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[quote=Anonymous][quote=Anonymous]I have 2 girls - 25(graduated from Pitt) and working at a small jewelry store as e-commerce manager, second is 21 and still in college. They are already tight with their money and I don’t expect any support from them and get them gifts during birthdays or holidays.

Reason of being depressed and super stressed is because I broke up with my fiance a few months ago and he was kind and very supportive and helped me out with loans too but we were arguing a lot and I ended up getting my own place. [/quote]

You are 42 and your oldest is 25. So you had your first child at 17. It seems to me that you faced adulthood earlier than most.

Here is my advice for youm I have been divorced for 2 years and I do not have any plans on remarrying or even dating seriously. My priority is rebuilding my finances. That should be yours as well. In a way it's good you broke up with your fiance because frankly you need to work on yourself and your fiances first. Are you seeing a therapist? You can go forgo sex or companionship for awhile. Put all your energy on your fiances.

First you must know the nearest cent your budget. Put this budget in excel and then print it. Add up all your expenses and substract your income. Every month you are in the red and this deficit keeps growing. Once you know the exact amount take that number write it down on a separate piece of paper and circle it. Stare at that number over several days. This will show you how dire your situation is.

Next call your credit card companies. Tell them how much you can pay. Most will work with youm Then look at your expenses for each line time find the maximum you can save. Once you add all of this up, go back and substract it from that number you wrote on a separate piece of paper.

Your goal right now is to STOP your monthly budget deficit from growing month after month.

Good luck [/quote]

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