Crying on the Inside

I'm hurting so bad. Two days ago I bounced a check by mistake, and it was one written for an application fee for Hallmark. I was manic until I got the news, then thinking about all the times I’ve screwed up with money set me into a depression I haven't been able to shake since. Today I spoke with one of the FA officers about budget planning for the year to come. Dad wont co-sign a loan for me and i understand that, but since my credit score is something like 499, I'm screwed if i want to get a loan of my own.

Trying to talk to people has become exasperating because I don’t know who to trust anymore.