Please help me get out from under.

Embarrassed to be asking for help yet again, but unfortunately I don’t have a choice. A few months ago I had a bit of a crisis with some medical bills; thanks to the generosity and kindness of so many, I was able to get through that emergency, but that left me still somewhat on uncertain ground, and since then I’ve had a couple of out-of-pocket medical expenses that my insurance didn’t cover, as well as an autocharge that wasn’t supposed to come out of my account but the company says I didn’t cancel it properly in sufficient time (I am disputing this, but the way those things go, I don’t have a whole lot of hope). The end result of all of which is that my credit card is maxed out and I am short on January rent, while also looking down the barrel of what may prove to be an expensive vet visit in a few weeks. I don’t feel good about asking for help like this, especially not so comparatively soon after the last time, and I can’t help feeling that this could have been avoided if I had tried harder or done better with managing things; but looking back on it, I am not sure how I could have avoided this—apart from that one charge on my account, but I still maintain I did things correctly and it was the company that screwed up. Still, I’m hesitant to chalk anything up to “bad luck” when I’m sure it was me who got things wrong. Regardless….I need help. Please help if you can (even small amounts help), and if that isn’t possible, I completely understand and hopefully I can figure something out.

Thank you so much, and here’s hoping for a better New Year for everyone.