Debt Free soon I hope!

Skivey

My life has gone from being in debt constantly since I was 18, to now where I can see a light at the end of the tunnel.

I currently own a business and have done so for approximately 6-7 months. The business turns over enough money to keep itself afloat and pay me a regular wage. I pay myself minimum, so still find dealing with money quite a challenge.

My debts haven't been extreme, but large enough to cause me problems in obtaining credit for most part of my adult life. I owe approximately £4000 to various people and companies.

around 2 years ago I got myself into a payday loan spiral after I became ill, and it got me very depressed and low. I was constantly trying to chase my feet. It all came to a head when I applied for one last loan for 2000 just to pay back payday loans. As I was on the phone, a gentleman said to me "ill probably get sacked if I was heard saying this, but you don't need this loan. You need help. Contact Stepchange and tell them the trouble you are in. It'll ease your mind and you'll be able to sleep again"... I did that and haven't looked back since.

Ive been paying back £20 a week towards my loans and other debts and my debt free date is May 2018. I also had that awesome news last week about Wonga wiping debts. Im presuming as I'm "336 days in arrears" this will also be wiped off, which will bring my debt free date back a couple of years.

So, if anyone is reading this that is having trouble sleeping.. feeling sick... all because you're in serious debt. Contact StepChange, they don't charge and they are amazing. I have a wife and 3 kids, my wife has no idea of the trouble I got into. Ive done it all alone. but now I can see the light at the end of the tunnel... I can sleep well every night.

Thanks