Hey, my name is Chris and I have reached desperation stage. I have had countless setbacks despite working my butt off to try and catch up.

I'm drowning in bills, about to be without lights and heat. My vehicle is breaking down, my bathroom floor is about to cave in... just so much.

I don't really like reaching this point of desperation and don't blame anyone for deciding to scroll past because we all have issues.

Mine are not due to laziness and not trying. I lost my job and it took 4 months to get a new one, which put me deep underwater in credit card debt because bills don't stop just because you can't pay them. My car broke, so I needed a loan to get a new one. Then my pipes froze and broke, costing another fortune I don't have... it just won't let up.

I will include photos of my bathroom floor and the state of my bathroom after it flooded on my next day off.

Any help would be appreciated, even if you just share this. I just hope to get above water a little.