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My name is Dan. I'm 34. I'm from Britain. I'm a regular builder, a bricklayer. Been doing it for 9 years now, mostly self-employed through contractors. I used to earn decent money — two and a half, sometimes three grand a month after tax with overtime. When our son was born, my girlfriend went on maternity leave. Her benefit is only £184 a week. We thought we'd manage for a couple of months… until she could get back to work for at least a few days a week. But then everything fell apart. Winter 2025/2026 was absolute hell. The rain went on for weeks, sites kept shutting down one after another. The main contractor I'd been working for the last six months held up my payment for almost two months. Said "cashflow problems". In construction, that's like "normal"… but when you've got a woman and a kid at home — that's not normal. That's brutal. And as if that wasn't enough — the landlord raised the rent by another £165 a month. Nursery for our son — nearly £980. We started cutting everything. Food. Heating. Even nappies. We got to that point. And then the van finally finished me off. Clutch and gearbox completely died. Repair cost — £2,900. Without the van, you're nobody. No gaffer will take you if you can't drive to the site and bring your tools. I was losing money EVERY day while it sat in the garage. At first I survived on my credit card and overdraft. Then I took out a proper loan. Thought: "I'll fix it, get back on the tools, and pay it off quickly." But no. Interest. New bills. Our son got sick. And everything started sliding downhill. Now the debt just keeps growing. The debt collectors are already calling. And you sit there in the evening… looking at your kid… and thinking: "How the hell did I get here?" One night I couldn't sleep. Just lay there, scrolling through my phone. Came across a discussion about some app. People were writing that they were pulling money out of it. My first thought: — "Yeah, bullshit." But then… honestly? I did
