I have no idea where to start… you’ve probably heard that many times before I’m guessing. But seriously, where does one begin when asking a stranger for help?
I’m in my late 30’s, a mother, a full time worker, and very much in debt. It started years ago when we had our home repossessed. This was due to my Husband losing his job with no notice or redundancy, the company he worked for went bust so we used our savings to pay the mortgage. The savings ran out, and then we lost everything.
A few years later I find that I still have not caught up. I’m always waiting until pay day, and within a week, I’m waiting for the following months pay day. You see I’m in debt, a lot of debt. I’m ashamed to say around £8k, and I don’t know how to get out of it. My credit rating is very bad so a loan is out of the question, and I’ve taken out pay day loans just to try and keep my head above water, but alas… this has left me in an even worse situation. If I could clear the debt and have a new slate, I know I could provide for my family with a good budgeting plan in place. But that’s easier said than done. The bills every month are leaving me with a small amount to try and stretch, and I’m getting myself into a bigger hole.
I have worked since I was 15, I’ve always tried to better myself even though I have ran into one blow after another. But I count my blessings, I have the most amazing children and I will do anything for them, anything at all. I’ll go without to make sure they have what they need, and I don’t ever want them to know the financial struggle I face every single day. I don’t want them to know I’m laying awake at night scared for the morning and the letters and phone calls I might receive relating to money. They understand that Mummy can’t afford certain things, but they are good kids and they don’t pressure me or get upset.
And this is where I really could do with some help if at all possible. I have fallen behind with the rent on our council home, after nearly a year of almost getting it back on track. I’m so disappointed in myself. I have to pay £839.69 or I am facing eviction – and this amount is going up weekly. I have no money in the bank, I paid £100.00 on the rent this week but it isn’t enough. My car is late on its MOT, it’s due to go in tomorrow. I’m scared as I can’t afford to even pay the £35.00 for the MOT, and my car is an old car. And if it fails, how do I get to work, public transport is too expensive. You see, I’m in a real mess. And I don’t want to try and create a sob story, but I am battling with my mental health. I suffer from severe anxiety due to a number of reasons, and going to work everyday is something I need to do, I can’t let it beat me, as much as sometimes I just want to bury my head in the sand, I know that will not get me anywhere.. Tempting as it is. I can’t remember what it is like to be able to have a full nights sleep and not get up in the morning with a huge heavy weight in your stomach and on your shoulders that you carry around all day. I just want to be able to feel mentally at ease again and to stop worrying every single second.
Well, if you got this far, thank you for reading. And I hope you have a good day.
Thank you again, and I’m genuinely sorry I’ve had to ask for help.