So I have borrowed money from my parents bc times have been hard I’m behind on a couple bills so all my money goes on…

I'm also from Toledo. Maybe try finding somewhere cheaper to live $950 is a lot for r city!! And try going to hipp for your utilities. And I know some food banks in the area also. Theirs a fb page called help feed Toledo. Join them their awesome!! Also donate plasma.I just started the one on dorr by collingwoof $75 for the first 4x!!! U can go twice a week. I have a card if u go u will get a extra $10 if u say I sent u.

Maybe you can give it back to him in bits and pieces vs all at once. Like $30 every paycheck from everybody or $20 until it clears your debt with him. Only bc I’d want my money back too, & with all the bills y’all have & high rent .... y’all might need to borrow from him again but you don’t wanna burn your bridges by not paying him back.

Can you get on a payment/budget plan with the utilities? We got behind on our electric due to when I broke my wrist and haven’t gone back to work since I’m back in school full time. I called them up and asked to work with me, and dropped the bill into sections and it’s usually a good deal. You should look into it! It helps a lot.

I'd ask your dad and the electric company (a lot of times they have hardship plans in place) for a payment plan as others suggested, look for quick easy jobs that you can do for money. (Babysit, cut grass, clean houses, etc) and cut out unnecessary bills like cable, etc.