Im so stressed out.
Im only 17, turning 18 this year. At this phase I have too much to think of...too much attention to give to my studies since im on my last year of high school. My social life. My family life. Crucial life decisions like what I would like to study for in college, and a bunch of other small things. Im especially stressed out because of my family life. My mom is having debt problems. During the last couple of years, she's had to borrow from a lot of friends and loan sharks with really high interest rates. She had to, because my older brother needed help staying in his apartment and, a while later, needed to be bailed out of prison.
Ever since, my mom has been trying to service these debts but they're just so overwhelming. She borrows other lenders to pay debts that are long overdue, just to stall. This worsens her situation even more. She hasn't been able to work because of the coronavirus outbreak which led to the hair salon she works at getting closed down. My dad works at a hotel and it's only a matter of time before he also has to stay at home. He still has to pay for all the bills in the house, not to mention my school fees. For this reason,he doesn't help my mom much in clearing up the debts. In terms of our financial situation, I would say we're barely managing at this point.
She tries often to get some money by gambling, yet it makes her lose more and more. I've tried helping her to stop but she winds up going back. She usually misses the jackpots by one or two games and this makes her so frustrated that she tries again because she "came close" losing more money.
Although there are times that she has won some substantial amounts of money, but they either go to debt servicing or for buying groceries and other small things.
I consider myself a pretty lucky person myself which is why I decided to open up a twitter account in November 2019, specifically meant for entering giveaways and competitions.https://twitter.com/samrn2k
I won a Glovo voucher worth 3000KSH (30$) which helped a lot in buying groceries on behalf of my mom. Apart from that, I haven't got any luck ever since but I still try.
I promised I would help my mother out because I had come across a lot of cool different ways to make money online. This gave her a lot of hope, so she managed to convince her creditors to wait till April. But it was easier said than done. Im facing too many setbacks. Most online jobs require capital to start, which I don't have. Also most jobs are US-based and don't accept minor countries like mine (Kenya). Freelancing seemed like a good idea but I don't have nearly enough skill that people would actually hire me. and as April comes nearer, my mom says the thought of all that debt makes her tremble. I feel so sad for her that it's making me depressed, especially because I can't do anything for her at the moment.
The goal I set is for the debts that have their deadlines running too close or that are long overdue. At least once she's done with those, she can finally get back on her feet and pay the rest.
Any help would be gladly appreciated. Thank you. (Maybe even a job I could do, I don't know)