Yildiz Anderson – NSW
I found myself in financial difficulty following a period of serious ill health. I underwent open-heart surgery and spent a long time at home alone during my recovery, which had a negative impact on my mental health due to the lack of regular contact with others. During this time, I relied heavily on my credit cards and overspent without fully recognizing the long-term consequences. What began as a way to cope gradually turned into a cycle of spending, and before I realized it I had become overcommitted. Despite making regular payments, the minimum repayments have not reduced the balances in any meaningful way. Paying large amounts without seeing progress has been discouraging and has made it difficult to stay on top of the debts.
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