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Over £30k in debt. Red final notices covering my kitchen table. And just twenty quid left in my bank account. If you’ve ever struggled with money, felt completely overwhelmed by debt, or wondered how you were going to feed your kids and make it through another day, you know the exact nightmare I was living. My name’s Thomas, I'm based in the UK, And for past two years, I wasn't living - I was slowly drowning. My life was a complete emotional prison. Debt collectors calling me every day, demanding money I simply didn’t have. Letters warning about bailiffs coming to seize our belongings and legal action turning up almost every morning. Maxed-out credit cards, an overdraft I couldn’t get out of, and rent that just kept going up. I pawned my late mother's ring and took every extra shift I could get. I was working 70 hours a week across two exhausting jobs. Night shifts. Weekends. Barely 3 hours of sleep a night. Running myself into the ground and ruining my health just to stay afloat. And even then, once the rent, energy bills and council tax were paid, there was barely a single pound left to buy basic groceries. I was constantly skipping meals and going to bed starving just so my 8-year-old son has a proper uniform for school. While everyone my age seemed to be out living their lives, making for their families, meeting friends and enjoying dinners...