Hi there,
What I really need in the short term is £400 pounds sterling to make up my rent arrears and, if possible £816 to catch up on loan arrears.
My story is that I worked up the courage to split up with my partner over lockdown, but it left me in a bit of a bad state financially. I had supported them to go back to university to re-train and when we split I had over 8k of debt in my name. I wasn’t in a great place, lost myself, my confidence, began drinking too much and I made some mistakes and bad decisions. I was using debt to maintain my payments to the debt and got in a bad downward spiral where the debt reached nearly 20k before I was finally forced to stop maintaining it and ruin my credit file, which I was trying to avoid. I was depressed and didn’t know what to do or where to turn. I moved away from home, my family, and friends with my ex-partner and had no-one to turn to. A bad combination of shame and depression and not knowing what to do has landed me in a terrible situation that I feel like I’m never going to get out of. Not anytime soon anyway.
The only thing that keeps me going are my kids. I feel so bad that I can’t do the things I want to with my kids, the things that they deserve from me. But I try my best and I’m there for them in the only way I can be. Having sleepovers, trips to the park, the odd McDonald’s here and there.
But recently I’ve been struggling. Maybe it is the cost of living going up but I find myself with less and less and I have fallen behind on so many things. I badly need dental treatment, my car needs attention, I haven’t bought new clothes for myself or the kids in so long. There is a loan I’m still paying and I’m 3 months behind on that and honestly I don’t know how I will catch up. But, first of all, I need to dig really deep to catch up on my rent arrears which means I’ll have to neglect some basic things even more, but if someone could help me out to get that first problem out of the way I would be so grateful. I have never liked asking for help and I especially hate asking for help because I’ve created this mess and feel like I don’t deserve to be bailed out. But I’ve got to keep trying and do whatever I can to get myself back on track and resorting to begging is one of them things.
I have a massive interest in music. It’s something I am good at and have achieved a lot in. I did loose myself and my self-confidence in the marriage and in my dark period afterwards but I have rediscovered my love and passion for music and I’m slowly regaining my confidence, posting videos online and performing at open mics. One option which I am resisting for as long as possible is to sell my instruments (keyboard, guitar, banjo, mandolin) and equipment but I am trying to not loose what I love. I would likely get a fraction of what it would take to eventually replace all this (if I ever can), but if it comes to it I will – but if anyone can help. Please do. I really don’t know what else to do. Long term, I have over 18k worth of debt to clear, but short term, I really need to catch up on my rent and not end up homeless (£400), and catch up on my loan too (£816). Please help if you can. Thank you for reading.
paypal.me/hughboyle1
