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††††††††††††††††††††††† ††††††††††††††††††††††† ††††††††††† ††††††††††† DEBT

 

I am sliding into increasing bad debt like someone struggling in quicksand Ė using credit to pay for credit and now in danger of pushing through the maximum amounts I can handle as the interest rates intensify. Proper work, a decent sale for my writing, etc could save me yet, but time is running out. I may well have to have a long hard chat with my bank manager very soon.

 

I get sick of seeing all the debt management ads on TV. They seem geared up to exploiting people with debt problems. I wonder if thy are any better than money lenders and loan sharks, though I doubt if they come round and break your legs Ė they are more likely to repossess your property and virtually bankrupt you. A few offer consolidation deals, putting all your debts together and freezing the often-extortionate rates set by credit card services.

 

Iíve never been great with money, though I survived on student grants and student loans quite well. Nowadays I just spend as normal when possible, expecting a job to be just round the corner, but so far itís proving to be a long time getting round the corner Ė I havenít worked in a year and Iím sinking fast. I havenít been extravagant. I never smoked; I donít gamble, or spend a fortune on porn Ė actually as a writer of erotica, that is one of the few things that keep me afloat.I wonder how much longer I can survive without a change in my fortunes. I keep sending out my writings. I have considered teaching abroad on TEFL courses, but the cost of getting there could defeat me. I have been busking with my poetry on the streets, but the returns are negligible compared to my spiralling debts. I feel increasingly doomed. I really think I could lose all this work now.

 

 

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