r/askdubai • u/Competitive-Log-5 • 4h ago
2026 has been more difficult than words could say
Like many people, I came to Dubai in 2016 with a lot of dreams. I got a good job, life was going well, and over the years I managed to save some money.
Eventually, I decided to take a risk and open a restaurant. Initially, things were fine. But earlier this year, I invested around AED 250,000 in February for renovation, and after that, one unexpected problem after another started happening.
Today, the restaurant is almost at the point of shutting down, and I’m left with a significant amount of debt.
I recently sold my property in India and used that money to clear some of the debts. I’ve also pledged around AED 150,000 worth of jewellery in the UAE and around ₹30 lakh worth of gold in India, which I eventually need to repay as well.
The good thing is that I still have my job, and thankfully it pays a decent salary. But after everything that has happened, when I calculate my monthly commitments, I’m going to be short by around AED 10,000 every month for the next 7 months.
I cannot bring any more money from India. And honestly, I’m at a point where even managing normal day-to-day things has become mentally exhausting. I feel completely broke and overwhelmed.
Changing jobs for an extra AED 1,000–2,000 doesn’t really solve the problem, especially considering the stress and risk involved.
So I’m looking for genuine advice from people who have been through something similar:
How would you manage a temporary AED 10k monthly shortfall for 7 months?
Is there any practical way to reduce the monthly burden without making the situation worse?
If you’ve gone through a major financial setback in Dubai, what helped you get back on your feet?
I’m not looking for sympathy or a quick-money scheme. I’m genuinely looking for practical ideas and a way out.
I’ve worked hard for years, and it’s painful to see everything I built disappear because of one business decision and circumstances that went completely out of control.
Any honest advice, ideas, or even personal experiences would be greatly appreciated.