history: I've got a lot of bills that are overdue, and can't afford to pay them yet. I'm really worried about my financial future right now. Finances aren't great right now. I've got a lot of bills that are overdue_comma_ but I can't afford to pay them :(
current: I'm there too. Struggling each day. It really gets old.
next: I'm sorry we're both in this situation. It really sucks, and it feels unfair because it's not for lack of effort.