[timetosave]

that's my problem...there should be no reason I am living paycheck to paycheck...I guess that is where I need to start. Right now (and for the past 3 months or so) it has been going to my 11yo dds needs - school related. We are almost finished. But I've been making this money for a year now and really have nothing to show for it. I just don't know where to start or how to stop doing what I'm doing wrong. That is why I'm here. I've seriously looked into taking a second job but with a disabled husband and an autistic 8yo there simply is no way unless I can figure something out online (working on figuring this one out) right now I need to feel more in control so I can relax and get to what I need to do...I've been looking at every loan program online for poor credit (I think having one payment a month will aid in the feeling of control) but I'm afraid of all of them...I'm already down and don't need to get kicked while I'm there.

My local banks have all said no, my bad credit does not allow me to get credit...I could just wait it out...that is the loser in me talking...I really want to get this under control

thanks