First things first. The financial difficulty that I am in is 100% my responsibility. I blame no one — my employer, family, the government, climate change or Santa Claus.
My blunders and missed opportunities have landed me in a $40,000 hole. I am determined to come out of it. Despite an MBA I see no shame in working part-time doing Uber Eats, to supplement my income from a full time job. However, an interest rate of 19.9% remains a formidable stumbling block to paying it off in a reasonable timeframe. Fighting compound interest — the most powerful force in the universe — is a losing game. Sisyphus comes to mind.
Second, I am not looking for free money. I am looking for interest free loan(s) so that I can pay off my creditors. You decide how much you would contribute to this cause, and the repayment terms. Your advice and guidance are also welcome.
On a regular basis you will receive a progress report about reduction in my liabilities.
My goal of turning around my negative equity to a clean balance sheet by December 2025 is reflected in my paypal.me identifier turningaround2025.
My credit report is available for your perusal.
As a law-abiding citizen I have a completely clean record, and background check report from law enforcement can be produced if required.
I have not declared bankruptcy, have no ongoing consumer proposal; nor do I intend to take these routes.
Every bit helps.
What’s in it for you? Making someone’s dream come true would — God willing — make your dreams come true. As Saint Francis of Assisi once observed: “For it is in giving that we receive.”
“To the world you may be one person, but to one person you may be the world.”
And lastly, thank you for your time.