Firstly, I just want to thank you for noticing and taking the time to read my story.
I’m 26 years of age and I am a recent graduate. This is one of my greatest achievements. Growing up, my mother raised me as a single parent and we never had much money. My whole family are from a lower class background. Seeing my mum struggle whilst raising my brother and I, I always said to myself that I wanted to make her proud and I would do my absolute best to make it far, to prove to her that she did a great job. I managed to keep good grades throughout our multiple moves and even through some quite severe bullying. I then secured my place in university to study law. I was the first person in my whole family to make it to university and this meant a lot to both myself and my mum.
However, due to the low finances, my family couldn’t really assist with things like living costs and course costs so I had to take out multiple student loans etc. I also had to get a credit card, which I now see as one of the worse decisions I’ve made, but I really had no choice. I would struggle with money constantly and I really had no other options. This led to my mum taking on a lot of guilt for not being able to help me out more financially and you could tell that she felt like she’d failed, which as her son really hurts to see.
I managed to pay of the majority of my credit cards debts but I am left with £1,500 that I am still required to pay. With the cost of living rising, this is getting increasingly more hard to pay off and I feel like I’m in the endless cycle of trying to pay that off, or paying my rent/bills etc. I barely do anything outside of work as I cannot afford to which is straining on my social life and it’s making it hard to keep friendships. These financial struggles have left my mental health quite low and I am even seeking help for that.
I would like like some assistance in getting to the point where I can pay off my credit card completely and close the account. It would be such an amazing feeling to be able to tell my mum that I did it. That I paid off my debt and she doesn’t have to worry anymore. £1,500 is a lot of money for us and so ANY help whatsoever would be more than appreciated. It would mean the absolute world. To be able to lift that stress off of her shoulders and also mine, would be the best feeling ever.
Please, anything would help immensely. I hate to do this type of thing, I really do but I don’t know what else to do. If you can help, please please please. God bless.
Paypal – https://www.paypal.me/AHayne