26/01/2015

My Story// Moving out at a young age

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.

For help with money, saving and other problems contact:


Me x

48 comments:

  1. it's nice to see posts like this every now and then...
    i hope you'll make 2015 the best year yet :)


    http://octobergraves.blogspot.com/
    http://instagram.com/octobergraves

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    Replies
    1. Thank you Donna, I really think it'll be a better year!

      Meme xx

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  2. Wow Meme, thank you so much for sharing this eye opening story. I know it's not easy to spill your life story on the internet for everyone to read, and for that, I really admire you. I'm sorry that you had to learn this the super hard way, but I'm glad that your dad was there for you and that you found the right support. Wishing you the best :)
    It'sMyLife

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    Replies
    1. I did learn the hard way, but that was the better way! I know now not to do it again!
      Thanks so much Miriam!

      Meme xx

      Delete
  3. I love that you bounced back, life can be so hard at times but I believe it all just makes you stronger. I think it is great you put this out there and want to help people. We wish that 2015 is your best year :D

    http://floralsandsmiles.blogspot.ca/
    twitter.com/floralandsmiles

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    1. Thank you girls, it means a lot that you readers are supporting me too!
      Have a great 2015 yourselves.

      Meme xx

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    2. This is an awesome post. I think it's very gracious of you to share your story and give counsel to everyone. 2014 was an extremely rough year for many of us. But, I know for a fact that 2015 will be a rewarding one for us. Happy Thursday :)

      http://www.lovecompassionatelee.com/

      Delete
    3. Thank you, it means so much.

      Meme xx

      Delete
  4. Its good that everything is better now! Hopefully 2015 will be the best year for you!

    alittledoseoflove.blogspot.com

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  5. So brave of you to be so open, I hope 2015 is a much better year! I'd love to be able to move out, but I know that right now I couldn't afford it no matter how much I wanted it.

    Beka. xo
    littleworldofbeka.blogspot.co.uk

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    1. Thanks so much Beka, means a lot! Yes always think about what comes first, If i had had another option I wouldn't of moved out so young, but everything happens for a reason and it made me who I am today!

      Meme xx

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  6. Thank God everything is good now. I hope 2015 is better better all of us!
    I'm following you, kindly follow back
    http://www.dimplekhadi.blogspot.com/

    ReplyDelete
    Replies
    1. Thank you! and sure I would love to follow you back!
      Thanks so much for your comment

      Meme xx

      Delete
  7. So happy you are now debt free!! I hope 2015 is incredible for you! :)

    Renee
    www.losetheroad.blogspot.ca

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    Replies
    1. Thank you Renee, and for you too!

      Meme xx

      Delete
  8. I feel you too, 2014 was somehow a difficult year for me but I've learnt a lot from that year. Let hope 2015 will be better for us. Lets become blog buddies if you like :D *Brofist*

    http://www.amamatsutaki.blogspot.com/

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    Replies
    1. Of course that would be great! Thanks for your comment and support.

      Meme xx

      Delete
  9. I can see why you told me to wait a few years! It's not all fun & games.. But I really liked this post, it's nice you feel you can share that information, thanks :)

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  10. Haha yes it may explain a few things, with me it didn't help I had no savings, I think if you did it wouldn't be as bad but I never got a chance to save. Thank you so much for commenting, means a lot.

    Meme xx

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  11. Wooooow! I love your blog. I hope you will like mine

    http://instagram.com/ladyfur?ref=badge

    http://www.welovefur.com

    ReplyDelete
    Replies
    1. I will check yours out, and thank you.

      Meme xxx

      Delete
  12. Thanks for sharing your experience, was a great read! <3

    I have a new outfit post on the blog, I would love to know your thoughts:

    * Electric Sunrise - Fashion and Lifestyle Blog *

    x

    ReplyDelete
    Replies
    1. Thanks, I will check out your latest post.

      Meme xx

      Delete
  13. Great post darling! loved to hear your story! you're a strong woman!
    :)

    xo
    Valentina
    http://fashionneed09.blogspot.it/

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    Replies
    1. Thanks so much, means so much to me!

      Meme xx

      Delete
  14. You are brave for opening up about this :) glad to here you're doing better now!

    http://magentatulip.blogspot.co.uk

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    1. Thank you Molly, always a pleasure to read your comments.

      Meme xx

      Delete
  15. Amazing post darling. You will definitely help so many people out there with similar debt problems. You are brave for talking about this. Take it one day at the time. KIss, Mel
    www.livingoncloude9.com

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    1. Thanks so much Mel, and thank you for commenting!

      Meme xx

      Delete
  16. Wow thank you for your honesty. I fell into a similar trap back when I was 19 and it went on for many years, right up until the GFC hit. Sadly while the banks got away with their shit, people like me who they were throwing credit to easily no have to suffer the consequences. I am still paying for it now. :o( I'm glad things are getting back on track for you and wow 18 months seems like nothing compared to over here were they blacklist you for a good 7 years.

    Sxx
    www.daringcoco.com

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    1. Oh Gosh, I am so sorry it happened to you too, if I hadn't of made the criteria I would of been blacklisted for 7 but I was lucky enough that it went through ok, big weight lifted off my shoulders, hopefully it'll all work out for you soon!
      All the best
      Meme xx

      Delete
  17. I'm glad that I found this post. It's nice and refreshing to read something concrete and important. You are very brave and I wish you the best of luck!

    http://fashionabejita.blogspot.com.es/

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    1. Thank you so much, I know what you mean it's nice when it actually means something.

      Meme xx

      Delete
  18. This is such an amazing and I am glad I read this as it something important that people should know. You are very brave in posting this and hopefully it will teach and inspire other people.

    Beth xx
    http://www.hellobeth.co.uk

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    1. Thank you Beth, and thank you for commenting means so much.
      Hopefully it will

      Meme xx

      Delete
  19. Great post
    Would you like to follow each other ? I'll follow back after it

    Www.miharujulie.com

    ReplyDelete
    Replies
    1. Sure will check you out soon, Thanks for your comment.

      Meme xx

      Delete
  20. Such a hard story, I'm really glad you came out of it and in the end is all about learning. I'm sure this 2015 will be great for you! You deserve it! xx

    theglowlab.blogspot.com

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    1. Thank you Marta, I hope so too, would mean so much.

      Meme xx

      Delete
  21. I really enjoyed reading about your story, its good that you're now debt free and I hope 2015 will be a prosperous year for you

    itsjustshalay.blogspot.com

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    Replies
    1. Thank so much! I hope so too!

      All the best

      Meme xx

      Delete
  22. this is a good post. i also moved out when i was 18 and even though it has its perks it is also really hard!!

    www.simplymee89.blogspot.com

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    Replies
    1. Thank you Natasa, it is very hard and I don't think many young people realise, we all have to learn though!

      Meme xx

      Delete
  23. I really hope that 2015 is a good year for you! This post is really moving and inspiring xx

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  24. Im glad things are looking up for you! It sounds like it was a horrible year and a bit!

    www.heyitskiaerin.blogspot.co.uk

    ReplyDelete
  25. Intrigued by 'What Alice Forgot'...I've recently read The Husband's Secret and loved it!

    Style Sunrise ☀

    :)
    x

    ReplyDelete
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