Hi, My Name is Nora, 31 years old and from Singapore.
When I was younger, clubs and disco and alcohols were my best friend.
Every night I would go and drink, and spend close to S$1000.
And if it's on my payday I will spend double.
And all this was happening when my son was only 2 years old.
I was sad, lonely and angry that my husband had left me and went back to his hometown in China.
This dragged on for 1 year. For me to maintain this lifestyle for that long. My savings was wiped clean. I started taking loans, sign up for more credit cards.
My son did not see me for a year, and was taken care by my mother who is not working, also old and sickly.
Finally, I become so broke and all my so called friends started to ignore me. That's when I realise the shits that I did. But it was too late, I am already in so much debt. For 1 year after that I tried just paying minimum sum, but even that I could not afford and just stop paying completely.
Pink letters start coming to my mailbox, then its registered mail, calls non stop from debtors, they are even knocking on my door.
Finally I gave in, and arranged an Installment plan with all my debtors and have been paying since Nov 2015.
I'm currently left with S$20,237 amount of debt.
I really hope that I can at least raise $20,000 and clear all my debts so that I can get my life back on track and raise my son better.