Hello, my name’s Lisa.
To start off, I am currently 19 and already managed to get myself in a huge debt. I lost my job at the beginning of the pandemic and now I am in desperate need of some money. I live in Canada, and I am sure you would say “why not get some help from the government?”. Well, I have, and I used the money for living expenses such as rent, groceries, and for paying my other bills (phone, internet, gas etc).
To add to that I also would spend money on whatever my family needs even if I do not have the money, which just made the debt worse. I do not want them to find out what I got myself into, because I know they would be extremely angry at me. You may say, “why not explain it to them or asked them for help?” Then, I explain to you that my family has a lot on their hands already. My mom is a single parent who raised me and my younger brother. She has her own bills to pay for (not credit cards), and she spends her money on my little brother who is autistic and needs the extra support/help in learning and communicating. I don’t want to burden her more.
Right now, I need to pay off $7,000 on my credit cards. At the start of the year, I made a plan to pay it off, and get back on the right track. As the months went by, it started to become worse and worse. Everything kept pilling up, having no money to pay off my bills. It got to the point now where all I have on my mind is money, and how I can get money.
I have tried applying for other jobs, but nothing worked due to the pandemic, and stores needing to have a certain amount of people working at the same time and can only afford to pay very few people. Soon the stores started to reopen, but still even my old job did not hire me back.
Another thing I’ve tried was taking out a loan, but I got denied by all of the loan companies I applied to just because I either had a low credit score or I didn’t have enough income.
If anyone could help me, even just a little I would be forever thankful and would definitely take this life lesson to heart and stay on the right track.