more stable option instead.

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fishonthesun OP t1_jackhsd wrote

I do have a therapist and a psychiatrist, as well as a fantastic support system, so those bases are covered, it's more of a "doing the things I need to do to improve my mood and wait for the depressive episode to gradually lift" thing.

Unfortunately selling my car isn't an option- 30 mile commute to my job, no public transport to get me there. Plus, it's not in great shape right now and wouldn't get me enough money to get a car other than one that would be in the shop all the time and cost me more over time than just keeping my current one.

I have been thinking of getting rid of the credit card once it is paid off, that's probably what I'll do. Making loan payments is how my credit score got to 735 in the first place, and I've unfortunately demonstrated credit cards are a bad option for me, at least at this point in my life.

As far as low income housing, I did apply for all the places near me, and didn't hear back from any of them despite multiple, multiple attempts to get a hold of them.

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Ok_Cap_408 t1_jacl6re wrote

It is good that you have access to a therapist, a psychiatrist, and a fantastic support system. If you can get access to welfare it could potentially increase your chances of accessing low-income housing. Not to mention extra income would make your life easier financially. Plus you could also ask your service providers and or support system to write testimonials on your behalf advocating for you to access low-income housing.

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fishonthesun OP t1_jacopx5 wrote

I will look into what you said about getting welfare- not something I would have thought of on my own.

Thanks a bunch!

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