Thank you so much for taking the time to read my story and request for help. I am in a serious situation and don’t know how to get out of it. I have never done this before and feel quite bad asking strangers for help, but I dont know what else to do.
I am currently £20,000 in debt and only 24… It all started with a credit card when I was 18. Of course I didnt know what I was doing and spent it like crazy (£500 limit). Then Christmas came and I wanted to spoil my family and my work had a loan thing on, where you would have low interest, so I decided to do this, so I could pay off my credit card and treat my family. Obviously I now know how stupid this was, but I was 18 and didn’t know anything.
Anyway cut a long story short and with more credit cards and loans I have managed to rack up a huge debt. £10,000 of this debt is from Lendable and the other £10,000 was with my bank, but I have borrowed my baby brothers money with my Mums advise. (She doesn’t know about the other £10,000).
So I am currently paying off 2 lots of debt. One of which is my brothers which needs to he paid off! I am currently working as hard as I can to pay these off but I am panicking and can’t afford life.
I know this is all my fault and most likely people have stopped reading by now, which I totally get, but if there is anyone still reading this, please may you help me. Anything would be amazing so I can start paying this off and getting back to living again. All I seem to do is worry about money and I dont know how to enjoy my life. I never go out because I can’t afford it. Havent ever been to a proper party or gone out properly. I feel I am wasting my life and dont see the point of it at the moment.
Sorry for rambling, but honestly any help you can give I would appreciate it so much!
Again thank you for reading