I'm in my 30s now and I started regretting countless decisions I made when I was younger and wished I have done things differently. My mother was a very thrifty person and all the money she saved goes to our educational use. She don't spend much on herself and we don't get to buy things we wanted unless it's a must to have. When I started working, I suddenly felt I'm free to buy anything I can't have in the past, so much so that I started overspending blindly and go way over my ability to repay by now. I used to have a great job that allows me to sustain my expenses. However I left the job behind and started a small restaurant with my husband. I hesitated about the restaurant because of the cost to start the business and how are we going to sustain the business in view that we don't have any experience in F&B business. My husband needed this business to generate income for us to survive. He is in his 40s and cannot get a corporate job even if he wants to.
Currently our business expenses is very high as we only hire local people and use good ingredients to maintain our quality. We don't have the fund to promote our business and hire more people in order to bring in more business. At the same time, we are unable to repay all our loans with the little money we earn. My husband is entangled in a legal woe with his ex client (a huge corporation) who is trying to rip him off after unjustifiably and going against the law in order to cut him off. Whatever little he has goes to the legal fees and we foresee much more fees will be incurred looking at how the other party is doing many tricks and cunning schemes to bring my husband down to avoid getting into trouble with the law they've broken.
We are struggling to meet our ends and trying really hard to stay positive. If my husband does not have the financial ability to continue funding the legal case, the consequences is unimaginable. Besides the possibility of losing our house, we also have to both go bankrupt soon and lose everything we have now. My parents have spent a lot helping my husband with the legal fees so there is no way i am going to ask for more help from them. And I've been keeping mum about my financial problems from them because I didn't want to burden them further. I really wish that crowd funding can help me get through this crisis somehow. Please lend a helping hand, a little goes a long way..