I never thought writing a letter would be so difficult! I hesitated for a while but I am going to do it! So here it goes!
My name is Maddie. I am writing as I need help! I work part time as for health reasons full time would be too much. It all started well with my 2 kids but I quickly started to struggle when my mother fell ill. She was on her own and elderly but unfortunately lived in another country. So I started visiting her more often, whenever I could as I work in the state school system and we get all the school holidays. As she got worse, I spent more time with her and every time it cost me a lot of money! Over time my credit card bills got bigger and bigger and it all started getting too much. Now I don’t need to travel any more since the cancer got the better of my lovely mum and I am left devastated and in debt! I am paying back the minimum payment every month but my debt keeps getting bigger because although I don’t use the cards much, the interest I have to pay monthly exceeds what I actually spend! So because I can’t pay back quickly, the interest is accumulating like crazy! I tried getting a loan with the bank so that I could have a plan where I could pay back an affordable plan monthly and the interest in that case, although high, is better than having it on three different cards and more affordable: But of course, they won’t give me a loan because I don’t earn enough money to guarantee the loan! So I just do not know what to do next! I have been a fool, I know, letting the debt getting so high but when I was going to be with my mum and helping her, I did not think of all the money it was costing!
Thank you so much to everyone. Whether you have read, sending good wishes or a little something. I would be grateful for any help!