Hello, thanks for taking the time to read this message. This is the first time I have ever thought about this and to be honest it makes me a little uncomfortable, but then I thought it’s the sort of thing I do every week in a small way, a coffee and sandwich for the man sitting on the pavement outside Costa or some spare change if I have it, there are always people in the world who are worse off than us.
I am a happily married father of two and have a good life, we have a comfy home, food on the table and both my kids are doing well either at work or at collage.
When they were born both my wife and myself took the decision that we wanted to be there every day, she didn’t want to miss out on the joy of parenthood. To do this my wife gave up her training to become a nurse and became a stay at home mum, one of the hardest jobs in the world, don’t be fooled by the idea that they just sit around watching Jeremy Kyle all day, a good Mum spends the day constantly working, kids and a house are a full time job and the time she put in at that stage has paid off, most people say it but I honestly couldn’t be happier or prouder with the human beings my kids have grown into. The time they had with their mum while growing up is priceless.
But the reality of life is it did have a price, I was working 6 days a week and overtime in a good job but still couldn’t earn enough to cover bills and food so used a credit card to cover the difference, as time went on our house value went up and we used this new equity to offset the credit card bills and pay them off, every time we paid it off we started to acquire new debt and each year we just seemed to never get rid of it. Now 20 years later we still carry £28,000 in Credit card debt and will be lucky if the mortgage is settled before I’m 68, I am lucky in that I can move my debt round onto different cards to keep a low interest rate, I have never missed a payment so can still get good rates, golden rule, always pay your bills on time. My problem now is that I can’t afford more than the minimum payment each month and it’s a mountain of debt I just can’t see an end to. At my age I should be saving for retirement but all my spare cash goes to clear these payments.
I am not a greedy person but have lived with Credit card debt for so long I would just love to be able to earn a week’s money and not have to give away a huge chunk of it to pay of the interest payment.
I am asking if anyone would be willing to help me clear down some of this debt and start to get my life back.
Thanks for reading. IB