The Skint Paramedic

So as mentioned I am currently in £25000 worth of secret debt. I have accumulated this over the course of about the last 2-3 years, through excessive daily spending in multiple simple areas. Over the course of this time I have attempted to consolidate this , time and time again but each time I do, I then continue to over spend leading me to the amount I am at today.

The bigger and bigger the debt has got , the more I have attempted to keep it a secret from everyone. I feel ashamed that I have allowed things to get this out of control, I also do not see the need to burden close people with my issues, I suppose I’m old fashioned in that way and little contradictory in my own advice , as this is not what I would advise if someone came to see me in clinic for something similar but as ‘medics’ know we are terrible patients.

The effect this is having on me and mental health , when I sit and think about it is profound. I’ve never been one to think as my self ‘depressed’ or ‘struggling’ mentally, but in reality I am barely treading water. I feel that if I do not try and sort this now , I will not be able to cope with keeping up payments by moving money around or borrowing more as the debt will just spiral astronomically out of control (not that it is astronomical already) and I’m not sure how id be able to manage or cope with this mentally.

My Debt is currently split into 4 separate accounts all which are a form of Credit – loans, BNPL (by now pay later) and credit card, the full amounts are :

• Bank Loan – £16,861.12p
• Credit Card – £6,064.01p
• BNPL account #1 – £885.18p
• BNPL account #2 – £360.98p

Total – £24,172.29p this equates to over £500 per month in minimum charges.

So as with any issues coming to terms with the fact that you have a rather large problem is the first step, I am now well aware of the trouble I am in then Next is to find a solution to the problem, which I will post once I have worked that out.

anyone else in this sort of issue ?

Thanks for listening.