I want to make this as sincere as possible so I would like to start by saying I am very fortunate. I have some lingering debt that I cant get on top of and with inflation after the pandemic its becoming harder and harder.
I was in a relationship which ended in 2019 and in that relationship I was paying “rent” to my partner who owned the house I was living in with him. During that time I was also going back to college for a program I really wanted to be in and all the financial burden for that was on me. I relied on student loans, a line of credit to get me by plus any money I did make working part time. I was also commuting 1.5 hours everyday to go to school because I couldn’t pay rent for a place close to school and to my boyfriend at the time.
When I broke up with this boyfriend I moved back in with my parents but I had one more year of school. My mental health declined and therefor my mental capacity commute and attend school made it difficult for me to work on top of all that.
Im lucky to have a job that pays me above minimum wage however my job is seasonal contract and my winter contract is part time. This makes it difficult to pay off my credit card which is my biggest concern because the interest just builds up so fast.
I am in a better relationship now with a much more supportive person. My partners income goes mainly to our home expenses. I pay a portion of the bills that I am able to pay. With utilities costs increasing and the inflation on groceries I have not been able to pay off my credit card the way I planned over the winter and if I could, I would be able to focus more of my income to my student loans and line of credit and maybe finally clear up my debt after years.
My partner and I want to have kids in the near future and I do not want to be paying off this debt and trying to manage the expense of raising kids. I also really don’t want to raise kids with lingering debt because I saw the stress it caused my parents and I don’t want that for my future family.
I am really just hoping for some kindness and the ability to finally free myself from this credit card so I can start getting ahead on my other debt. My credit card balance is $5000 and that is all I am hoping for. If you are able to donate I would really, really appreciate any help.
Thank you for reading,