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5 years I worked as a contractor in the United Kingdom and was constantly in debt… That evening changed everything. I took this photo exactly 5 years ago when I was collecting my first parcels. Back then, I was a contractor for DPD. I was so proud at that time… I was born and live in the UK. The plan was simple: earn money for a house, save a bit, and return home after a few years. Classic. I started with finishing jobs and warehouse work. Then I sorted my documents, registered as self-employed, and thought it was time to work for myself. The “self-employment” trap Getting involved in subcontracting for DPD, I kept telling myself: “Thomas, now you are the master of your own life.” My own vehicle, no boss over my head. But to enter this business, I needed a proper “horse.” Getting a loan from a British bank as a “fresh” business owner was a real quest. Eventually, I got into leasing with interest rates I still remember with horror. £50,000 for a brand-new Mercedes Sprinter. I remember that time — temporary plates, the smell of new upholstery… I thought: “I’ll work for two years, pay off this beast, and start saving.” How wrong I was. Groundhog Day behind the wheel For the past years, every day was the same. Wake up at 4:30. By 6:00 I’m already at the depot loading. Over 200 deliveries a day. Traffic jams, narrow streets, and constantly unhappy customers. The van was always packed to the brim. You’re delivering goods worth tens of thousands of pounds, while wondering whether you’ll have enough left for a decent rest. Scanner beeping, GPS glitching, knee aching from constant jumping in and out. On paper it looked okay: £3,200–£3,500. But after taxes, fuel, insurance, rent, and repairs — there was almost nothing left at the end of the month. Out of that £50,000 debt, in 5 years I repaid at most a third. It felt like I was standing still. That evening at the petrol station In mid-April there was terrible rainy weather. I pulled into a petrol station, grab
