I am 44 years old and have worked ever since leaving education at 18. I come from a family that didn’t have much money and as I’ve grown older, I realised that this shortage of money was due to a lack of financial intelligence. My parents spent every penny they had. I was young and impressionable so I thought that was how to manage money. How wrong was I!
By the time I was thirty I was over twenty thousand pounds in credit card debt and was struggling to make ends meet. By now I was married with kids, which was and is great, but the weight of not successfully managing the household finances was making me anxious and depressed.
And then my world started to unravel. One of my children got seriously ill as was diagnosed with type 1 diabetes. This was hard to deal with as he only two years old, but thankfully he pulled through and now, although he has this condition for life, we have learned to accept it for what it is and are just grateful that he is able to receive the medication he needs.
A few years passed. I managed to pay off some debts by living quite a frugal life, but we still owed a figure number in credit card debts. It felt like the interest was increasing as the credit card companies could see there was no easy way out of this for us. Would we ever get out of this and have any money to spare?
And then it happened again, another one of my kids was diagnosed with diabetes. This was the final straw for me. I spiralled into depression and starting spending to make myself and others feel better. It didn’t work.
As we pulled together and back to some sort of normality, I find myself here and now, a few years later, typing a begging email for your money. It is what it is. I’m not going to disguise the fact that I feel ashamed to be doing this, but the fact is I’m still about £5k in credit card debt which I need to pay off before I can even think about paying a mortgage, and I need your help.
I’m tired of worrying about it all. I think my family deserves better. Any donation would be great, especially during the current situation with COVID 19. I am worried and want to shield my family the best I can. If that means swallowing my pride and asking for help then so be it.
Sorry for the morbid tone, I’ve never done anything like this before.
I truly am grateful for any amount you want to donate