Let me briefly introduce my background and financial difficulties that I fall into it. I’m a married man and we’re blessed with a kid (6 years old)
I’ve been into debt for more than 10 years (mostly on uncontrolled credit card spending). I’ve learned my lesson and now under our government initiative in debt consolidation program. However this is still not enough.
2018 was a bad year for me as I was having issues with my marriage. We almost divorce at the end of 2018. But finally we manage to stay together and we’re trying to build new life in 2019. At the same time, I was having problems after problems related to car and motorcycle in which require huge some of money to spend. I manage to get some help from friends and family.
The only problem is the never-ending debt. My salary just enough to pay off bills, mortgage, debt-consolidation program, education loan and my kid’s school fees. This also includes daily expenditure, meals, gas and ad-hoc expenses.
I had to spend some amount of money (some excess from bonus payout to bring my kids for simple day out, bought some gifts to spouse and to repair our car). I didn’t even manage to pay to my friend and family yet. I’m planning to pay them little by little only when I have money excess from my salary. This means I don’t have any money left for emergency.
I don’t even go for luxury vacation. I’m dreaming of to bring my family to spend our time together. I even wear the same jeans and shirts that I bought many years ago. For me, I spend all my money to ensure my spouse has reliable transportation to work and my kid has good education.
I’m in financial stress at the moment. I am hopeful that there is someone out there that read my message, that willing to help me so that I can build my life again. I need to off-set some of my debt so that I can manage the remaining of the debt and expenses.
At this time of writing, I’m still riding a motorcycle to work without road insurance, still owe 3 years quit rent, 3 months electrical bill and I even owe to my own spouse and kid.
I appreciate your time spent in reading this message and for those who like to help, my paypal link as below. Thank you.