Dear Empty Bag,

I understand how you feel about financial hardships and struggling. There have defiantly been times in my life where I have felt the same way too. It sounds like your job allows you to pick up extra shifts and that is positive. It gives you the opportunity to be able to make some extra money when you need it, like you mentioned about being able to attend your friend’s birthday out of town. The $150 that set you back is temporary and I realize that right now your big concern is about being able to pay your rent that you are behind on. Do you have anyone you can borrow from or is there another bill you could hold off on for now in order to pay it? There are different programs which are available to help with paying utilities if that might be something that is able to help you. Life does happen and when it happens it is good to have a plan. I would like to meet with you and work out a plan. Have you ever considered making a budget that allows you to start building a “rainy day fund” it can start with just saving a small amount each paycheck? Do not let what other people are doing get you down. While other people seem to be living their best life, it isn’t always as it may seem. Try not to be discouraged I am here to help you in any way that I can.

Sincerely, Rosey