u/Defiant_Classic_7965

I am 39M. I made many mistakes in handling money. I earn a decent salary for a tier 2 city. But mostly of my emotional decisions with money dragged me in a spiral of debt that has been there for a few years now.

The reason for this post is to highlight the past and seek advice or suggestions to have a better future.

So my father was paralyzed back in Jan 2018, we hospitalized him and then he was treated for 3 days. Post which we got the discharge.

After a few days, he fell in the toilet all dirty and bleeding. I was sleeping at that time as I work in night shifts. My wife and sister came running and shouting that Papa is not opening the door. Somehow I broke into the toilet door and picked him up.

Sat him on the chair, bathed him. This was the incident that took my father's confidence away from him.

He was never able to stand or walk without a help or walker. Later his health started deteriorating. We did every bit and invested all that we could even beyond the savings.

I was frustrated looking at his condition and was unable to focus on the job. Left the job for 2 months. My wife was working at that time. Then my wife had a miscarriage in her 8th month pregnancy.

Father was too much demoralised. His mental health also started weakening. My father passed away in May 2022. During that time, I already dented my CIBIL.

In 2023, my Widowed sister who lives with me was diagnosed with Macular Edema and Uveitis. We had to run to Chennai for her treatment.

It's an expensive one. And in an emergency I jumped on to borrow money from short term or payday loan apps.

Since then, I played enough rollover until March 2026 when I decided that I cannot pay a single penny any more. So I defaulted the payments.

But now, due to these loans, I have an overall debt of 25-30 lacs which definitely includes borrowing from these apps and then friends, family and informal lenders.

Out of this whole debt, I am more concerned about paying friends, family and informal lenders as they stood with me.

My 60% income goes towards home loan and then rest in my day to day expenses.

Mind it, selling the house or mortgaging it is not an option for at least a year. I have already tried and tested.

So my question is that I do not belong to tech, I am in the service industry.

I want to increase my earnings by at least 50-60% of what I earn currently. Switching the job is not an option, industry is volatile at this time as I work for a US based firm. Been working with them for 6 years. Not much increments but at least a stable salary is there.

How do I increase my earnings, I really want to get into Youtube and instagram as a social media influencer. Where I want to use my failures as an example for others with measures they should take under those circumstances so that they do not make financial blunders in their life.

Please advise or suggest if this will work for me. I know it's not going to be an immediate income but is this something that I should look forward to.

I just wanna share a weird experience that I faced today.

So after my night shift, I do a side hustle. I do Rapido rides for 2-3 hours as I have a huge debt.

Today after dropping a pillion at Footi Kothi, I got another ride and I turned towards Rajneet Hanuman as per the Map. There was this random guy standing there and may be he was looking for some one. We had an eye contact and suddenly he rode parallel to me.

While riding he started pulling me and asked Manoj Jain Manoj Jain. I told him that I am not Manoj Jain but he barricaded me with his scooter and started snatching my bike keys. After a certain argument, I showed him my Office ID card after which he was convinced.

Still he took the photo of my number plates.

Just want to understand what could be the reason? Has anyone else experienced the same? Or know of any scams that can happen this way?

What should I do to ensure I do not fall in any sort of trouble.

I really need that side earning. I know it's small and will not add much value towards my target but at least helps me to manage daily household expenses.

Hi, I am 39M and the lender has asked me to pay 2% stamp duty express pay to the local person advocate or stamp vendor.

I have never met the lender personally so I need to understand whether it is legitimate or not.

I live in Indore, M.P.

And what is express pay?

Will the money that is 40000/- I pay for stamp duty is safe or is it a Scam?

Kindly suggest.

I am 39M, I have an overall debt of 12 lacs. I have tried the left right center to seek assistance from banks, NBFC's and even the Government of India and Madhya Pradesh State Government.

People will judge me for my debt, so I am clarifying this in the first place that none of this was taken for fun, entertainment, it was a trap that has taken me away.

I am really seeking this fund to overcome it as I do not have much or I should say any options, I am posting here to seek guidance from you all to arrange this fund in 15-20 days.

This debt includes money taken from online apps and individuals. Since my CIBIL has gone down, no bank or NBFC is going to approve my loan. I live here in Indore and choked with funds by all means.

I took the loan due to a medical emergency for my Widowed sister and a medical condition for my wife during her pregnancy.

Please guide me how I arrange this fund in 15-20 days as the private lenders are now asking for their money back, though the interest repayment has always been on time to them.

I spoke to them seeking some more time as I have always been prompt in repaying the interest but they have their own obligations and necessities that require funds and asking back the money.

Please help, suggest or guide me.