basics about me: female, 25, UK resident, full time employed.
I never thought I would find myself in this position of having to beg for help.. but I feel it has got to the point where I should before it inevitably gets worse.
My financial situation.. isn’t a good one. But I am lucky I am not in tens of thousands of debt if there is a positive to it. It hasn’t been easy for me, I have been on my own since I was 15 with a history of foster homes and what I would call an unfortunate life beforehand. I have never had anyone to show me the importance of budgeting, finances, or life in general I guess. Boy was it a shock. I have found myself in a vicious circle of overdrafts, payday loans, and credit cards and now even rental arrears which I am physically now unable to afford the monthly payments for on my minimum monthly wage of 1300 for 37.5 hours a week. I have never stopped trying or working. I don’t own my own home, I don’t own a car, I couldn’t even afford driving lessons if I wanted to.. but I could if I could get rid of my debts, have my monthly wage back as my own, and rebuild my credit score for a better future. I have met someone who I want to share my life with, and wants to do the same with me, but I am not in a position to be able to look into getting a home with him and I’m too ashamed to tell him that I highly doubt an estate agents would rent to me, let alone the dream of a mortgage far into the future, as I don’t know how long this will take me to get out of, and how miserable every month will be until then.
My goal is to become a police officer, and make a decent career, but the financial checks and driving licence requirement are out of my reach of possibility for now.
I guess I am writing this in the hope of appealing to someone’s better nature, I am just a normal young woman, trying to make it in life but have taken a few wrong turns. I don’t drink, or have unhealthy habits. Any help towards my £2500 goal to be able to pay everything off and wash my hands of it, would be appreciated more than you know, and maybe put some hope back into life.
Thank you for reading.