Where to begin…. It’s been a very tough lately and a combination of events have suddenly left me much worse off than I could have expected. Basically I have found myself quite quickly in quite a lot of debt, almost £10,000. It started with some debt that in hindsight i wish i hadn’t taken on as they weren’t for emergencies or anything essential, but the amount was relatively small and at the time would have been easy for me to pay off had the following events not happened.
However, I have since had to move 3 times, in a short space of time due to landlords wanting to move into the property themselves, renting it out to a family member or selling the property all together. With each of these moves came all the extra expenses of moving, letting agency fees for referencing, having the properties professionally cleaned when I moved out (part of the tenancy agreements) and so on.
On top of that some complications with the death of a relative left me with some solicitors bills to pay. This would have been more than enough but this week my car has also developed a very expensive fault with the gearbox. I need my car for work and i either need to get it fixed or try to find a reliable used car. Without one I will likely lose my job.
All these things combined and especially the latest developments with my car have led me to ask for help here. Had just one or even two of these things happened I would probably been able to cope with it however all these things combined have rapidly pushed me from having a small amount of savings with a little manageable debt to having no savings and feeling like I am right on the edge of being in serious financial difficulty and it feels like only one more thing could tip things over the edge. I am taking on extra work where I can and I have shifted as much of the debt as I can to 0% interest cards but even if I pay all the spare money I have it would take me nearly 4 years to clear it all possibly longer if I can’t clear it before the 0% period expires. I feel like with a little help I could tip the scales back in my favour and get things back on track again, so please any help you can give would be amazing and if nothing else would stop me laying awake at night worrying about it.