I feel incredibly embarrassed that I am on here asking for help – but I genuinely feel like there is no other option.
I am in my twenties (where you’re meant to be enjoying life!) and I can’t even afford to eat or see my friends or buy myself things or treat my parents, who are nothing but amazing to me. I am constantly at the end of my overdraft every month and I can’t get out of it and it upsets me no end, and I feel as if I’ll never get out of it.
I understand people are in worse positions and it’s awful – but I need the help. My mental health really does depend on it.
Long story short. A few years back I had a lot of savings and I was in good credit. I had an ex boyfriend who was extremely calculated and manipulative. He didn’t have a job, and he came up with all these suggestions and I was stupid enough to listen to. He promised the world to me – and maxed out my credit card, made me take out multiple payday loans and made me quit my job (of 6 yrs) on the promise of a new one and a better life.
I know that was my fault and I was so so stupid to listen to him. My parents ended up bailing me out and now I owe them thousands of pounds. Even sold my car (that I paid for all on my own) to give them some money back. And it still wasn’t enough. I have been almost suicidal at points.
Since then my finances have been in a downward spiral – and I cannot borrow as my credit score is extremely poor as you can imagine.
I’ve put my long suffering parents through hell – they aren’t rich at all and my dream is to pay them back. I have 5 nephews and I’d like to be able to treat them now and then. I’d like to have a life.
I have moved out and trying to live an independent life with a full time job I really enjoy (I also part time study) but it barely pays enough for me to make ends meet.
Anything I would be extremely grateful for. I want to be able to get a better paying job after I finish my degree and live a better life. But for now – I want to stop stressing everyday of my life and be financially and emotionally healthy.
I owe my parents about £4k now.
Thank you so much.