Please help me with my desperate financial situation

I don’t really like talking about my personal problems or asking for help, but I don’t really see a better way to get out of this.

The last year has been a real struggle and I was mostly able to get by, but then everything piled up on me all at once.

In 2018, I had to leave my job teaching kindergarten for health reasons. I tried to find other jobs that were similar and was able to work enough to support myself, but by the end of the year, I was finding it harder and harder to do and was still unable to focus on my health.

In January of this year, I decided to look for work that was completely different from teaching, so I could support myself with something that was less physically demanding than taking care of toddlers. Eventually, I found an office job in the education field. It was a dream come true, but that’s also where my financial situation went from barely manageable to impossible.

Because this new job wouldn’t start until April, and the first payday wouldn’t be until May.

I did what I could to lower my bills. I didn’t go out or see my friends. I tried to spend my days waiting for my new job to start by occupying my time with things that didn’t cost any money.

At the time, I was able to borrow some money to help me pay rent and by food. But I wasn’t able to pay everything, so I’d have to push off some bills one month to the next.

Finally, my new job started and I started being able to build back up my financial situation to being barely manageable. I wasn’t able to make all the payments all the time, but I was getting to a point where I felt like I could start doing things again without breaking the bank.

And then, I was blind-sided. Over a two-week period, I was hit with requests for payment totaling over ¥350,000. I had been paying things back little by little, but that just wasn’t enough.

I was able to negotiate a split payment plan for one request, and used my salary to cover some of the other cost. I had the great idea to pay the large requests from two credit cards and then use the cards to pay my taxes. However, the cards limited my account and I wasn’t able to cover any other payment requests. I also wasn’t able to pay my rent or other bills. And since I work in Japan and only get paid once a month, it’s a real struggle to make it to the next paycheck.

I am trying to find ways to come up with the money to make the payments myself, including trying to sell most of my things and taking on extra overtime when I can. But, the stress is really taking it’s toll on me and my health, and it’s hard to keep pushing when you’re running on empty.

I am most concerned about making my rent payment to keep a roof over my head. I am also worried about not being able to pay my taxes and other things as they could grow into even bigger problems if left unchecked.

I am trying to stay positive and keep my head up, but it’s really hard with all of this weight on my shoulders. The amount I am hoping to raise would not be enough to pay all of my bills, but it would definitely make the load lighter and easier to bear.

If you are able to help out at all, it would be greatly appreciated.