Hi, this is my last resort attempt. I’ve often recommended this to my friends in the past to help with their financial issues but now I guess it’s my turn.
My debt originally started back in 2013 from an ex who manipulated me for money. When we broke up because I stupidly didn’t keep record of the money owed he never paid it back. It’s not just me that he did this too. A few years later my mental health took a massive plunge and I became reckless. My debt total just before 2020 totaled just over £10,000. £2,000 over draft, £4,100 and £1,300 maxed out credit card and a maxed out PayPal credit account of £3,300.
When the first lockdown hit I lost my job and managed to get a job in a local super market however I went from a £27,400 annual salary to £5,000. Despite this I used my entire redundancy money to clear a nice chunk. November 2021 I was held at knifepoint whilst working my supermarket job, this triggered my depression and my mental health spiraled once again. I’m trying my hardest still to pay off any debt I can.
I have goals to finally move out my parents house and have a mortgage. My debt currently resides at £5,643 to get to a zero balance. I can’t seem to make this drop any further despite my best efforts. I know their are other people on this that deserve the payments more however all I’m after is a clean slate so any money towards this would be a great help.
A bit about myself, I always try to be a kind soul to anyone. Whether this is buying a coffee for someone who needs it, paying for the person in fronts shopping when they’re a little short or just sitting with someone on the streets and having a chat. I firmly believe you project positive energy out to the universe the universe will give something back. End of the day I’m lucky to have a roof over my head and I am a hard worker but a clean slate will give me that confidence in myself to be able to shred my credit cards and accounts and purely focus on the money I have in my pocket to start my life.
Another reason why I’m trying to save for a mortgage is to be able to give my friend who’s struggling with her rent an assured home. She became an orphan at 17 and has no family left to help her.
Thank you for your time reading this, I hope you have a wonderful day. Please enjoy the photograph of one of my favourite things in this life – the sunset because it signals a the end of a day and a new one is coming tomorrow.