Hello. My name is Sarah. I am a young(ish) adult working full time in Alberta.
I'll give as much context as I can.
8 months ago, I was at the end of an alcohol addiction, but still functioning at work and with general daily errands. I keep very, very few close friends that I consider family and last spring, some of them, who do not drink, cut me out of their lives completely because of how draining I had become. Two days later, another, who was also an alcoholic like myself, was found dead in her house because of alcohol related organ failure.
I was in shock over the next few weeks, so much so, that I had quit drinking completely. I have been sober ever since my friends funeral last May, not even out of effort, but it somehow wrecked me enough that I had completely forgotten about it.
Immediately, I had started weekly therapy. My insurance only covers $300 a year, so that was used up within a few visits. Although I work full time, I work at minimum wage. But I felt it was worth the money. I was on a sliding scale at $75 a week and thought I would be able to cut down on things to make it work. I also started medication, which is thankfully 80% covered.
I quit smoking and started grocery shopping at the dollar store to try and make up for the counselling, as well as worked overtime when I was allowed to do so. However, about 3 months ago, my health began to decline. And this is where control of my finances went from recovering to declining beyond repair.
I am already quite small and was losing weight rapidly, I noticed my hair starting falling out in little handfuls and I was having difficulty lifting things or focusing at work. Through collaboration with my therapist and my work supervisor, I was put on a 2.5 week stress leave in October as I was no longer able to function at work and was mentally deteriorating. (working through what is possibly delayed on-set ptsd)
When I came back to work, I was incomparably better and much more equipped to work and handle day to day stress. However, I knew I would have to figure something out for rent and my automatic bill withdrawals. I work in a lesser known skilled trade (wage is hard, but I love the job and try to make it work) and I am also a freelance artist in my off-time.
I tried my best to hunt out some commissions in a short period of time, but was unsuccessful in making enough to cover. I have little contact with my family and have recently lost all of my friends (indefinitely?), so I am unable to borrow. My job does not allow advances of this amount. I don't know anyone anymore, so I don't have anywhere to share this
I was able to secure several payday loans to cover my rent for November. But because of this, the automatic repayments for the loans and their interest have put me in the negative. I know payday loaners should be avoided at all costs, but at the time, I felt like I had no other options and just wanted to make it through that month.
I have lived in my apartment for 2 years and this is the first time I have been unable to pay rent. I am usually resourceful but I believe I have come to the end of that. I had spoken to my landlord last week and he was understanding of the situation and has given me until December 15th to come up with rent for him.
Also, due to an extremely unusual shortage of work, staff have all been sent home twice this week. I was actually just phoned again today and asked not to come in on Monday. My supervisors have been incredibly supportive throughout this whole ordeal, but are unable to help financially.
My rent is $1075. I expect my cheque to be around $700-$750(It's normally about $1200) I still have the last of my payday loans coming out, as well as my bill payments, which will put me back in the negative. I have halted counseling 2 weeks ago, but hope to continue once I am financially stable
I would need $2000 to be able to break even and begin rebuilding again. My goal is to be able to completely recover, gain housing stability and be able to move forward with my health and life.
I feel I have done everything I can think to do and I wanted to ask for help.
Thank you for your consideration