Hi. I’m a 47 year old, single gay male and really struggling financially. I work long hours and I’m simply not earning enough to cover my outgoings due to the higher cost of living and having emergency repairs done to my home. I’ve had to take out two loans to replace my roof, have interior cosmetic work done, boiler repairs and kitchen and bathroom refits. All the work was necessary to make my home habitable. My wages don’t cover my outgoings now and I’m im disarray. I don’t actually know what I am going to do. Please can someone help me.