worried about the future

dalip

No No No No No No No


Just Do It.....

chelseabun_3

Alfiemama, we cannot make that decision for you, my dear!;) Or advise you what to do - but we can share our experiences and support you, whatever your decision is! Take care, CBx:D

alfiemama

Kinda knew that you would say that.

I just feel sorry for hubby he is in bits through lack of support from family

carolt

Don't usually read this board but sawthe OP and read the thread. I can't understand why you need to become bankrupt - you say you can't work as you have 2 children under 4, but also that your older child is starting school. If I have got this right, and you only have 1 child at home now, why can't you work? Either putting the child in nursery, for which you'd get some state financial support, or getting relatives to help, or working at home in the evinings/naptimes.

I went back to work when my eldest was 4 months old, as we would have starved, literally, if I hadn't. I went back when my younger 2 were 1 year each, for the same reasons, not out of choice. In the case of my eldest, my parents babysat - in the case of my younger 2, I worked from home - there are countless things anyone with a little initiative can do, from selling on ebay to researching, and many, many more. I'm now self-employed - I don't make much, as my youngest is 2, but once he starts on longer hours next year I should make a lot more. Check out the Up Your Income Board for more ideas.

It seems rather defeatist to say you can't work.

You mean you don't want to. No-one does - but needs must, sometimes.

alfiemama

Hi Sorry Carolt this is an old thread as easier to not have to go through it all
Oldest is at school now and the other is now in nursery and I do work, granted not much goes in the pot as goes on nursery fees but I do work.

It really hasnt anything to do with money at the mo, just the fact that we are living in a house that barely heats us and has damp probs, as we are on interest only we can never own it and as in neg equity cant sell it without a shortfall. we are hoping and praying that we dont have to go br, would only need to do for the shortfall

alfiemama

Oh god hope Carolt hasnt posted and ran. she must think Im really lazy, Im not at all, and would fight tooth and nail for a house

carolt

Awful living with damp - are there any grants out there for homeowners?

maxmycardagain

I have added a new "life rule"

if it makes you cry you dont really like it

goes with:-

dont stay where your not wanted
if its got tits or wheels its trouble
never eat yellow snow

philnicandamy

maxmycardagain wrote: »

I have added a new "life rule"

if it makes you cry you dont really like it

goes with:-

dont stay where your not wanted
if its got tits/wheels Or a PCB its trouble
never eat yellow snow

alfiemama

Think where possibly on too much money for a grant, as we dont get benefits apart from ctc and cb

Does anyone think that eventually there will be 100% mortgages and also anyone heard of the negative equity scheme?