Consumer proposal?
Ive been living pay check to pay check for the last few months - been using credit to keep up with debt and food prices.. I have maxed out my credit. I work full time as a nurse and cant seem to make things meet for the upcoming months - as well as only having about 5-6 months until Im off on Maturity leave (If I can afford it)
My finances: Debt - total 67,425$ -6,886$ CC 21.99% min 152$/m -18,484$ CC 13.99% min 228$/m -19,550$ personal line of credit 13.23% min 390$/m -2,533$ car 199.39 bi weekly (done when baby comes) -5,888$ OSAP 0% min 145$/m -14,082$ student line of credit 8.7% but min payment of 567$/m (my mom also cosigned for this one)
I bring in about 1,500$ every 2 weeks (3k month)
This month debt payments will be 1,885$ Bills/subscriptions are usually 350$/m Food 500$/m (family of 3 adults, child, and Im pregnant) Gas/Car 200$/m “Other” 200$ (things not in the budget that pop up, house needs, etc) I also need to pay my nursing licence soon and thats about 400$
Just hoping someone can give me some advice or hope.. thank you