My name is Alex and first of all I just want to say how grateful I am that this platform exists and that such a service is even possible.
I am currently in £15,000 GBP debt, this is after paying off another £15,000 GBP prior to that. These have been caused by loans I’ve taken out to deal with my divorce and having lost out financially because of it. It doesn’t help that on 27th October my ex wife remarried and I turned 36 all at the same time. I’ve moved on of course but this debt is a reminder of all the pain and as far as my emotional, mental and spiritual wellbeing I’ve had some really dark days where I’ve been down in the dumps.
I’m not able to take out any additional loans and quite frankly I’m glad too as this will put me in a deeper hole. It’s affected my credit in such a way that after moving back to my mum’s I can’t even pass credit checks to get my own place and have to pay up to 6 months’ rent upfront in some cases which I can’t afford. This is crippling and makes me feel small and not like a man and an adult who can look after himself.
I worry excessively about whether I’ll ever realise my desire of one day remarrying and having my own family. This money will really help me reset, clear my debts and start again. I’ve not ruled out other means of bringing in an extra income in addition to my job. I currently work on the railway but overtime has been scarce and the strike action has impacted me financially and quite frankly mentally and emotionally as well as it creates a negative work environment.
I’ve sought to get away from that environment of customer facing to a more office based role and after having spent over £5,000 GBP trying to attain a PRINCE2 project management certification, I have fallen short numerous times, I have the foundation qualification but not the practitioner one and the online instructor led course for that would cost £2,000 GBP. I’d like to give this one last try once and for all and just move on if this doesn’t materialise.
The stress of the entire ordeal has led to me letting myself go and putting on more weight than I’ve ever done before causing bad knees, my teeth starting to move and get gaps in them and my feet to callous and plantar fasciitis to develop also. I’ve made enquiries into improving these issues by consulting a personal trainer, a podiatrist and a dentist. The dental work I would require would cost £3,000 GBP, the personal training service would cost £3,000 GBP for a year where I would log my exercises, my nutrition, my measurements and my weight on a regular basis and the podiatry work would cost £500 GBP to get insoles fused to my foot shape to wear in all my shoes giving me relief from my foot condition.
In addition to this debt I’m currently not driving and am in desperate need of a good reliable vehicle. Grocery shopping, attending my worship and getting to places that require driving have made life quite difficult so this is an area I need help in and am only requiring £5,000 GBP. This will include the car, the insurance and the road tax. I don’t need anything fancy, just something reliable that will get me from A to B and will be ULEZ compliant as well.
In regards to bringing extra income to help me clear my debts because I mainly work shifts, I’m not able to do much part time work around my schedule, I’ve done a bit of research into what the most flexible jobs are that I can do to increase my income. I’ve looked into the following of: Security (SIA) and Teaching English as a Foreign Language (TEFL). These require qualifications for courses that I would too need funding for. SIA: £1,000 GBP for Door Supervisor and CCTV operator courses which are £300 GBP each and £200 GBP each for the badges. Having both increases my likeliness of getting more work. The TEFL course is also £1,000 GBP over 6-12 months on a course also.
I recently for the very first time considered deciding to start a business in property. I have been doing a lot of free training via books and youtube etc but would like to take the leap of investing in starting it up. £10,000 GBP would be required for this.£1,000 GBP to set up eg. domains, registrations, website, insurance etc, £4,000 GBP for education with a mentor and get a step by step guided course and £5,000 GBP to setup my first property and start cash flowing. In order to scale the business to where I could do this full time £30,000 GBP would be the amount I’d need. So anywhere from £10,000-£30,000 GBP.
Last but not least I want to talk about the fact that I have tried to get free counselling through the NHS here to work through some of the trauma that I have been enduring throughout this ordeal over the last 5 years or so but have been unsuccessful. I found a therapist who charges £50 GBP and has a package of booking 10 and getting an additional one free so £500 GBP for that, this is arguably the most important investment of them all.
Any contribution towards any of the above would be appreciated and would truly be life changing so hopefully this need can be met, thank all you kind hearts in advance. By way of summary:
Debt: £15,000 GBP
Property Startup: £10,000-£30,000 GBP
Car: £5,000 GBP
Dental: £3,000 GBP
PRINCE2: £2,000 GBP
TEFL: £1,000 GBP
SIA: £1,000 GBP
Counselling/Therapy: £500 GBP
Podiatrist: £500 GBP
Whether you can do one or all, any help would very much be appreciated, thanks again.
Paypal link: paypal.me/alexmbuyamba