dafenstein
New member
I have had some major life changes over the last year. I' ran my own business for around 7 years until it basically collapsed. I then made a difficult decision to move across the country and start from scratch. I still had 2 vehicles, some retirement & medical policies and survival money.
Things nust have not happened in the year I've moved. I have not been able to generate any meaningful business. I started applying for jobs with no success.
I reached a point where I had to voluntarily surrender o e of my vehicles that was bought through my previous business. I do have an outstanding balance that needs to be settled on it. So I'm essentially paying for something I don't have anymore.
I have around 35k in credit card debt that I can't really service.
I have outstanding school fees of around 25k I can't settle.
I am also blacklisted due to non-payment of a rental agreement that was un dispute and still in progress with a lawyer.
Basically I have around R130k in debt. I'm blacklisted. I have no medical aid/ retirement or investment anymore. And I have no way of servicing this because I am simply not making any money. Like literally zero. Anything I do get I use to survive.
I'm moving back to where I came from because I don't have anywhere else for me and my family to live and I'm forced to move in with other family members.
Where do I even start? Basics like a place to stay, fuel, food, cellphone, a vehicle, school fees etc. are massive challenges for me at the moment. I just don't see the way forward. I don't know where to begin, how I'm getting through this. This is taking a massive toll on me. I've tried everything, nothing is working. I feel like I'm just done.
Things nust have not happened in the year I've moved. I have not been able to generate any meaningful business. I started applying for jobs with no success.
I reached a point where I had to voluntarily surrender o e of my vehicles that was bought through my previous business. I do have an outstanding balance that needs to be settled on it. So I'm essentially paying for something I don't have anymore.
I have around 35k in credit card debt that I can't really service.
I have outstanding school fees of around 25k I can't settle.
I am also blacklisted due to non-payment of a rental agreement that was un dispute and still in progress with a lawyer.
Basically I have around R130k in debt. I'm blacklisted. I have no medical aid/ retirement or investment anymore. And I have no way of servicing this because I am simply not making any money. Like literally zero. Anything I do get I use to survive.
I'm moving back to where I came from because I don't have anywhere else for me and my family to live and I'm forced to move in with other family members.
Where do I even start? Basics like a place to stay, fuel, food, cellphone, a vehicle, school fees etc. are massive challenges for me at the moment. I just don't see the way forward. I don't know where to begin, how I'm getting through this. This is taking a massive toll on me. I've tried everything, nothing is working. I feel like I'm just done.