So I’m not entirely sure how to start this as it’s something I never thought I would have to do but sure you have heard that before.
I am currently in financial difficulties.
My current debt total stands at £18,956.96
This includes 2 credit cards, one loan and car finance.
I am unable to sell my car as the outstanding balance is far greater than the value of the car.
I have been in this situation for sometime now it has accumulated over naive decisions And life in general.
I have nothing to show for my debt. I didnt use it to go on fancy holidays or designer clothes or a fancy car. It’s been life and I have let it get the better of me.
I am now in a vicious Circle where my wage won’t pay my debt so I then have to use a credit card to live for that month. I need your help to help to be able to pay my mortgage and utility bills but my dream would be to clear the debt itself.
I have a full time job and work very hard but I have recently had a baby and I am on maternity leave. I will have to go back to work early and loose precious time with my baby as I can’t afford to be off for the full duration.
I am constantly selling anything I can find in my home from old book to clothes and bits n bobs just to have money for the month. I feel like I have to scrape for everything.
I have had two periods off work due to mental health from worrying about my situation and I fear I’m heading to that dark place again and with a small child I really don’t want to go there.
I dont expect to have someone come and pay all my debt off as I know it is not realistic but I hope there are some kind people out there who would be willing to help me get started as family and friends are unable to help at this time.
My biggest outgoings are my car and loan each at around £220-£260 per month. If i could pay off these to start it would really help. I would be externally greatful to any kind stranger who would be willing.
I could continue to tell you about my hardship but I know you will know that financial difficulties are black cloud over anyone’s head.
Please find it in your heart to help.
If you are still reading thank you for your time and consideration. It is much appreciated.
I have added a photo of the four outstanding balances so as you know my plea is genuine.