I am 40 and mother of 11 y.o. twins. I’m not sick or unemployed, but I struggle to make ends meet.
I have changed my job after 17 years of being a teacher for better payed job. I also tutor students and work during weekends in an adult school. However, whatever I earn is not enough to pay for bills, loan instalments, food, clothes and cost of building a house for me and my sons. I am a single mother. The father went abroad 3 years ago and has a family of his own now. He contacts the children, but it is very rarely. Also, he pays child support, but it is very little amount per child – around 100$ monthly. I cannot make it more legally, because he didn’t give me his address so I the court can’t send him the papers. I tried to reason with him, but it’s no use, he simply won’t help.
My situation is rather complicated, but long story short – Some time before I met the father of my kids I helped my friend financially. I trusted the guy so much that I took a loan in my name and he promised to pay it off. Several instalments were paid and he stopped. This way I had 10000$ in debt which I had to pay myself, when the „friend” disappeared in thin air.
Then I met the father of my children. Love of my life. But after it turned out that it would be twins, not one kid, he changed. Things got worse with time. In the meantime we decided that I will sell my flat and buy a parcel. I went to live with him in his flat. With money left we were to build a house for our family. But it turned out it would take years to complete as the father could work on the house just 2-3 hours a day, after his work. I wanted him to help me get a loan in a bank to build the house in a year or two. But he refused saying that he won’t take this debt for life. We didn’t finish the house obviously. After we split up I was on maternity leave with children, no home and lots of bills to pay and kids to feed. I had to provide for them and I got caught up by instant loan spiral. I generated a debt of 15 000$. I had no other option, had to take care of my kids. My parents took me and the kids to their home, but it was difficult to manage. When my maternity leave ended I went back to work as a teacher. I got a deal with bank and I managed to pay off some of the debt, but still it is a lot left and the instalments are killing my budget. I also rented a smal flat to live on my own, not to abuse my parents’ good will and kindness. After some time I managed to sell the parcel I owned. It let me buy an old wooden house with a garden. Some money left after the purchase so I used it to pay for major reconstruction of the house, however, it still needs reconstructing and redecorating to be habitable. To do this I need around 15 000$. The bank won’t give me another loan due to my earnings being too low. I would manage to finish it using the money I earn, but after paying bills and loan instalments and all necessary food, clothes and cost of fuel for my car I end up with nothing. Sometimes I need to ask parents for financial help.
All in all at this point I have 40 000$ in loan and the installments take almost all the money I earn. This situation makes us struggle so very much each day. We don’t live, we barely exist.
Please help us have better life. I would be grateful for any help even the smallest one.
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