Hello,
I come here swallowing all my pride to ask for financial help, I grew up with an education that forbids asking even when it’s difficult but this has become too much for me.
I’m a married woman with 3 children and my mother lives with us. At the time, I wanted my parents to live with us because they were ill and I wanted to be able to keep an eye on them because I didn’t want them to be alone in their old age. My mother was recovering from breast cancer and my father had Alzheimer’s disease. He died a few years ago; my mother is now a widow.
The 6 of us have been living in a house for nearly 10 years, which we’ve been trying to renovate until now so that we can live comfortably; the renovations still haven’t been completed because we’ve often encountered financial difficulties.
I was working and earning a decent salary, but I was made redundant. I then wanted to set up an events business, but being on my own I’m overwhelmed by the work and despite all my efforts I can’t manage to pay myself a decent salary, not to mention the fact that I’ve been waiting several months now for payment from certain customers.
My husband works hard, puts in extra hours and deprives himself of a lot of things to pay for shopping, children’s affairs, housework and everything else we need, but his salary isn’t enough to pay all our bills.
Today, we have to cope with mortgage payments, car loans, taxes, insurance, day-to-day expenses and we’re accumulating unpaid bills and bank overdrafts…
What’s more, we’re in dispute over a Van we bought 3 years ago; the car we borrowed €19,000 from the bank for broke down after 7 months (the engine no longer worked). The seller swindled us; we’re trying to get justice but the case is still pending and we’re still paying a loan on this vehicle that we don’t drive.
We’ve always managed to keep our heads above water, but now we’re broke.
We’ve even taken out loans to pay off a few debts, as we thought we’d be able to do so in the future, but the situation isn’t getting any better…
As I speak, we’re over €5,000 in debt this month alone. I’ve been looking for a job for several months, I’ve applied but I’ve had no positive response. If we had no more debt, no more loans, we’d be relieved and I could even be less demanding in my job search.
If someone were to ask me today what the ideal amount would be to get out of this situation completely, I’d say without hesitation €500,000, because this sum would pay off absolutely all our loans and free us from debt… on our home loan we still have around €300,000 to pay off, our combined car loans have €20,000 left to pay off, the various loans we’ve taken out to pay off certain debts + our overdrafts make a total of €8,000.
This brings us to a total of €328,000.
The remaining €172,000 would be used to finish the work on our house so that we can live comfortably, and we could then, with our jobs – because I’m still hoping to find a job soon – save money to avoid taking out any more bank loans.
Honestly, I’m really really tired of this situation, which has been going on for several months now. Every day is difficult, and I’m constantly worried about how we’re going to get out of it. My husband and I feel like we’re fighting for nothing because something always happens to make our situation worse just when we think it’s going to get better… What I’m looking for is to be free of debt, for help, for a solution so that my family and I can live serenely, so that we can finally breathe.
Thank you for your help,
https://paypal.me/noelliemsk?country.x=FR&locale.x=fr_FR