This post is going to be a little different today, and to warn you now it will be a long one.
I am going to be telling you my story and the things I have overcome on the way, so maybe it will help other young women and teenagers out in the world.
To begin, I have always been hard working and I knew when I was in school that I wanted to have a job the day I turned 16, least to say thanks to a very lovely uncle that happened and I started my first job working every Saturday and Sunday and attending school in the week.
And I have worked ever since, with the odd month or so being unemployed in between 5 years.
When I turned 18 I got my first full time job and I also had to move out of home, now before you start wondering why, It wasn't my choice, my mum claims benefits because she has never worked, and because of this I had to move out because she would of lost these benefits, now you probably are wondering 'why didn't I just let her lose her benefits?' Well I have a 12 year old brother and a 7 year old sister who were 3 years younger than this when I moved out, and this is what prevented me from making my mum lose her benefits.
Fast forward 1 and half years later and things were getting hard, moving out is one of the hardest things you will experience and especially if you do it on your own! I did not have enough money to live, I was barely scraping buy and I couldn't drive either so I was stuck!
Well eventually, I got excepted for a credit card (DOH) and I thought this was the greatest thing in the world, I started driving and I even bought my first car, but things started to get out of hand, I ignored the fact it wasn't my money and started spending excessively, even getting out a loan to fund my expensive lifestyle.
Things were great for a while, I really enjoyed myself (Wouldn't you?) but then I ran out of money, no one would except me for more loans and I went without, I didn't even think about the money that I had already borrowed.
So a few months went by, and I was invited to a work colleagues hen do, I was all up for going and last minute I pulled out because it finally hit me, I WAS BROKE!
I was getting letters in the post and debt collectors were threatening me with court action, I just broke down in work and everything was getting to me, and I couldn't handle it.
I got a lot of advice from people who told me to visit Citizens Advice, so I made an appointment and had a meeting with one of their advisers, at first I did not take it seriously, but then my dad found out about my debt and he really put my life into perspective, he told me I needed to sort it out now while I was young and then you can carry on with your life.
So for the next year I worked with my Dad and Citizens Advice, and finally after a very long and difficult year ( I lost my flat, and my 2 cats which mean't the world to me) we put in an application for a debt relief order, this basically will wipe your debt if you owe less then 15,000 and meet a certain criteria.
And the day before my 21st birthday the application was accepted and I was debt free, this was such an amazing feeling 2014 really was not my year, it was the hardest year of my life and I really grew up a lot.
I maybe debt free now, but I am blacklisted for 18 months which means I can not get out or apply for any credit (Which I really do not care about) otherwise I will have to pay the money I owe.
But after the 18 months are over I will have my life back, I can apply for credit again and look into mortgages etc..
So I am really looking forward to making 2015 the best year yet, I made one really big mistake and I learn't a very valuable lesson.
If any of you out there are in the same position, you are not that only one! But sort it out now while you can, you only get one life and being stressed and worried is no way to live it, be sensible with your money, save and live within your means.
I hope one day I can maybe set up a trust to help young people who are in the same situation as I was.
Thank you for reading, and if you do need help please do not hesitate to contact me.
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