DEAR HARRIETTE: I feel like I never catch a break. I have a low-paying job, debt from school loans and bad choices, and a car that is cutting out on me. I could keep going, but it gets depressing just thinking about it. I have cut back my expenses dramatically since I have had this job, but I can’t seem to get out of the hole. Just trying to pay minimums on my credit cards is close to impossible.

I have a girlfriend, and I can hardly take her out on dates. I know I got myself into this situation, but it makes me so sad. I feel like if I don’t get it together, she is going to leave me. I try to put on a good face, but who am I fooling? I am tired of pretending like it’s getting better when it isn’t. I don’t have the skills to get a better-paying job right now. What can I do to turn the corner? -- Drowning in Debt, Denver

DEAR DROWNING IN DEBT: You have taken the first step by admitting your problem. The next step is taking action. You can get support to help figure out a path to financial freedom by engaging a credit counseling service. Often, it will look at your finances and recommend debt consolidation that it negotiates on your behalf to drive down interest rates. The challenge with this is that your credit will be frozen during the period that you are paying down your debt. The good news is that when it’s finished, you will be able to rebuild your credit starting with a clean credit history. To learn more, go to advantageccs.org/services/online-credit-counseling.

One other thing you can consider is to get a second, part-time job to supplement your income. Many people work two jobs to make ends meet. You will have to deal with time management challenges, but you can figure that out, too.

DEAR HARRIETTE: In a recent column, you advised a woman with a drug-addict boyfriend to attend Al-Anon, which you said was for people with a relationship with an alcoholic and/or drug addict. It is not. It is for families and friends of alcoholics. For families and friends of drug addicts, there is Nar-Anon; for drug addicts, there is Narcotics Anonymous. -- Clarification, Memphis, Tennessee

DEAR CLARIFICATION: Thank you for letting us know about the support groups available for drug addicts and families and friends of drug addicts. I do know that in some instances, Al-Anon has helped people whose loved ones were drug addicts, but I believe it may have been because they were alcoholics, too. Nonetheless, it is helpful to be specific in directing folks to resources that can help them. I appreciate your writing in.

For anyone who is suffering from substance abuse, I urge you to get help. You do not have to travel this journey alone. Same goes for families who are struggling with loved ones who can’t seem to get clean. Being isolated can be disabling. Get help. You deserve it.

(Harriette Cole is a lifestylist and founder of DREAMLEAPERS, an initiative to help people access and activate their dreams. You can send questions to askharriette@harriettecole.com or c/o Andrews McMeel Syndication, 1130 Walnut St., Kansas City, MO 64106.)

DEAR HARRIETTE: My neighbor recently had a baby, and I am so happy for her. I like her a lot and want to support her, but I do not want to invite her to my apartment. As much as I try, I am not neat -- my friends even call me a hoarder. My common areas are clean enough, but I am still embarrassed to invite her over.

Because my neighbor is staying at home, she has asked in one way or another for us to get together. I feel like it’s odd that I don’t extend an invitation to my place. Should I invite her over and let her decide? I am super private. I’m also always thinking I will get it together one day and have a tidy house. But right now, my next-door neighbor needs me. Should I open my door? -- Pre-Hoarder, Brooklyn, New York

DEAR PRE-HOARDER: Here is a perfect opportunity for you to face your demons as you reach out to your neighbor. You have not described the degree of your hoarding. If you believe that your home is unsafe for a child, it would be wise for you to get help to clear out your home so that you can safely invite a family with an infant to visit. If you are just messy, you can be honest with your neighbor and tell her that you want to invite her over, but you are concerned that your home might not be clean enough. Suggest that she come by alone first. If she thinks your common area is acceptable, you can invite her to bring her baby over.

Mothers with newborns need connection. If your home is not an unhealthy environment for her and the baby, your neighbor may be able to look past the mess.

DEAR HARRIETTE: I referred my cousin to a company for work because she was out of a job and I knew she would do great work for them. She was hired, and she has done well. Her problem is that the employer doesn’t pay minimum wage, even though the job calls for a professional employee. She likes the work, but is barely scraping by. Whenever she approaches her boss about overtime or her salary, she gets the brush-off. Her boss says that she is being ungrateful and maybe she should leave. That sounds like a threat to me. I want to complain on her behalf, but I know she needs the work. How can I help her? -- Helping My Cousin, Syracuse, New York

DEAR HELPING MY COUSIN: Your cousin should think about her next job even as she considers lobbying for better wages at her current job. Standing up for yourself is part of the American way, yet it is often incredibly difficult. If your cousin can gather facts and figures to tell her boss why she deserves more pay, she can present that. Even better would be for her to find another job where she feels secure and respected.

It is the law that all employees, except those who make tips, are paid minimum wage, so long as the business earns more than $500,000 per year or if any transactions occur across state lines. For more information, go to dol.gov/general/topic/wages/minimumwage.

(Harriette Cole is a lifestylist and founder of DREAMLEAPERS, an initiative to help people access and activate their dreams. You can send questions to askharriette@harriettecole.com or c/o Andrews McMeel Syndication, 1130 Walnut St., Kansas City, MO 64106.)

DEAR HARRIETTE: I have been going back and forth with the idea of attending graduate school to receive my master’s degree. There are many reasons for my waffling: I don’t have enough money to attend, so I would need to receive some sort of scholarship or loan, and I am not sure what graduate program I want to do. Another reason I am conflicted about the idea is the timing of it. Should I be attending graduate school immediately after I received my undergraduate degree, or work for a couple of years to gain experience and then go back to school to earn my master’s? What do you think is most beneficial or looks best to a prospective employer? -- Master's Degree Debate, Philadelphia

DEAR MASTER’S DEGREE DEBATE: Timing for graduate school is an important decision that prompts many questions. Think about what you want to do for your career. Ask yourself what your career interests are and what steps you need to take to get there. This includes both the education track and the employment track. Can you find a job in your area of interest so that you can gain experience as you earn money? Can you look around for scholarships for your advanced degree or find a program that is relatively affordable? Could you work as a teacher's assistant to offset the costs? Exhaust your options, and write them on a list to compare working first versus going to school immediately. Evaluate your research to decide what your heart and gut tell you to do.

DEAR HARRIETTE: I am moving to Philadelphia in a couple of months, and I am deciding who I want to live with. I am a social person and have a bunch of friends I could possibly live with. My grandfather works in real estate and told me he can get a great apartment for me, but it is a one-bedroom, meaning I would not have any roommates. I am thinking about taking him up on his offer, just because it is such a great deal financially. I also keep thinking about how lonely I might be if I do decide to live alone -- I have never lived alone before, so it is a little nerve-wracking. What is your opinion on living alone versus living with roommates? -- Living Solo or Not, Atlanta

DEAR LIVING SOLO OR NOT: Living alone and being able to make your own rules is a luxury. Your grandfather has offered you a gift by finding an affordable one-bedroom. Typically, when young people are starting off, they need roommates in order to pay the bills. My vote would be to live alone and build your network of friends peripherally.

That said, if you truly believe that you will feel isolated and lonely, ask your grandfather to find you a two-bedroom apartment. Since he is in real estate, chances are he can find you what you most want. If you choose to have a roommate, make sure that person is responsible. You should both sign the lease so that you are not soley responsible for any damages. Having a roommate can be fun but challenging.

(Harriette Cole is a lifestylist and founder of DREAMLEAPERS, an initiative to help people access and activate their dreams. You can send questions to askharriette@harriettecole.com or c/o Andrews McMeel Syndication, 1130 Walnut St., Kansas City, MO 64106.)