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  • FIRST POST
    • NoOneAround
    • By NoOneAround 27th Aug 14, 9:22 PM
    • 1,422Posts
    • 6,846Thanks
    NoOneAround
    Spent 4 years pretending it's all OK
    • #1
    • 27th Aug 14, 9:22 PM
    Spent 4 years pretending it's all OK 27th Aug 14 at 9:22 PM
    Bewildered, confused, terrified that will lose everything we have worked so hard to build up. Over 70 K unsecured debt and 28K owed to family. Have been self employed for 10 years but business gradually gone down hill in recession. partner went back t o work, on good salary 47K but not enough, plus some money still coming in from business/part time jobs. Have 3 years left of independent school fees (yes we could pull child out but it would destroy him - please don't judge), older child about to go to university and we won't be able to provide much support. Talked to debt charity earlier this year and wrote to some creditors but not all - kept thinking things would improve but they haven't yet, so now need to do the rest - wish I had listened and acted fully 6 months ago. Better late than never I guess. Desperately looking for a job but too stressed to produce good applications. Sleep deprivation and now relationship problems. Have a decent house but don't want to downsize as have elderly parents with health issues who will need our support and probably move in with us. Health beginning to suffer. Don't know how we got ourselves into this state - well educated, professionals, feel totally ashamed, so keep up the pretences with everyone that everything is hunky dory. So sad and depressed.
Page 83
    • NoOneAround
    • By NoOneAround 17th Mar 17, 8:14 AM
    • 1,422 Posts
    • 6,846 Thanks
    NoOneAround
    Auto correct and fatigue make for wonderful typing

    Morning
    Don't know where this week has gone.
    Progress made but still plenty to do. Am meeting friend for coffee - haven't seen her in 4 years? her dd and my dd used to be close at primary school.
    This is part of my efforts to expand my world a little more - past few years focussing on family taken its toll, but there are some friends who you can just pick up with where you left off - I think this is one of them.

    Wont get much as done today as then doing my volunteer work this pm.
    10 degrees colder today

    Have a lovely weekend
    NOA
    x
    Feb2014 Total unsecured debt £72,520>>24/02/15 £71,730>> 17/02/16 £71073>>01/06/16 £68166>19/07/16 £68004=6.23%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • Bobarella
    • By Bobarella 17th Mar 17, 12:32 PM
    • 10,113 Posts
    • 64,766 Thanks
    Bobarella
    Hope you have a nice coffee date. I know just what you mean. My social circle has dwindled away as well. Its kind of sad that people stop contacting you just because you dont contact them, especially when you have been there for them through all sorts. It also makes me a bit cross with some (family) who you just think, I could be in a ditch for all you know, thanks for checking!

    I think the isolation from being in debt can be one of the hardest things to take, thank heavens for the forums
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1475.90 2016 £2,535.16 2015 £1027.20
    • NoOneAround
    • By NoOneAround 19th Mar 17, 8:42 PM
    • 1,422 Posts
    • 6,846 Thanks
    NoOneAround
    Thanks Bob, had a lovely catch up with friend, hopefully will stay in touch now.

    My isolation in RL has been self induced - mostly because of debt, N but also due to family situation.

    Stayed home this weekend, managed to lawn with DS yesterday, and a bit of tidying with his help. Exhausted myself though so couldn't do any more today. Lots of washing today, most hand wash stuff that need ed drip drying - all done outside Very Eco friendly.

    Also got a nice surprise when I updated meter reading for Electricty today - DD gone down from £60/month to 42 Main difference is that dishwasher not fixed (but that was fairly new and A+ rating but the big one is getting rid of the very old fridge freezer! it was 32 years old
    Will wait til easter sales to get a another as quite difficult to manage with just the one - no room to bulk cook and freeze or buy things on offer.

    Didn't get as much done at home as I wanted. Feeling quite low and unwell, need to talk to dr again tomorrow, so early night again.

    Hope everyone has had a happy weekend
    NOA
    x
    Feb2014 Total unsecured debt £72,520>>24/02/15 £71,730>> 17/02/16 £71073>>01/06/16 £68166>19/07/16 £68004=6.23%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • Fortune Smiles
    • By Fortune Smiles 20th Mar 17, 5:58 AM
    • 2,285 Posts
    • 18,283 Thanks
    Fortune Smiles
    Take care NOA - hope you feel better soon.

    Fortune x
    Moving Costs: 73% Mortgage: 25% remaining House Deposit Contribution: 56%

    "It is possible to move mountains by carrying small stones."
    • Bobarella
    • By Bobarella 20th Mar 17, 1:46 PM
    • 10,113 Posts
    • 64,766 Thanks
    Bobarella
    Sorry you are feeling low. Big hugs.
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1475.90 2016 £2,535.16 2015 £1027.20
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