Posted: 05 January 2018

Debt doesn't have to be scary

We worked with Aaron when he left care. Since then, he's partnered up with us to make a video about his experience of being in debt. 

Falling into debt

When I was 18, I left care and I moved into a flat. It was daunting at first, but I had worked out a budget for my money. I took out a contract for my phone and began to pay bills. For a while starting adult life seemed fine.

Then, all of a sudden, I realised that I had more bills coming through, things that I hadn’t planned for and my money couldn’t stretch as far as I needed it to. There were some bills that I just couldn’t pay. I started to worry and wasn’t sure where to turn, every time I got a letter through the door, I was genuinely scared.

I didn’t know who was going to knock at the door next, I’d been threatened with bailiffs and wasn’t sure if they’d show up. I was so worried about debts to settle that I thought I wouldn’t be able to pay my rent or buy food. It was quite daunting.

Instead of asking for help, I was embarrassed, I didn’t want to get judged and look stupid.

Advice for others

If you’re having money problems or you’re worried about debt, you don’t have to feel embarrassed like I did. You should always try and speak to someone – let friends and family know you’re worried and seek advice on how to manage your debt.

There are websites that can help. You can also speak to Citizen’s Advice or Stepchange Debt Charity. More advice for young people in debt can be found on The Children’s Society’s advice hub.

Join the campaign

Under 25s in the UK have the highest levels of debt compared with their income, making it even more difficult for us to get out of debt. I think the government should allow us a bit of time to get more financially stable, to help us pay back our debt without extra fees and charges mounting up all the time.

The Government should give us a breathing space. Right now, we have a crucial chance to make sure the breathing space scheme will be good enough to help young people escape the debt trap.

By joining the campaign you could be helping other young people like me to get out of debt and avoid the stress and anxiety that unpaid bills can bring.

Watch the video

I partnered up with The Children’s Society to make a video about my experiences because I hope it will show other young people how easy it is to fall into debt and help those who might be struggling with overdue bills.

Please watch the video and share it with your friends:


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