Iâm going to give you the best piece of Adult Life Is Hard advice Iâve ever learned:
Talk to people when things go to shit.
I donât just mean get it off your chest, although thatâs good. I mean: Somethingâs wrong with your paycheck/you lost your job/you had unexpected emergency car repairs and now youâre broke so your credit card payment is late. Like, not just 15 days late. Weâre talking, shit got crazy and now youâre 90 days late with compounded interest and late fees and the Minimum Payment Due is, like, $390, and youâve got about $3.90 in your bank account. Call the credit card company.Â
I know itâs scary. I know you feel like youâre going to get in trouble, like youâre gong to get yelled at or scolded for not having your life together. But the credit card company isnât your parents; theyâre just interested in getting money from you. And you canât squeeze blood from a stone or money from someone who doesnât have any. So what you do is you call them. You explain youâre experiencing temporary financial hardships, and youâre currently unable to bring your account up to date, but you donât want to just let it get worse. Can you maybe talk to someone about a payment plan so you can work something out? Nine times out of ten youâll be able to negotiate something so that at least itâs not just taking a constant, giant shit on your credit score.
- Canât pay your power bill? Call the power company.
- Canât pay your full rent? Talk to your landlord.
- Had to go to the hospital without insurance and have giant medical bills looming in your place? Call the hospital and ask if they have someone who helps people with financial hardships. Many do.
- Got super sick and missed half a semester of class because flu/pneumonia/auto-immune problems/depressive episode? Talk to your professor. If that doesnât help, talk to your advisor.
You may not be able to fix everything, but youâll likely be able to make improvements. At the very least, itâs possible that they have a list of people you can contact to help you with things. (Also, donât be afraid to google things like, âI canât pay my power bill [state you live in]â because youâd be surprised at what turns up on Google!) But the thing is, people in these positions gain nothing if you fail. Thereâs no emotional satisfaction for them if your attempts at having your life together completely bite the dust. In fact, they stand to benefit if things work out for you! And chances are, theyâll be completely happy to take $20 a month from you over getting $0 a month from you, your account will be considered current because youâve talked to them and made an agreement, you wonât get reported to a collections agency, and your credit score wonât completely tank.
Hereâs some helpful tips to keep in mind:
1. Be polite. Donât demand things; request them. Let me tell you about how customer service people hold your life in their hands and how many extra miles theyâll go for someone who is nice to them.
2. Stick to the facts, and keep them minimal unless asked for them. Chances are theyâre not really interested in the details. âWe had several family emergencies in a row, and now Iâm having trouble making the paymentsâ is better than âWell, two months ago my husband wrecked his bike, and then he had a reaction to the muscle relaxer they gave him, and then our dog swallowed a shoestring and we had to take him to the emergency clinic, and just last week MY car broke down, and now my accountâs in the negatives and I donât know how Iâm gonna get it back out.â The person youâre talking to is aware shit happens to everyone; they donât need the details to prove youâre somehow âworthyâ of being helped. They may ask you for details at a certain point if they have to fill out any kind of request form, but let them do that.
3. Ask questions. âIs there anything we can do about X?â âWould it be possible to move my payment date to Y day instead so itâs not coming out of the same paycheck as my rent?â The answer may be âno.â Thatâs not a failure on your part. But a good customer service person may have an alternate solution.Â
Anyway! I hope that helps! Donât just assume the answer is ânoâ before youâve even begun. There is more help out there than you ever imagined.
Hey guys, this is an old post, but itâs still relevant, and I thought Iâd re-up it for living in COVID times when a lot of people are losing income. Donât be afraid to toss that in when you call to ask for help! âIâve experienced a loss of income due to COVID-19âł is gonna be all you need to say for most places, because wow let me tell you how much this is the case. A lot of places are setting up COVID-19 specific relief policies, so this may be even easier than normal.Â
Good luck, stay safe, stay inside if you can, and wash your hands. <3Â






















