Hello…I have never done anything like this before and I am embarrassed it has gotten to the point where I am asking people I’ve never met to help me with my financial problems. Please know I am so grateful that you would take the time to even read this, let alone consider helping me out.
I am in my early 20s, recently married and my husband and I bought a house together almost two years ago. We both work full time and have done since we were 17. Honestly, things are just getting on top of us.
In the 6 years we have been together, we have achieved so much, and while I am so proud of what we have, I think we both often forget how young we still are. We took on so much, including a mortgage and a wedding, and suddenly needed to fund the lives of middle aged professionals on minimum wage salaries.
We both have personal loans, and credit card debts. All we can do at this point is keep refinancing our debts to reduce monthly payments, all the while putting ourselves in more debt and putting the next chapter of our lives on hold for longer. We are stuck in what seems like an endless loop and it feels like we’re going nowhere. I fear we’ll never be comfortable enough to start a family. I am constantly living out of my overdraft and we have to borrow money from family just to cover our bills every month.
My husband has recently taken on a second job and so we thought it would get easier. But with interest piling up and charges for late payments getting bigger, it all just seems to be getting harder. At the moment, I just don’t see how we’ll get out of this dark hole.
We don’t go out to dinner or spend money on holidays, we barely leave the house aside from work as we simply can’t afford to. I don’t know how we got here.
Anything at all that you can spare, we would so much appreciate. Thank you again for considering us.