Hello, I am at a point in my life where I am physically, mentally and financially drained… I wake through the night with mind numbing thoughts that my son deserves so much better than a mother like me.
I have worked full time ever since I left High School but I managed to get myself into quite a lot of debt trying to keep up with friends and family’s lifestyles I could not afford. I took out overdrafts, credit cards and payday loans to try and keep up with them.
I only ever made the minimum or interest payments and one day couldn’t even afford to do that, so everything built up and spiralled out of control. I buried my head in the sand and tried to just ignore it all.
When I fell pregnant with my little one, I finally sat down and worked everything out. I sought financial assistance and now have 1 loan and 1 (very large!) monthly payment to make towards paying all of this off. I want to have a clean fresh credit file to build up so I can offer my son the financial assistance he will need later on in life.
I currently work full time for an animal charity, 12:30-10pm at nights as this is when my father in law can look after the little one for me. I feel like I miss out on so much of his little life but I know I have to work and to teach him that it is a very important part of growing up.
After paying all our living costs and my loan every month, we are left with £82 to ourselves. We can just afford 1 day out somewhere nice on one of Mummy’s days. I hate that I cannot spend quality time with him taking him to new places to explore and learn and make some lasting memories. My little one doesn’t understand why Mummy can’t get him a new toy or buy him a McDonalds when he asks me.
I have 3.5 years remaining on my loan and a little under £12,000 to pay off until I am completely debt free!
I decided to write on here to see if there was anyone out there in a position to give me and my little one any assistance at all, so we can start our brand new lives a little earlier =)
Thank you so much for taking the time to read our story xx