Since is I was at an age to start using credit cards, I lost touch with reality. I believed them to be an easy source of money to do nice things without having to wait for it. I always regret my actions when I was in my 20s because I did not have the fears and concerns I do now.
I am now 31 with a young family and the burden of my actions has put a horrible weight on my shoulders, however I need to make sure my family have the best possible chance of stability and happiness.
I currently have 29k of credit card debt which I am unable to shift due to paying out 1200 a month on rent alone and unsecured debt of 600 after that. I have a respectable job which I have worked hard in for 10 years however the money is not flowing with my company implementing pay freezes and abolishing overtime and bonuses.
I do not, and never will burden my wife with the truth as I fear it could be disasterous for our 13 year relationship. Instead I choose to keep my finances hidden. I have never defaulted once on any of my debts however nothing is being paid off. My dreams and aspirations would be to buy a house so my family can have that stability I crave and that they deserve. I continue to work hard and study in my job to give myself the best possible chance of getting out of this mess but I am now asking for a miracle. My pride is low and I just want a fresh start. If there is anyone out there who can offer advice or help I would be extremely grateful. I love my wife and kids and just want them to be proud of me.