I know I’m a little old to be writing you a letter but after the year I’ve had I felt like I needed to. I’ve been good this year and have helped out again with my charities with the exception of Habitat for Humanity.
This Christmas I would like to ask for a financial do-over. I’ve made some bad choices when it came to finances over the course of my life and I feel like I’ve learned my lesson so when I turn 35 next year I would like to start it off right. If any indication of the death of my grandfather and father are any indication, next year will be my midlife year.
My financial struggles started when I was 19. I was trying to be out on my own and I started opening credit cards. I wasn’t taught the impact that they would have on me later in life. I met a man that was older than me and I figured he would be able to help me but I was wrong. He decided to take advantage of me and had me open more cards and spend the money, before I knew it I was over my head.
I decided that I needed to get a better job to help payoff things so I decided to go back to school. That was another mistake because the school I chose wasn’t the best and now I have about $35k in student loan debt.
I had a plan to get better with my debt but every turn I took something happened. That man wanted to buy a house and used me again… Oh what a fool I was… But it was love or so I thought. I even was getting money from my job to pay the student loans back but he convinced me that I needed to put it towards the house and then forced me to leave.
Fast forward 7 years and I’m still paying for that mistake but now I have a house of my own. I had a plan to get it next year however things happened with someone else and the opportunity appeared so I jumped in…
The house needed things and I was working two jobs just to cover but I relied on my cards again.
Currently I’m about $20k behind in credit and personal loans. One Greta thing is that my car is paid off. I am driving my current boyfriend’s car so I would like to include that in my request to pay it off for him.
I had a plan to payoff some of my debt; I started a Christmas club fund last year and it would have paid off one of my debts however I had to have surgery which cost me over $2k once my insurance paid out so I used my Christmas club money to pay it mostly off.
So my estimated total that I’m asking for would be around $70k to help me and my boyfriend out.
It can arrive in the form of anonymous form or via lottery winning jackpot. If I did win the lottery this year I would not only pay off my debts, I would for my entire family, set up college funds for all my friends kids, give capital to some of my friends to start their dream jobs and open a huge soup kitchen in the Norristown area. I’ve always been about giving back to others in need.
Thank you for reading my letter Santa and I hope it finds you well.
In warmest thoughts and regards,