help paying off bills

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Listing Information
Amount: $3,000.00 Status: Expired
Grade: HR DTI: 30%
Lender Rate: 35% Borrower: twistedsugar_1
Time Left: Finished State: UT
Funded: 7% Group: (No Group)
Purpose of loan
I need to pay off my credit card and get caught up on my bills. I have made some stupid choices with money by doing payday loans and the cash call thing. I need to get my life back in order and in order to do that i need to get caught up. I have 2 kids and this is starting to effect there lives and I just can't have that. please help!
My financial situation: 
I have a steady full time paycheck every 2 weeks, I have been with my job for 4 years, and I am looking for a second job. I am willing to do anything to make the payments on time and pay it off. I am ready to get my life back in order.I am also getting a raise on the 1st of aug. that will be pretty good.
Monthly net income: $ 1500.00

Monthly expenses: $
  Housing: $ 355.00
  Insurance: $
  Car expenses: $ 120.00
  Utilities: $ 150.00
  Phone, cable, internet: $ 100.00
  Food, entertainment: $ 145.00
  Clothing, household expenses $ 100.00
  Credit cards and other loans: $ 1000.00
  Other expenses: $
Borrower's Other Listings
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159321 help paying off bills HR $1,000 @ 29% Jun 27, 2007 Loan created
375889 help paying off bills HR $3,000 @ 35% Jul 31, 2008 Withdrawn
378765 help paying off bills HR $2,900 @ 35% Aug 06, 2008 Withdrawn
381719 pay of debt and get my feet under me HR $2,800 @ 35% Aug 12, 2008 Withdrawn
382040 pay of debt and get my feet under me HR $2,000 @ 35% Aug 13, 2008 Withdrawn
382501 pay of debt and get my feet under me HR $1,500 @ 35% Aug 14, 2008 Withdrawn
382503 pay off debt and get my feet under me HR $1,500 @ 35% Aug 14, 2008 Expired
386075 pay off debt and get my feet under me HR $1,500 @ 35% Aug 21, 2008 Loan created

 

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