I’m slowly realizing that my credit debt is again compounding to the point where I can’t pay it off every paycheck now. Worried it might snowball like it did before I paid it down.
Im also 200 bucks behind on rent and it’s the second month I’m incurring a late fee.
It feels like it’s slowly inching towards bad.
I’ve already cut out expenses like therapy and am trying to nickel and dime all my food.
The refunds alone would put me back in good shape and the stimmies would provide some savings I need.
What the fuck do I do to get my money? Or should I just take out a loan? Maybe borrow against my shitty retirement plan?
Did you contact the IRS about your missing checks or do you mean you never got them and never followed up because you didn't need them at the time? Or did you put that you got them on your 2020 taxes?
If you're missing your refunds you also need to contact the IRS. Your state treasury should hold your money for state taxes if you didn't get those either. So contact them as well. You're going to have to spend a day on the phone or write a bunch of emails.
https://www.irs.gov/coronavirus/get-my-payment
Taking out a loan wouldn't help unless you knew you could pay it back soon. They're going to look at your credit utilization and see that you're maxed out/underwater. Which means the loans you're most likely to qualify for are bad loans. Talk to your bank and see what they can do. Stay far away from payday loan agencies and "i need cash now" businesses. They would stick you with an untenable interest rate and you might as well just eat some late marks on your credit score. Since rent is more important than paying off credit cards, when you talk to your bank, get enough to cover rent. Don't try to borrow enough to pay off everything.
Are you still getting card offers? If your credit accounts are in good standing, and you're getting offers for 0% interest accounts, transfer your balances to something with no interest.