Thread by @welsh_lisa2

I haven’t seen #KilledByMyDebt but s someone who was in a lot of debt due to maxing out on credit cards when I was depressed I can’t recommend @StepChange enough. I had had problems for years and was eventually living off an overdraft for a few years before seeking help

I am now one month away from being #debtfree

Before I was scared to open letters as they might be from debt collectors who had bought my debt. Yesterday I had a letter from my old bank telling me I have paid them everything I owed them - loans and overdraft. That feels good

There were other smaller debts - catalogues, store cards, payday loans and the like. Interest was frozen on them though.

If people can be taught about budgeting and the dangers of credit card debt whilst in school or college that might help a lot of people avoid this

You live in a permanent state of anxiety. You are worried how you’re going to pay your bills when people are demanding money. But you don’t have to suffer alone or in silence. @StepChange or @CAPuk are both excellent organisations who can help

They will support you through the process and take the worry away so that you can start living on a manageable budget whilst paying your debts without being scared, anxious or ashamed.

There is help out there. It takes courage to ask for help but you won’t regret it.

I didn’t tell anyone about my debt for years as I was ashamed. Although it was my problem sitting down and discussing it with close family who I loved and trusted may also have saved my life. At the point I went to @StepChange I owed around £26K

Before then I was paying as much as I could afford, but living off an overdraft I was always in debt as soon as my pay went in to my account. That’s no way to live believe me. If this is you, please get help.

@threadreaderapp please unroll