There are a lot of people here who need help so I'm not terribly hopeful, but here goes. I am mentally ill. I have type II bipolar disorder, borderline personality disorder, and obsessive compulsive disorder which partially manifests as hoarding disorder. I have hoarded objects, not animals. I have 5 cats, which some may think is "a lot of cats" but it does not qualify as animal hoarding. I am working on the hoarding problem but it is an uphill battle. Sometimes I do better than others.
In spite of my mental illness, I do work. I make well above minimum wage, as I make $17 an hour. I work 32 hours a week. This is about all I can do without it making me extremely depressed or physically sick. I also have fibromyalgia and sciatica as well as asthma and mild hypertension.
I fall into a marginalized category. Because I make the salary I do, I do not qualify for food stamps. However, once taxes and insurance are taken out of my pay, I only take home about $1400 a month. I am in an upside down mortgage in a mobile home and my credit is damaged. Thus refinancing seems to be out of the question--no-one will touch me. Between mortgage and lot rent, I pay $1100 a month.
My mother has helped me out for several years with utility bills. I do not eat much except at work. I get things like cheese whiz and crackers and canned fruit juice or jello that does not need refrigeration when I am at home as I do not have a working refrigerator.
Last year my mobile home incurred very bad damage when the water heater started leaking and I didn't know it until my son realized that the carpet in the hall was wet. The walls and floors of 3 rooms had to be removed. Overall the repairs cost over $20,000. My mother helped out with this. But she is stuck with my late father's medical bills and really can't help any more. I am ashamed to ask her for help anyway.
I do not have working plumbing except in the bathroom sink. Fortunately I am able to shower and wash my clothes at work. I do not have much in the way of furniture but I'm not so worried about that.
I still owe $43,000 on this horrible 15% mortgage, which I have had for 10 years. The original mortgage was $45,000. You can see that I am mostly paying interest. I am in a no-win situation.
I just got through paying off a bunch of payday loans that I had to take out when I was doing a month unpaid internship to obtain my LPN license last April. I also maxed out my credit cards. I still owe about $1200 in credit card bills. This destroyed my credit, which I had worked very hard to build back up to a passable score.
I have medical issues which I have not been able to afford to take care of and I have not been to a dentist in 6 years.
I feel very depressed most of the time and think about suicide every day. I am not a lazy person but I have had a lot of barriers to my success in my life.
It seems that if I had nothing at all there would be some resources from me. But since I am working and have this mobile home I fall into the Twilight Zone where no-one can or will help me.
Thanks for reading.
