bad because i need new brakes but i can't afford them so i'm downshifting to stop and praying since i need to drive for work plus i realized last night that it's impossible to pay my cc debt down each month so it's going to just continue to snowball which is bad because that's how i pay my rent and i have nowhere else to go if i get evicted when my cc hits its limit. the only thing that'll solve my problems is $20k and idk how to get $20k. i already work all day 7 days a week.