My call for help

Hello Daryna and welcome to Find Some Money. I'm really sorry about your circumstances and hope things improve quickly. First of all you say your biggest problem is the debt you have with your bank. If you cannot service your debt I would suggest you get in touch with your bank immediately and let them know of your circumstances. By not contacting the bank you risk the debt spiraling out of control.

You should complete a income and expenditure form and show the bank you cannot service the debt and offer them a monthly payment of a few dollars or whatever you can afford. You should also ask the bank to stop all interest on the debt.

Also you should also be entitled to alimony payments from your ex-husband. I'm not an expert in European Union laws but there should be a way for the father to contribute towards the raising of your children.

You also mentioned that you make money by building websites. This is very entrepreneurial and you should pursue this relentlessly as you can work from home without the need to hire a nanny which means you could save money. You could become an expert at building websites and offer bespoke packages and grow your business into something big. Internet designers and website building is very lucrative so if you can offer a polished service you could make a lot of money. Please let us know how you get on and I really hope things improve for you.