Help Daniel Clark Break Free from Debt before his birthday!

"I want to live again!" ~George Bailey, It's a Wonderful Life

Hello, everyone!

My name is Daniel Clark, and I’m reaching out to you for help with a situation that has been weighing heavily on me for several years. I’ve found myself stuck in a cycle of credit card debt across two accounts that seems impossible to escape, despite my best efforts. Both accounts are maxed out and one of them is over the credit limit. To make matters even worse, my checking account is overdrawn, leaving me unable to buy even the smallest things for myself.

I work from home, but my income is inconsistent, and whatever money I do make goes straight toward my bills. Unfortunately, the interest rates on my credit cards are so high that even after making payments, the same amount seems to reappear the next month, negating any progress I’ve made. It's at the point where, even if I work non-stop, I still won't be able to completely pay these bills off anytime soon. It’s like running on a treadmill that never stops.

My family has been incredibly supportive, helping me as much as they can, but I’ve reached a point where I don’t want to be a burden to them anymore. They have their own bills to manage, and I don’t want to add to their stress.

The total amount of debt I’m facing is $10,375.76, with monthly payments averaging $303.42. Ideally, I would love to raise enough funds to pay off the entire amount between the two bills and finally close this difficult chapter of my life. However, any contribution, even just enough to pay only ONE of the two bills off completely, or even just enough to help me with the minimum monthly payments of the two bills, would make a world of difference. See the campaign photo above for a breakdown of what makes up the full debt amount and how much would be needed to cover each expense, including the minimum and total payments for both accounts.

The debt is the result of a very specific set of circumstances, including emergency expenses, from a few years ago. It was not accumulated as a result of reckless spending over things not needed or losing track of a bunch of small purchases to where they suddenly added up to so much. So, in case you are worried about "will he just get right back into this debt again if I help him clear it?", please rest assured that there is no chance of that happening, as the reasons for the debt have long since passed.

My birthday is coming up in the middle of September, and the last thing I want to do is spend it worrying about my finances or, even worse, considering filing for bankruptcy. I've honestly had this type of debt for so long, that I've almost forgotten what it feels like to not have to worry about it.

I’m ready to move on to better things, and with your support, I believe I can do just that. I’m so grateful for any help you can provide, whether it’s a donation or simply sharing my story with others.

Thank you from the bottom of my heart for taking the time to read this and for any support you can offer.

Sincerely,

Daniel Clark

P.S. - If you would like, as a Thank You for donating, I will gladly give you a special shoutout on my Twitch channel where I regularly stream video game content and will make a clip of the shoutout and send it to you. (Of course, if you would prefer to remain anonymous, that is completely fine too. I'll still find a way to acknowledge the act of kindness in some way.)

-------------------

As mentioned above, I am a live streamer on the platform "Twitch", where I stream a lot of retro gaming content. However, at the time of writing this, I haven’t been on Twitch as often as I usually am, partially because I wanted to take a break from it for a bit, but lately, I’ve been putting off my return to the platform because my spirit has just been so broken due to the stress from my finances.

It's a sad irony when the person who brings joy to others is unable to feel any joy himself for reasons like this, as the people who know me from Twitch know that I’m usually very happy and cheerful, and it has always made me feel good to know that it has resonated with my viewers so well, as evidenced by the many truly kind words they’ve shared with me over the years.

Unfortunately, over the last several days, I have been neither happy nor cheerful.

As I said, for the last few years, I’ve been really struggling financially due to the reasons listed above. And although I’ve managed to hold my bills back all this time, through a combination of my own efforts and with help from my family, they have finally caught up to me. With my income having slowed down significantly over the last few months, and so much more interest being added to my bills, plus the addition of emergency expenses incurred from having to repair flood damage in our family basement following three (THREE!) terrible thunderstorms straight out of my worst nightmares over the course of just ONE month... I’ve officially lost control over my finances.

When I do my Twitch streams, I always take pleasure in knowing that I’m bringing joy to my viewers’ day, but sometimes (read: MOST of the time), I would do them on days when things would be going horribly for me. So, I would just “put on my party face” so to say, so that everything would appear status quo. Sometimes, it would actually cheer me up and, at least temporarily, take my mind off of the terror that I was encountering in my offline life that day. People would ask me how things are going, and I would automatically say “Pretty good, thanks!” instead of “Well, I just got the worst news of the year an hour ago, but otherwise…” because who wants to hear that?

Where I come from, doing something like starting a GoFundMe campaign to aid with financial peril is considered a big "No-No” as it’s viewed as a “show of weakness”. But at this point, I don’t have time to worry about ego. I just need help, desperately. I’m not used to asking for help, I’m usually the one doing the helping, but right now, I’m just at the end of my tether and I don’t care about pride. After all, I’m a human being like anyone else.

So, once again, any help that you could offer would mean the world to me. And I will gladly give thanks to all donators, one by one, on my Twitch stream, and send a clip of me doing so to each of my donators in a manner like the one shown in my August 26th update.

Thank you for reading and God bless.

~Daniel