Welcome!

Welcome to my new blog.

I have created this in order to put my thoughts into writing. As the saying goes, a problem shared is a problem halved. Fantastic - does that mean I now only have half the amount of debt I thought I did?!!

As you may have gathered from the title of this blog, I am in a bit of trouble to say the least. I could give you a long old sob story, but I am not looking for sympathy. Rather, I am looking for help, be that financial assistance, or advice, maybe from somebody who has/had experienced similar difficulties. In summary, I have been made redundant three times in the space of five years and this has decimated my finances and completely wiped out any savings I had. Quite the opposite, as I have built up debt just to survive. The Government do not provide sufficient help, despite my many years of contributing to thier cause! Indeed, a large tax bill is my most pressing concern.

I am now working again, but I just cannot get my head above water. If I could only clear my debts, I know I could face the future with more hope. But, as things stand, I am terrified about what the future holds. Not for me, but for my incredible wife. You see, she was diagnosed with multiple sclerosis some 6 years ago and stress can have a severe effect on her symptoms. Financial worries are the last thing she needs, so I am prepared to do anything to avoid this for her sake. We do not own our own home and my car, which I need for work, is fully financed. So we do not have assets to fall back on.

As well as the tax bill, I have credit card debt that is crippling. I just need to find a way out. So if anybody has any suggestions, no matter how unusual or extreme, I would be most appreciative. I will keep you updated with the progress of my plight.

I trust in the power of the internet and the benevolence of humankind.

David