After posting my blog about PDL, I have had an amazing response. I’ve had good comments, bad comments and fairly insulting comments but one comment stood out and really pissed me off.
“The whole thing sounds incredibly dumb. Sadly though, there are thousands like you. It seems the younger generation weren’t taught how to save, or the value of money. Or ever told the word NO. You nailed it yourself, right at the end. Greed. It sucks to have to go without something you want. Unless your mature of course, in which case it simply becomes a goal to aim for.
gimmie gimmie gimmie want want want now now now.
Now, if you know me, you’d know I can take an insult and I like a good old debate, but this comment touched a nerve. This person is basically slating the way I’ve been brought up. The reason I first took out a Pay Day Loan is because I needed to get a new tyre for my first car. It’s rude to ask for money, I wasn’t going to ask my parents for some money, as I know their money situation wasn’t brilliant at the time. It wouldn’t have been fair on them. I’ve been brought up to stand on my own two feet. This tyre was a must, otherwise I wouldn’t have been able to go to work, and make an honest living unlike the thousand of people out their scrounging off the government because they cannot be bothered to get off their arse and would rather stay in and watch Jeremy Kyle.
I was taught the value of money, but who hasn’t decided to spend some money on themselves because they deserved it? Working where I work isn’t easy, doing 12 and a half hour shifts isn’t fun. So excuse me if i decided to spend MY money on a few nights out after a shit days work. Who the hell are you to tell me that I can’t? I’m not going to lie, I’m rubbish at saving money, but I’ve learnt my lesson and I now have a savings account set up, ready for my next pay day.
Secondly, I have been told the word no, too many times. Rejection isn’t nice, but it’s way of the world. Everyone will have rejection in their life at some point. I can take the word no, but I can also find ways around this word. It’s called determination. It drives me, but it’s also nearly destroyed me.
There’s a huge difference between want and need. I didn’t want to spend money on a new tyre, but I needed it.
Yes, I have to admit, I was being greedy but taking out more than I needed a couple of times, but these PDLs are a vicious circle. I have had lots of comments on Twitter from people telling me that they cannot get out of the circle, and there has been a couple of people who have told me that they cannot see any other way out. Sometimes, this is the only option for people as they do not have any close family or anyone that they can borrow money off, whereas I was too proud to ask people. These PDL companies pray on the vulnerable. I would love to see the reaction of this comment from the “thousands of people like me” What I want to know, is whoever posted this comment, are you in debt? If you told me that you haven’t been in debt, I wouldn’t believe you. Since posting this blog on my facebook, a lot of my friends have messaged me telling me that I am not on my own, and that they have been in debt too.
“Citizens Advice Bureaux in England and Wales dealt with 8,652 new debt problems every working day during the year ending September 2011.”
(I won’t bore you with more statistics, but if you’re interested http://www.creditaction.org.uk/assets/PDF/statistics/2012/february-2012.pdf)
Anyway, enough about that.
I have been incredibly lucky. After posting my blog, my mum read it on Facebook, and called me straight away. I got the bollocking I was expecting, but then she told me she was going to pay off all my debt for me. I was astonished. My mum said to me “I’m more upset with the fact that you didn’t come to me sooner. I’ve been in a similar situation and I know exactly how you feel” I felt so overwhelmed. She paid off everything. Before you think that I’m debt free, I’m not. I now have set up an agreement with my mum that I will pay her back a certain amount every month until I have paid back everything I owe her.
If you know me, you’d know I’m not the type of person to talk about my problems or my feelings, but writing this blog has taught me a valuable lesson. If you don’t talk about your problems, they won’t get solved. If you’re reading this and you’re in debt, please, go talk to someone – anyone. Don’t bottle it up and worry about it more, because it’ll only make you feel worse. Take me for example. I have had so much support from friends and family. If you don’t have the support network, go to the Citizens Advise Bureau, They are so good with this type of thing. (http://www.adviceguide.org.uk)
Put your ego aside and deal with it head on.
Whatever you decide to do, don’t face this alone.