I’m a 35-year-old with a new family and old debt. I was in a bad relationship that drained my savings, isolated me and drove up debt. After years in that situation I finally got the courage to move on yet years later I’m still struggling with the debt. I do not want that life for my daughter.
Living paycheque to paycheque and still coming up short all while the debt continues to grow with interest is affecting me physically, mentally and spiritually. My self worth is non-existent after coming up short yet again and having to ask family and friends to loan me what they could is something I never thought I would have to do. If you’ve ever had to struggle with this my heart goes out to you and I’m hoping kindness and generosity will help get me above water.
The tension from this debt is affecting my relationship with my wife who is understandably distraught to be pulled into this situation. We’re constantly arguing and it pains me to know I’m such a liability. She was also in a bad relationship before we met and that shared experience and the journey towards overcoming it inspired me. With me coming up short, she’s been forced to dip into savings, savings she had as a safety net as a get-out fund. Not having that is extremely problematic for her with her past and I have always encouraged that she has it. If I can pay bills and help restore that for her I know she would feel so much better. We’ve both taken up side jobs to help with the bills but as a result, we rarely get to spend time together which doesn’t help our relationship situation either.
We moved into our house just before our daughter was born and quickly had to deal with shingles being ripped from the roof during wind storms. Our house is in urgent need of a new roof and recently we’ve had water come in through the foundation, so waterproofing will be needed soon too. I’m at the end of my credit and I’m terrified that an emergency will arise and we’ll have nothing to pay for the repairs.
I don’t know what to expect from this; if anything comes in, I’ll be thankful and if by some miracle this wildly exceeds my needs I will be paying it forward to help others in my current situation. Thank you.