My second chance
My name is Patrik. I am 26 years old and I am currently going through a difficult life period.
Yes, but that sometimes everybody so my story probably won't be extraordinary.
Everybody sometimes has a difficult life, but some people are pushing it to the extremes. So I was like that...until recently.
It is very difficult for me to write this publicly and ask for help, but it is probably one of the few options.
My situation is quite complicated.
I still live with my mother and brother.
I have no job, and I have debts and enforcers on my neck.
I always wanted to do something more in my life and help people with problems.
However, I got into trouble myself and was unable to solve them in time.
I do not want to make a victim from myself because I am convinced that problems need to be confronted.
We should be focused on trying to find a solution to our problems.
I don’t want you to regret me. All mistakes are my responsibility and I have to pay a tax for them.
Okay, I'll briefly try here's my story:
My biggest problem was an addiction.
I was drug-addicted from 14 years old.
I wouldn’t mention which drug it was but its light drug and many people would say it's nothing.
These days it’s even legal in many states of the world and it’s not considered to be such a serious thing.
But I had a serious problem with that and even though I didn't use it every day I was addicted.
It often caused me anxiety, paranoia, and various other nasty conditions.
I had "friends" of which basically everyone uses it and I was no exception.
But it is not their responsibility that I was using this drug but of course the only mine.
Anyway, this habit of mine kept me unmotivated and dumb, and I preferred to use it instead of working on my goals.
When I even started something, it often turned out unsuccessfully because I could not concentrate and get the work to a successful end.
I think that maybe because of that I have a serious problem with attention and ability to concentrate.
It's a little better now but the problem is still there.
I won't even count and write down from how many jobs I've been fired because I was just incapable of focusing.
I just couldn't remember things and couldn't concentrate on work.
I suffered from social anxiety and did not feel comfortable in the company of people.
It was really painful.
During this time I made many mistakes and stupid decisions.
The worst decisions were the ones that got me into the troubles that I need to face now.
I got into a debt trap ...
I borrowed money because I was unable to function normally.
I had borrowed money to live on, but I started to pay off my debts by other debts.
Gradually, I lent so much money that my debts climbed to an incredible €30,000.
I got a huge interest rate there because most of the companies I owe are non-bank entities and they have usurer interest rates.
I tried to repay them, but it was not possible already. Bubble swooped.
To be able to repay all my debts properly, I would have to pay €1,000 per month and this is the average monthly salary in my country.
In the district where I live, the average monthly salary is €500-600.
So it's hard to pay my debts and also live from something.
However, what is the problem and why am I asking for help?
Someone can say he made his debts he should go work to pay them off.
Yes, of course, but in Slovakia in the country where I live, it is not so easy.
This is maybe similar in other countries...I don't know.
But when I start working and my creditors find out that I work somewhere...they know it very easily through a social state company, so soon my employer gets a letter asking for wage deductions.
The employer has to comply, and I will only have a living minimum from my salary. Something around 200 euros per month.
And from that, I can't live.
I will not cover the basic expenses of this money.
This is the reason for which I am asking for help.
This makes it very difficult for me to find a normal job in my country.
My only solution is to start again and get a second chance.
That means paying the minimum necessary amount of debt, finding a job and in free time start small online business addition to working.
Then trying to pay my debts as fast as possible.
Now is the time to change and I must finally face it!
Like a citation that gives me motivation. Marc Cuban said it:
"It doesn't matter how many times you fail, you only have to be right once,”
This is one of the quotes that gave me power in these hard times.
But how can I be successful after so many failures? How do I guarantee I will succeed now and recover from these problems?
First of all, I am an addict in recovery now. I am clean, don't meet old friends, don't go to parties, and don't waste time.
I've been clean for months, working on myself, meditating and trying to be a better person.
I am at home and am working on possibilities to solve my situation. I put together a plan and everything that is needed to succeed.
I feel I have changed and discovered the strength within me to break and overcome everything.
I feel nothing will stop me anymore.
I will start working, paying my debts and launch a business that will be successful.
For me, it's all or nothing. Maybe my last chance.
That's my attitude.
So my plan:
At first, I need to breathe in and pay out the necessary part of the debts — till today — €4,327.
Then I can start working in a job because paying off this part of my debts would stop avoid deductions from my wages at least for a few months.
In addition to working out of the remaining amount of money, I will start doing affiliate marketing because, in my point of view, this is the only business available where one can succeed with a small investment.
I will start in small and step by step grow.
I have studied this field for many months and am sure that I know how to succeed.
I just need to get started.
Later I will start creating my e-commerce products and brands.
I would also like to give lectures and coaching for young people and motivate them to a better life.
To show people the way that one can get out of big problems and start living a new life.
I want to serve people and be a valuable person for this world.
This is my plan and vision.
I need to solve my problems, become successful and then help other people who may be in a similar situation.
I am not asking you to pay all my debts. That wouldn't be fair.
As I wrote before all my debts are over € 30,000.
I have to take responsibility and pay off those debts.
I need gradually repay those debts and get back to life.
For clarification, my goal is to raise €5,000.
To pay the necessary part of the debts - till today - €4,327.
To start my small online business by the rest of the raised money
So I put it out of myself. It was very hard to get it out.
What to add?
Just a few people believe me that I can get out of the debts.
But I believe I can do it. I believe God believes in me and supports me.
I believe I can start again.
I very much appreciate you reading to this point. Thank you.
Please, if you feel you want to support me make that step and give me a second chance.
PS: Sorry if my English is unperfect, I am not a native speaker but I am trying to improve my English every day