I’m not special or unique, nor is my situation. I’m a fiercely hard working Mum, loyal employee, working in a job in the community that I absolutely love, to support my child, our pet and myself. Balancing rent, bills, groceries, insurances and essentials is tough. Why is it, that we can be good, hardworking, clean living, energised, motivated individuals and still struggle? What secret have we missed? Sure my family didn’t have a lot of money growing up but we’re some of the hardest working people I know. I’ve stopped any type of “luxury” including dying my hair (hello premature grey hairs) or take out coffee or meals to make sure my resources are going further, to make sure my child doesn’t feel the pinch of a stretched budget. I’m desperate to break the cycle of “daily struggle” and move from treading water into a situation where I’m able to pay off a mortgage instead of inflated rental prices. It’s a cycle or getting in debt to try and get out of debt. My focus this year is to eliminate personal debt so I can move from “paying off” into “saving & setting aside”. I believe one day I will be a person who moves from renting, to paying off a mortgage. My personal debt currently, across vehicle loan & credit card debt is crippling and eating away at every single spare penny I earn. Once I tackle my personal debt I am ready to save for a deposit. My goal is to one day save enough for a deposit on a 2 bedroom apartment. Turning 40 this year and believing that I will find an open door. Eliminating my personal debt of $11700 would mean I’m rising above a currently impossible obstacle. It would mean paying off a personal loan (vehicle loan), credit card debt (used for bills & living expenses). For me paying of this debt would mean a new start, a savings plan, a realistic goal to be able to begin saving for a deposit. It would mean being able to have my car serviced and not having to live on cents afterwards, it would mean being able to put petrol in the car and not running the tank until the “petrol bar” starts to blink. So if you fancy helping someone who is perhaps no more deserving than the next, but someone who has the bravery (perhaps audacity) to ask, then I shall carry a gratitude that simply cannot be put into words.
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