thank you for taking the time to read through my post.
My name is Jordan, I work for the NHS and because of the kind of person I am, helping others has caused my financial situation to spiral.
LONG ABOUT ME:
Unfortunately my debt was almost guaranteed from the moment I left primary school. For about 2 years in primary school and for a further 3 after that, I was a carer for my Great Grandfather. After my Great Grandmother died, my Grandfather began to develop Alzheimer’s disease, meaning someone needed to be there for him to make sure he ate, showered, took his pills and got ready for bed. I did this for him, for about 5 years before his Alzheimer’s got to bad that we needed to send him to a home.
Being a member of a family with 5 children, we didn’t have a lot of money, both my parents worked full time to try and provide for us, so we could not afford the cost of a care home, the only way to find this was to sell his family home, little did I know, that he had me down in the will to be left this home after he passed.
He remained at the care home for a couple of years, and I did visit as often as I could but being a non driver then, it was difficult to get around. After he passed away, I used a part of the sale of the home to pay for his funeral and burial, so he could be with my Grandmother again, this still left over £70,000 to my name. At this point I was about 18 years old, so my sights weren’t quite set for the future, and I remember seeing my parents struggle for all these years, and I wanted to help, with the remaining £70,000 I payed off every debt in their name, and had a little left over to give £2,000 each to get a new car, go on a much needed holiday and spend sometime with just the 2 of them.
A few years went by, I started working at a supermarket up the road from me, whilst I was studying and I met my current Girlfriend, Kim. It was like the movies, where they say that love is at first sight, but a few months passed before I saw her again after the first time, and in this time I managed to save enough to take her out on a date. After 6 months of dating, my parents asked if I could stay at hers for a little while, as they were planning on trying to rearrange the house slightly, because 7 people in a 3 bed house is very cramped, so of course it was no problem. Little did I know, that a little while would become 4 years!
Kims family accepted me in with open arms for a couple of years, but after this I new I had massively overstated my welcome and the forceful need to live together after 6 months and at 20 years old was taking its toll on our relationship, so I moved out again. The problem was, I didn’t have anywhere to move to. I had got my drivers license a few year prior, so I had a car to drive around in, and a new job working in what I originally thought was aviation with my dad, but it turned out to being cleaning toilets and mopping floors. The pay was terrible, minimum wage and 15 hours a week, for someone that won’t receive benefits, is minimal. I spent a few months sleeping on a few friends sofas, and a few times back at my parents, but about a year of this was spent sleeping in my car outside of work. During this period I moved to my current role working for the ambulance service, I was based a few minutes drive from my parents house, so could easily return there for a few hours to shower and wash clothes. I never complained, as I see people everyday that have it a lot harder than I did, even with no home, money or food to my name, I still made sure I helped the people on the streets as much as I could with food water and clean clothes, because although I have nowhere to live, I still have a warm place to work and a car to drive.
After I had gone through this difficult period, I started to get some real money to my name, and my Grandad had taken me for a year, so I started to get my life back in order, I was still with Kim at this point, and everything was going swimmingly. I spent a few nights a week at her parents home and a few back my grandads whilst still working about 10 hours a day.
I got a promotion in from my current role, and moved up to dispatch the ambulances, meaning a little bit more came in each month. About a year went by again, and Kim had some news…
Kim was pregnant! I panicked, I’m not financially stable enough to support myself let alone a child! I sold everything I owned, downgraded my car, and picked up as many hours as I possibly could, covering shifts of around 18 hours 7 days a week, I bought a ring, and was ready to propose. 4 months into the pregnancy we lost the baby. My heart sunk, I couldn’t get out of bed for a week or 2, I couldn’t eat I couldn’t sleep, all I could do was cry and wonder what my baby would have grown up to be.
With the money I had from selling everything I took Kim away on a holiday, we needed it. We went to Paris, we stayed in a hotel that overlooked the Eiffel Tower and we went there for dinner. I had underestimated the cost of it all, I had payed for the flights and told her it was all sorted, the hotel charge more than stated on their website as they said that was last months package, and the charge had tripled! €700 a night! I had no one to turn to ask for that kind of money, we stayed an extra night and they airline allowed dis to push back the flight, so I could try and resolve it all. I only had 2 options, a loan, or a credit card. I opted for the card as the APR was 0% for the first 18 months, I figured I could pay that off before then, so I left Paris with a credit card debt of about £3,500.
When I got back to uk I started working on the debt, but one night on my way home from work my car skidded on some ice and wrote it off. The insurance company wouldn’t pay, and I had no money for a car to get to work to pay of the debt, so I had to use my credit card to pay for a new one. Now I’m driving the car to work to pay of the debt thats for the car to drive to work.
I got the debt down to around £1,00 when Kim told me she wanted to move in together, now it wasn’t your typical moving in, Kim was also pursuing a career she had always wanted as a cabin crew. Her company informed us in November that she need to live within 45 minutes of the airport, unfortunately we were an 1hr and a half away. So we needed to move if it’s what she really wanted. She did, so we did. She started her job in January, so in about a month over Christmas we needed to find a deposit and a way of renting somewhere, kim had some savings that we used for a deposit and we moved into a 1 bed flat that costs about £895 which is about average for the area. My company would allow a transfer to closer base too, but until then I had to stay put.
About 4 months went by before I could move, and when it finally happened I new deep down I didn’t want to go, I rarely saw my family as it was, and moving further away meant I would never see them. I had just started getting a hobby too, building guitars with my grandad, and moving meant giving that up, but I’d made her a promise and I couldn’t go back on that.
I officially moved in in June last year, and my transfer went through, but it meant a £300 pay cut. With Kim on a small wage aswell, our rent and bills took almost 80% of our total income. So I again needed to use that credit card to pay for things like food, petrol, and travel.
A lot of our furniture for the home was picked up off gumtree and Facebook for free, but a few things we had to pay for, like a mattress and duvets, all of that went into the credit card. After about 6 month, that took it up to about £4,500 back on my credit card.
In December last year I crashed my car again. The same thing happened again! A small patch of ice and the whole car flipped! Obviously again my insurance would pay for it, and I NEEDED a car again for work so I had no other option…I had to get it on my credit card. I’ve got £7,500 on my card with it rising every time I need to eat.
Christmas came and went, and I couldn’t afford anything for anyone, so it was a miserable experience for everyone, I tried to do a Christmas dinner with Kims alcoholic dad, but it turned to shambles when he found the wine from when we moved in.
A few days ago my grandad, the one that took me in off the streets, was found passed away in his home, he’d been unwell for a while, but I haven’t been around to spend time with him, so it has hit me hard.
My new car has been going wrong and needs about £2,00 worth of work on it, and I need to find money to feed myself and Kim aswell get fuel to get work and to the funeral when it comes.
I don’t want to be homeless again.
SHORT ABOUT ME:
I currently work for the south central ambulance service, and on average work about 80 hours per week, so I struggle to find time to see any family members. I moved out and my wages aren’t covering the cost of my food and petrol bills along with rent costs and bills. I have looked into downsizing my home, but it is only one bedroom and is the cheapest I have seen! I was homeless for about a year, thought I’d got my finances in order, but I’m heading back that way. I’m £7,500 in debt with more payments coming up because of car problems, and having to buy food and fuel. I’ve helped my family in the last to get out of their debts but unfortunately they can’t return the favour. I haven’t had the easiest of lives, but I know that there are many many more people that are worse of them me, So I make sure every Thursday I bring food to my local homeless shelter to help out as much as I can.
Ive used loans and credit cards to pay for everything I need, but I slowly getting to a point of crippling debt.
If you could spare anything it would be a massive help to try and get everything back into shape.
Thank you for taking the time to read, and thank you for anything you offer, I am a incredibly great full for everything