Q: I just finished a 28-day rehab program for alcohol. I’m proud of myself, but when I came home, I realized my financial life is a mess. I’m behind on rent, my credit cards are maxed out, and I haven’t had a job in six months. I’m overwhelmed and don’t even know where to start. What should I do?
A: First off — welcome back. You’ve already done one of the hardest things a person can do: take control of your life and your health. That took strength. Now, you get to apply that same strength to your financial comeback.
You don’t need to fix everything overnight. Let’s take this one step at a time.
Step 1: Secure Your Essentials
Before worrying about credit scores or debt, focus on survival:
- Housing: If you’re behind on rent or at risk of eviction, call your landlord and explain your situation. Some will work with you. Check local nonprofits or reentry assistance programs for emergency rental help.
- Food: Apply for SNAP benefits (food stamps) if you qualify. Local food banks can also bridge the gap.
- Health: Make sure you have access to continued care or therapy post-rehab. Many states offer low-cost or free support programs.
Step 2: Get Some Income Flowing
This isn’t about landing your dream job — it’s about getting cash in the door while you stabilize.
- Gig Work: Consider jobs that don’t require background checks or long-term commitment — food delivery, cleaning services, warehouse work.
- Temp Agencies: They can place you fast, even if your work history is spotty.
- Recovery Networks: Some employers specifically hire those in recovery — check with your rehab center or sponsor for leads.
Even $300/week can stop the financial bleeding while you plan long-term.
Step 3: Sort the Chaos
When you’re ready, sit down and list:
- What you owe (credit cards, collections, rent)
- What you need monthly (bare minimum expenses)
- What you make (or expect to earn short-term)
No guilt. Just facts.
Now you have a starting point.
Step 4: Triage Your Debts
Here’s the order to worry about things:
- Rent / Housing
- Utilities / Phone
- Transportation (if needed for work)
- Minimum payments on active credit cards
- Everything else (collections, old bills)
If something’s already in collections, don’t panic — they can wait. Focus on keeping your current life stable.
Step 5: Don’t Go It Alone
Shame is heavy. You don’t have to carry it.
- Ask a friend or sponsor to help you go through bills.
- Call credit counseling services (NFCC.org) — they offer free, legit help.
- Look for a case manager or reentry program that works with people post-rehab.
You’re not weak for needing help — you’re smart for asking.
Step 6: Track Tiny Wins
Recovery is a long road. So is financial healing.
- Celebrate when you make a payment.
- Celebrate when you skip a purchase.
- Celebrate when you ask for help instead of hiding.
Momentum builds fast once you’re moving.
You’re Already on the Right Path
You might not see it yet, but you’re ahead of the game. Most people stay stuck. You chose change — and that decision ripples into every part of life, including money.
You don’t need to be perfect. You just need to keep going.
You’re not alone.
