Hello anyone reading this post. My name is Ryan, I’m 33 years old and in full time work in retail.
I am currently around £15000 in debt through credit cards and a loan. The debt is of my own doing, I’m a family man and over the last few years whenever my partner or daughter has wanted/needed anything I have bought it for them. Through any means possible, I’ve never been able to say no to them. I have always felt like I needed to provide for them, that was my job.
I kept my debt troubles away from my partner until recently when the stress and anxiety of it all has taken me to anti depressants. Now she knows the full extent of it and I can now feel like I’m able to say no to things if they aren’t needed.
I thought i would be fine and will be able to pay it off in a decent time, but i got into a debt spiral or using loans and a balance transfer to stem the interest. Now my repayments for these debts and house bills are just about as much as my wages. I would like a new job but with my current one I am able to work around my family and be off when they need me to.
I’ve not come to ask for people to pay my debt off as it is my own doing and I’m slowly working my way at it. A financial advisor has recommended an IVA but I don’t feel like it’s right to do that to the companies I have borrowed from.
I’ve come to ask any charitable persons for a little help with being able to give my daughter a Christmas she deserves. Even if it’s enough to cover a single debt repayment then I can put it towards her Christmas.
Thank you for reading and I hope everyone has a wonderful day.