Firstly, thank you for just clicking on my story and caring enough to be here. My name is Julia. I am a 23 year old girl just struggling to find my feet. I currently owe upwards of £10,00 in debt. (£2000 in Overdraft debt, £6000 in Bank Debt, £2000+ in Loans). Because of my age you may be thinking that I am in debt due to reckless spending habits. However, that couldn’t be further from the truth.
The truth is I was forced to move away from home at a very young age, due to domestic violence and a very unhealthy environment. I knew absolutely nothing about the financial struggles of the world and had not a penny to my name. I had to figure everything out as I went along and this is what has gotten me in all this debt. It started out as just a £1000 overdraft when I was 16 years old, to help me pay a deposit for my first flat. At 16 I was being paid less than £6 per hour so very soon this turned into a £2000 overdraft to help me pay my bills. And before I knew it I was £10,000 deep in debt, still struggling to pay my bills, every penny I earn going towards debt and bills and no way of investing in my future. At this point I am just desperate for some help so that I can finally get on my feet and start thinking about my future. My aim is to be able to start my own business someday and be able to give back to the community and help young people who are going through something similar.
If you got this far in my story, again thank you. For just caring enough to read it. Hopefully kind people like you can help me.
Thank you for reading,