Hi. I’m a 29 year old accountant, and have worked since the age of 14.
I have been pretty good with money over the years and have tried to stay away from credit, but recent events have caused me to spiral into debt.
3.5 years ago I lost my sister, she committed suicide and even still to this day I am still in shock and grieving. I also lost my mother at the age of 21 and have no father.
I never thought in a million years that I would develop a serious mental health problem. I have suffered with Anxiety since I was a young child, but it was manageable. Since losing my sister, it has spiraled into crippling anxiety and depression to the point where I could barely remember what I had done in a particular day or be that tired that I wished that I wouldn’t wake up the next day.
I have 3 siblings still alive, and I am the oldest therefore they look up to me as a role model and work hard through school and college. No one knows how much debt I am in, because I’m one of those people who always helps others and has time for others, even borrowing money to others when I hardly have any of my own, and I don’t like to put my problems onto others as I don’t want them to worry about me when they have enough problems as it is.
I am in a much better position mentally than I was 3 years ago, but the stress of the debt is keeping the depression and anxiety cloud heavy. I want to be able to live life without worrying about the next month and how I’m going to survive the food shop. I always pay my debts first from my wages and live on the rest, but as I’m paying so much in finance each month, I’m having to use the credit card towards the end of the month to buy food or petrol for work.
I’ve worked since 14 and have always been just above the minimum pay rate, which to be honest is ridiculous considering I am an AAT qualified accountant with 13 years of experience, but with the debt I have I can’t afford a gamble for a better paid job.
If anyone does help me, I promise to put away money each month to other people who need help. Whether it be donations or a website like this, I don’t believe in money for nothing and I want to give back to help others. I rarely ask for help, but I just can’t see a way out at the moment. I just need to clear the debt, so I can clear my mind and start fresh. I will never use a credit card or account ever again, I swear.
My current debt is:
Tesco Loan £119 per month Balance of £3,500
PayPal credit card £65 a month
Tesco Credit card £35 a month
Barclaycard £45 a month
That is all of the debt that I have.
To anyone that decides to help, thank you from the bottom of my heart, you’ll never know how much you saved my life.