I feel like I’m drowning in debt with no way out and I need a little help please to set me back on course. I’m a mother of 3 young children and I’m struggling to make ends meet. I appreciate the cost of living crisis has impacted everyone, but it really has made my life worse. Energy bills in particular are ridiculous. My utilities were £515 last month! I can never pay the full amount so my debt to utility warehouse is mounting up. I put the heating on as minimally as I can but I can not always avoid doing so. My 3 year old daughter has a heart defect and needs to keep warm.
I have a mortgage not renting so I do not have access to state support. My mortgage is £729 pcm. I work Monday to Friday and my wage varies between £725 – £900. I get child benefit of £204 4 weekly and tax credits of £280 4 weekly. My council tax is £180 pcm. I have a 10k loan (needed for essential home repairs!) which I’m paying off at £144 pcm. I have other bills too but those are my bigger ones not forgetting utilities. After my bills are paid I am not left with anything. In order to keep me a float an pay outstanding bills and pay for food I have turned to credit cards. I can’t sleep. I can’t see a way out of this drowning debt before I completely lose control of it and have debt collectors banging on my door. Some might say go get a higher paid job and yes whilst that is an option, it doesn’t work right now when I have one child who is not school age. I simply couldn’t afford the childcare, plus she needs extra support so I need flexibility to be there for her and her appointments.
In total I’m around 15k in debt. I’m not asking that someone pays this, that’s too big an ask. My request is also a big ask but I’m hopeful it would set me back on track. Please would anyone be able to pay for 1 of my credit bills, that I have used to pay for groceries. It is £2800. Just having one less thing to think about will make all the difference.
I am so fed up of having to tell my children no when they want something. Just writing that has made me feel very emotional. I want to be the best Mum I can to them but feel like I’m failing. Life is just hard at the moment.
From the bottom of my heart thank you for taking the time to read this.