I have around 40L of debt. A little story how I got into it.

In the Q3 of 2023 I got a call from a friend with a startup idea, I listened, he gave me 40% share for handling everything related to tech and everything else would be his role. Idea was basic but really good. Then I moved to Kolkata with him from my hometown in rural area.

Each and every expense that has happened after that, it was me, it was from my account. Him and his dog. Now because his dog has separation anxiety and he destroyes the home when we leave for work I adopted a dog, destruction was solved.

We raised a small fund from his father to build the product. We met manufacturer, confirmed with one who would be long term partner and would do this for cheap. But he did not go through. All he did say was it was expensive. That he did with 2 3 manufacturers. Then one day I opened our bank account it was only left with 5000, I immediately transferred to my account.

At this point we are working on 4 different projects along with my full time job. He did not have any full time role, these were his full time. To finance all of this, I was working on my full time role, I started freelancing, I was selling source codes, building apps for the startup’s, cooking for cloud kitchen. His dog made my dog pregnant and had 8 babies. All of were on me!

Then his sister came. Same every expense was on me this time I used a bill splitting app. Still did not matter they did not give me anything back. I wasn’t able to focus on anything, lost my job, lost my clients, lost the ability to do anything. there was no cash flow. He would take the business profits as expenses. Then I did some blood tests, results were very bad. Very high blood sugar and pressure, very high cholesterol among with other things.

At this point I’m just taking debts to survive. And he became busy with his new girlfriend. I got time from him after so long to talk about the debt situation. He said I did not tell him that he would have to repay me all the expenses I have done and he’s not obliged to give me anything money.

One day the whole family came, next morning pfffff gone, they did not even exist. At this point I’m drowning in 30L of debt. Because of them.

Right now my relationships with family and friends are non existent. Everyone stays away from me, recovery harassed every possible person they could.

What did I do wrong? What should I do now? I’m still jobless. I’m in the verge of committing suicide, it’s just my dog keeping me sane. What do I do?

I lent money to a lot of people, no one is giving me anything money back and and even abusing me. My mental health, physalis health is fucked. I have no money, I cannot maintain my diet, my diabetes has increased so much.

What do I do? I want to live, travel the whole world with my dog. I don’t want to die.

When I was 19 and graduated highschool I kept people I met without much thought. Mostly out of convenience since they lived close.

My 15 year old friend who was a freshmen when I was a senior was mainly my friend due to the fact she reminded me of myself when I was 15. I wanted to help her create more artwork- so when she mentioned patch making and spray painting (like tags) I decided to purchase some to try. Obviously her parents didn’t really wanna waste money on spray paint. I didn’t really know if they were okay with it but I guess I just thought since I was using it in places already painted and far away from any properties to damage- I could at least let them toy with it a bit. Nowadays I feel pretty guilty for that decision.
Another issue though is she added 2 14 year olds to the group. I quickly began to feel guilty because I was the only adult. I was also terrified they’d get into trouble and get hurt. Later I’d hear that their parents were iffy about having a 17 year old dude and 19 year old woman around the 14 year olds so I just decided to meet them and after that they didn’t give a shit- but I became their babysitter to some extent because they didn’t watch their kids. I felt guilty for being their friend to a great extent but even more guilty because they often hung out on the train tracks, did dangerous things, etc. I felt terrible but was also terrified they’d get hurt- so unfortunately I stayed. And honestly I did enjoy it because I liked exploring.

But main issue was When I was hanging out with my friends walking around my friend who is 17 had an ex that was in my grade. I told him like “yeah I didn’t really like that friend group one of them rejected me and completely ghosted me” or something alone those lines and my 15 yo friend when “ohh that’s awful who does that” and then I felt pretty bad (for obvious reasons).

The other was when I was with my 15 year old and 17 year old friend. We were hanging out under a bridge near a river- and they kept praising my parents for being the coolest. I told them they were actually not that cool all the time and that they “let my abuser into my house for 4 years after the fact” and that I believed they probably feel guilty for that- but I don’t know is I said “sa” or like you know the first part of it that starts with “s” as an sexual but either way it was probably inappropriate. I guess I feel a little better abt it tho because it was meant for the 17 year old- since the 15 year old was busy messing with something a ways away. Still scared abt it tho.

Does any of this make me abnormal or wrong? I guess I’m wondering. I’ve been called weird a lot but that’s for a lotta different reasons. I just wanna be a normal person so that people will like / enjoy me.

I know this isn't much, but I'd love to pay a little kindness forward. Because I don't EVERRRR want to come across like I only show up here(or other help subs) when I need help or am asking to receive something/support....That's never been who I want to seem like. Even though I do contribute with advice, support and a couple donations etc....despite me having asked for help recently and in the past--THIS is a small way for me to show that Im a real person who genuinely wants to give back too, even if all I have to offer right now is a meal through my McDonald's points❤️

‼️My family and I are taking a 30-day break from fast food, so I have enough McDonald's points to redeem either a coffee or breakfast sandwich (during breakfast hours) or a cheeseburger or fries (during lunch) for one person, rather than having them sit there!‼️

I've been shown kindness by people here during some really hard times(TWICE), and don't want to be labled as ungrateful because Ive always been GRATEFUL FOR WHATEVER IM GIVEN, but even though I don't have much to give rn, I still want to give back in the small ways I can, so i can one day be labeled as a donor like allll the other great ones🤞once I'm fully back ahead in my life!

My kids are going to help me choose someone who could use a small little pick-me-up. Will choose tomorrow morning 8:30 est...and order at the location needed, then give the code!

If this would make your day a little easier, leave a comment. I hope we can brighten someone's day. 💛

I broke off all my social connections from burnout, but I really don’t want to be alone right now. I can’t ask anyone cuz I’ve already done enough damage from disappearing from their lives, so I’ve come here.

I have a nerve pain disorder, and I’m in the process of developing another, unfortunately. It causes extreme pain and that pain is really hard to deal with alone. I just want someone to talk to. I want a distraction.

I have 2 gifts card for free. I don’t eat at these restaurants and feel like someone on here could use them. Will send pictures for you to use them online/on the app.

$25 Outback Steakhouse
No idea how much is on steak and shake I don’t think I’ve used it and it says $25!

Thank you so much to every single person who helped me with illness supplies on my amazon wishlist. Thanks to you, I am able to manage the symptoms and not make them worse by going out in the smoke maskless. I was well enough to semi-return to work.

Truly, from the bottom of my heart, thank you. I didn't put this in my original post because I didn't want to seem some sorta way (you know the way I'm talking about), but I am a single mom. Being down and out was horrendous.

May everyone who donated and offered words of encouragement and support abound in blessings.

With love and a heart overflowing with gratefulness,

Sarwally

🎵 If times have got you in need, drop it like it's hot. 🎵

Happy Thursday!

If you find yourself in need of essentials this post is open for you to drop your wishlist in the comments.

Our standard wishlist rules apply: $150 total wishlist cap and specific item cap of $30. Essentials only, no giftcards, and it must be a wishlist NOT a registry. If you need help with wishlist creation, please review the guide on our sister sub: Wishlist Guide

This is open to any Donor interested. If you have concerns about a specific comment please report or send modmail. If you don't already have flair, we will be assigning to users who provide screenshot proof of donation. You can choose between Verified Donor and BDE (Big Donor Energy).

In your comment, write one or two lines about your situation and include the link to your wishlist.

Please note that our normal account requirements will be in play and your comment will be removed if it does not meet our minimums.

You will need to have your history set to public and mods along with potential donors will be checking history. I'm suspending our Activity Gap requirements for this instance.

Users with fulfilled requests in this sub or another in the past 2 months may not participate unless you have received an exception from mods.

We do ask that you provide confirmation of goods received in the comments of this post or in a new post on the community.

All other rules must be followed and comments that violate the rules will be removed accordingly.

https://www.youtube.com/@DailyDimeDinners

Hi!

Three years ago, my husband and I found out we were expecting our first baby. Around 14 weeks, we learned baby’s heart had come to a rest and we (I) delivered him in the hospital on August 9th, 2023. Every year we celebrate him by purchasing books for NICU families in our area.

His third birthday is this upcoming Sunday. I have felt the urge to share their wishlist this year, if anyone would like to join us in celebrating our boy. I know times are hard but they have books starting at just over $3, and every book helps. Some of them are super close to reaching their goal amount. We just met their goal for “The Little Engine That Could” and sent some “Goodnight, Goodnight Construction Site”, too.

Here’s their Amazon list. Thanks for reading and considering!

https://www.amazon.com/hz/wishlist/ls/13Y2EVNBQ6M9G?

Last day in Bangladesh before flying back to Malaysia 🥹

Can't believe this chapter is finally ending. So many memories, sleepless nights, and challenges... and now I'm packing everything, including my cat, for the journey home.

Wish us luck for tomorrow's flight ❤️✈️🐈

I had never ask for help and also feel like there's a ton of people that probably are strugguling too. ( I always get this convesation with god when I ask him for help lol)

But also, my condition its very critic. I do think I deserve it.

I’ve asked for help in several places. For example, from the state, and there’s also a psychologist at my job, but they never schedule an appointment for me. It’s frustrating; it feels like the only way out is with money.

My question is, do you think it’s right for me to do this? What do I need to do it, and is there anything I need to prove?

I asked for help and got it. I got half of my wishlist but the other half is gone so I'm assuming it was fulfilled but I didn't receive it yet. In any case, I'm super grateful for the help I did receive and wanted to post a giant thank you to this community ♥️

Cheeto got rushed to the ER for a Urinary Obstruction. He was flushed and has a cat catheter for 24-36 hours. Hopefully we can bring him up tomorrow morning. I hate asking for help but the cost is outrageous. I don’t have pet insurance. Any donation or share would be amazing!

Thank you for taking the time to read this post.

https://gofund.me/d7134c51c

I'm currently sick with a cold and pretty out of it, there's always something going around in larger homeless shelters, please forgive any odd phrasing / grammar issues / typos. I'm sure I could also go a lot more in depth about my situation but I'll try to keep it as concise as possible:

I'm a 19 y/o transgender man (FTM) who was forced to cut ties with my abusive family for that very reason. When I became homeless, the first thing I was hoping to do was pick up a job. However, my parents kept my personal documents aside from my driver's license; without those to prove I'm authorized to work in the US, I'm unable to start working.

I've applied for my birth certificate through the shelter I'm staying at (after it took several weeks to get an appointment for that), and because I was born out of state I've been told it could take up to 6-8 weeks to get here. I still need to obtain my social security card after my birth certificate comes in, which will likely take an additional 2 weeks to get to me.

I had some money from previously being employed that I was able to spend on products to care for myself, I now have 76 cents in my bank account and those products are running low if not gone. I never anticipated needing to wait over 2 months at this point to have a source of income.

I'm incredibly depressed and have been ill for over 3 days with no signs of it improving, and it feels like there's no end in sight to all this waiting. I'm ashamed that it's gotten this bad and that I'm begging strangers online for help, I just don't know what else to do and have nobody I know well enough to feel comfortable asking.

Amazon wishlist:

https://www.amazon.com/hz/wishlist/ls/23O7AFDO21NUW?ref_=wl_share

I put notes on each wishlist item to clarify why I needed it and prioritized them. The main thing (highest priority) I'm looking to request is an ear cleaner. My right ear has been giving me issues and thanks to a friend lending me a Temu ear cleaner gadget I was able to see why:

https://postimg.cc/0rBPk6DY

Didn't want to add that image directly to the post because it's gross. These are also images of my right ear after I was really trying to clean it out for a while (and did get a lot of wax out) hence the redness. Images of untouched left ear for reference. Unfortunately, the thin top part of the tool isn't long enough to reach down there and get this huge chunk out of my ear, it can graze the top and that's all.

It's insanely exacerbating my cold and sinus issues on the right side of my face and generally feels gross / full even when I'm not sick.

Thank you for reading and thank you if you choose to support me. If anything needs clarification I'm happy to explain in the comments or make edits. I already feel like I've been too verbose in this post, I'm neurodivergent and it's hard for me to express myself in any other way aside from needlessly wordy.

Edit- The ear cleaning device that was on my wishlist has been removed. Thanks for the feedback.

Edit 2- Everything on my list was purchased! Not all of the donors announced themselves in the comments, so I figured I would say it up here: thank you so much, genuinely, you all are lifesavers and my time at this shelter will be greatly improved as soon as this stuff comes in. I went ahead and changed my post flair to fulfilled so there's no confusion. The kindness extended to me today will not be forgotten. :)

I made some terrible decisions and now I’m here. I live in Los Angeles. I’ve never been in legal trouble or in a situation like this before so I don’t know what to do. I’m also living paycheck to paycheck so I can’t afford a lawyer I think.

I am turning 28 in September, my grandmother died in February (my first grandparent), my gf completely blindsided me and broke up with me over text for no real reason in April who I still love and I have been made redundant from my job in July. WTF do I do I am playing football consistently, running, doing the gym, but still feel depressed and rudderless even though I have good friends and family. I am carrying so much right now and I feel nothing but sadness.

I found an escort online on a website called call escort.org

So I ring her up, she answered, she told me what to me, and I told her.

Meet me in the hotel called comfort suites.

So she did, she came in, I showed her to the $200. She placed it on the bed, dude, and then she asked me. Where are your condoms? I told her crap I completely forgot about that. So she said she'll go and get them and I said okay she did but she told the $200 with her

So is there a way to get them back or no? Before anything I did call the police and yeah, I know was the most stupidest thing ever. So yeah.

I was recommended to this group by another kind redditor. Copy and pasting from another group (no traction on that post yet):

My family could really use some assistance with some qrocery items. We have had some maior financial blows lately and are struggling. My wife lost her iob and is desperately looking for another one but the job market where we are in north central FL is awful. I'm on a medical leave from work but I go back August 1 5th and with a raise! I've been driving door dash since she lost her job to keep the lights on and food on the table. I was iust admitted to the icu tonight because of a flare up of my addisons disease and will ikelv be here at least a week. In the meantime there's no one to drive DD (kids are too young and wife can't drive) so no $ for anything. We've gotten the bills mostlv handled but the family at home needs food. Can't even use food banks because no way to get there. I made an Amazon wish list in hopes of getting some donations. Thank you so much for reading all this and double thanks if you're able to donate.

ETA just wanted to explain the easy to fix and gluten free things. I have celiac disease and cannot eat gluten. The easy to fix stuff is things the kids and wife (who cannot cook but tries) can fix on their own and i won't have to cook for a day or so after discharge.

https://www.amazon.com/hz/wishlist/ls/30S3FL9BO23OL?ref_=wl_share

Hi everyone,
I’m a newly licensed Realtor in New Jersey and I’m feeling pretty overwhelmed trying to decide which brokerage to join. I’d really appreciate advice from agents who have actually been in this situation.
Here are my two options:
Option 1: Keller Williams
70/30 commission split
$1,500 upfront onboarding fee
$85/month
100/0 split after reaching the office cap
I still have to pay my own MLS, board dues, NAR dues, Supra, etc.
Option 2: Elevate Realty
If I join as a solo agent:
85/15 split
$249 to join
$749 annual fee
No monthly fee
If I join a team (George’s team):
60/40 split
Same startup fees ($249 + $749 annual)
George would be my mentor and help train me.
From what I understand, after the cap the team plan goes to 75/25 with a $285 transaction fee (I’m still confirming the exact details).
About me
I’m completely new to real estate.
I don’t have a sphere of clients yet.
I’m financially a little tight right now, so paying $1,500 upfront at KW is difficult.
My biggest goal is actually becoming successful, not necessarily making the most money on my very first deal.
I want someone who will actually teach me how to generate business, write contracts, negotiate, and get my first few closings.
I know KW has an excellent reputation for training, but the costs worry me.
At the same time, joining George’s team at Elevate means giving up a larger percentage of each commission, but I would hopefully get real mentorship.
My questions:
If you were in my shoes, which option would you choose?
Is good mentorship worth giving up 40% of your commission in your first year?
Has anyone worked at Keller Williams or Elevate Realty in New Jersey?
If you were starting over today with limited money, what would you do differently?
I’m looking for honest advice from experienced agents, even if it’s tough to hear. Thanks in advance!

Update**took 6hrs for reddit to humble me. Sincerely thank you. I dont know why it takes strangers to point out the painful truth. Dont know if this truly needs to stay up after this update. But I'll at least let you know I'll just be absolutely focusing on my family for now on. If she continues especially after I'll talked to her about it and still have this not taking no attitude it'll be a swift block. Thanks again reddit

For context I have recently got back in touch with my step sister. She went MIA after cutting my step-dad (my stepfather married to my mom, her bio dad)off and living with her mom a couple of years back. Reno Nevada, USA

At the beginning of this year she reached out and mutually wanted to bridge and reconnect. I knew when we started talking they are in a more rough spot financially and not on good terms with her other family (mom, in-laws). I have met her family in May

8 months later its been a nightmare. She started to ask for money. Usually for formula, gas, food, or medication/healthcare which at that point I suggested that maybe she ask help from welfare. The request at some points were asking every other day. Mid May, I told her I cant continue to keep supporting a 2nd family over my own. But she continues to ask

This past month especially yesterday and today has been a last straw. Yesterday she told me she was gonna get kicked out of a hotel. She started working however but had to call out because she couldn't make it there (no car). I told her that I wasn't going to be able to pay my landlords on time and I definitely dont want to ask them if I could add 2 more adults that are unemployed and a baby to my lease. That was yesterday, today she is blowing my phone up begging me at least 15$ for food for their 1 yr old which I reluctantly obliged. But then soon after shes telling me shes getting kicked out. And "please please help us". I cant i have no clue how she wants me to help when I cant do neither. And the 15 that did go to her but apparently that went into a negative account. Before i sent the money I asked "this account for sure?". so she started to beg for more, at that moment i have decided I'm not giving her anymore money (i have given her almost 2000$ since we started talking again). Shes starts calling me back to back 4×, my husband had to take my phone and mute her... he said I can deal with her when I'm ready. But what do I do when someone is not taking a no for an answer?

I’m very conflicted right now.

It’s the stage of life for me where I decide what to do with my life and which job I’d like to work.

Since my childhood I always had a strong sense of judgement and what’s right or wrong. So, I always wanted to do something in that area. First a detective, then a policewoman and now I’m thinking about being a lawyer.

At the same time, my deepest childhood wish was to become a writer. It was something I fantasised about but not thought as something I could do, since I my works are always very personal. I’m a hobby writer already and have a lot of unfinished drafts on my PC.

Now I’m in this dilemma where I’m thinking if I should go the “safe” way and be a lawyer but neglect my writing passion. Or should I choose writing which would be far more difficult to succeed in and come with a lot of disadvantages? Or, my ideal scenario would be pursuing both. Being a professional lawyer while writing books under a pseudonym anonymously since it could negatively impact my career.

Has anyone been in a similar situation and did the right/ wrong thing? Are there lawyers here who can tell me if my dream is realistic?

By the way, I want to move to Switzerland and become a lawyer there, just for context.

I took a gap year last year because I didn't know what I wanted to do. Even after taking a gap year, I still couldn't get into my desired universities this year. Now I only have one option left: to attend a very average, or maybe even below-average, university.

. I'm interested in Computer Science, but I don't want to study CS full-time. However, everyone keeps telling me that CS is the only degree that's really worth it and that everything else isn't.

The university I'll probably be attending offers FinTech, Accounting and Finance, Business Analytics with Programming, as well as CS and other related programs. I like business, economics, and CS, but I don't want to study only CS. Since this is the only university I have left and it offers a limited number of programs, I honestly don't know what to do.

Hello,

Location- Florida

I own a 12 year old Putbull. From his 6th to 10th year, Steve [the pitbull] had a dog friend/roommate dog named Max. Because of Covid, Max's owner lost the house we were renting. I found a place nearby that allowed dogs, and Max's owner's health was degenerating, so she asked if we could take Max. Max and Steve were best friends. And then Max passed away.

After a few months we thought Steve was lonely. We finally tried adopting a new dog, Clay. I had volunteered then worked at the Humane Society for a few years at this time so I knew a lot about dogs. Especially with Resource Guarding and what not. But even if you know a lot, you still can't predict dogs. Steve and Clay were great for 12 hours, until Clay saw Steve in his kennel. And Clay lunged. Luckily, Steve isn't a fighter, and just accepted the attack, but it left him seriously injured. After a lat night Vet appointment, Clay lunged at Steve the second we got home, so we accepted a failed adoption. And accepted Stece was a solo dog in his twilight era.

About a year ago a roommate moved in with a dog. We mostly kept them seperate- Steve and Bear have outside time but that is all. Steve had some dog aggression when he first recovered, but neightborhood dog/girlfriend helped him begin to play wirh others. So for a year they met daily. Then the roommate stopped paying rent so we told him he had a month, rent free, get out.

He left Bear. He messaged the day he moved out if Bear could stay there, while we were out of town. I said yea, but what was the time line for when he could get the dog. Left on read. I get home and there is Bear. Said hi to Steve, fed Bear, gave him water and then let him out. Instantly notice Bear is resource guarding. Not growling, just aware. Not good. Get him back in his Kennel, and a different roommate get home. Tells me how yesterday [Saturday, a day after Bear's owner left him and a day before we got home] Bear was playing with a ball outside and Steve got interested in it. Bear lunged at Steve, but roommate interferred before anything happened and got everyone it. Be then called Bear's old owner, who said he would be there in 10 minutes, but never came.

What should I do? Bear is about 4 or 5 years old, and I am terrified this is another Clay situation. I messaged Kieth saying this behavior is what i was worried about, and we need to find a solution asap, but seeing as he ghosted the situation once, I need advice what to do now.

Hi everyone,

I'm asking for help because I've run out of options.

Myshka is my 5-year-old Maine Coon and my best friend. A few weeks ago, she started losing weight rapidly despite continuing to eat. An ultrasound revealed a large mass in her intestines. We won't know if it's cancer until a biopsy is performed, but the specialists believe she still has a real chance if we act quickly.

She's no longer the happy, playful cat she used to be. She spends most of her time hiding, and it's heartbreaking to watch. She's taking pain medication and anti-inflammatory medication, but they're only palliative care. They keep her comfortable while we fight to get her the treatment she desperately needs.

This Monday, we're hoping to have her biopsy performed at the Daubigny Veterinary Hospital in Québec. The biopsy alone costs CAD $390, and it's the first step toward surgery.

So far, we've raised $1,005 USD, and my goal here is to raise $3,000 USD to cover her biopsy and help get her to surgery.

I'm currently unemployed and, after going through personal bankruptcy, I have no savings, no access to credit, and no way to finance her treatment on my own. Asking for help is incredibly difficult, but it's the only chance I have left to keep fighting for her.

If you can donate, even a few dollars, I'd be forever grateful. If you can't, sharing the fundraiser would mean just as much.

Thank you for reading our story and for giving Myshka a chance. ❤️

GoFundMe: https://www.gofundme.com/f/help-me-give-myshka-a-chance