Advice please-feel so low!

sparklygal123

Hi there!

I have been lurking on the boards for a while now and have posted a couple of times a while ago now.I just wondered if anybody has any words of comfort,advice on what to do when you feel so low due to your debt situation?since the last time I posted things have gotten worse for me as I keep spending,consolidating,spending and now I have seriously got myself into financial bother!

I feel so sick at the moment as the reality of my situation has just hit me :eek:

Please help,many thanks

SamanthaA

Someone, who has more expertise, will be along any time now.

You know what they will ask for, so if you havent, prepare and post a SOA.

But your here now & its the best place to be to get help.....

Lula-Hula

hi sparklygal,

please dont despair as I'm sure the help & advice you'll get from the fab peeps on these boards will set you back on the road to debt freedom.

First of all how about listing your Statement Of Affairs so experts can see where you may be able to cut down your outgoings. Try this link : www.makesenseofcards . Then I would recommend listing all your debts with the interest rates, try this link to see if you can organise which to pay off first : www.whatsthecost. Another helpful site is : www.spendingdiary where you enter absolutely everything you spend money on. It soon shows where all those pounds disappear to :rolleyes: .

Take a deep breath & just face it head on - we're all right behind you

good luck
lula x

sparklygal123

it sounds ridiculous but i'm so scared to post my SOA,mainly because i think someone will guess who I am,and i do not want anyone i know to find out my predicament!

i feel like there is no way to resolve this

SamanthaA

Just post, swap some figures around, along with relevant intrest rates.

If they think they know who you are, they ain`t going to mention it because they would then have to explain what they doing here too!

So what anyway, everyones got aproblem at the mo, its called a reccession!

Deep_In_Debt

Hi sparklygirl
Just want to say hi. Please don't dispair. We're all here for you. As others have said, post up your SOA and we'll all see what we can do to help.

sparklygal123

Thanks for your advice!I guess you are right,im sure they wouldnt mention it!

I am worried that my problem will get worse as I have already spoken to the CCCS months ago regarding my situation and Im ashamed to say i didnt listen to them!

sparklygal123

I will try to post my SOA tomorrow as I have a few hours free before i go to work-what a scary thought-i just cant believe i have gotten myself into this mess

sparklygal123

have got to go now as OH will be back shortly,but will be on here tomorrow,thanks to you all that have replied-i appreciate it

arthurdick

ello sparkly.. i felt the same way , about a yr ago, deep in debt, no light at the end of the tunnel, only working to pay bills., putting debt letters in the drawer unopened., etc etc etc.......i never knew of these dmp things that help...... ok, a year later, still deep in debt, but only up to my eyes now, instead of over me head.......but, the worry and stress has really been lifted , thanx to the dmp i am on......;)....now, i am back to my old self, thinking like, ok, they can take my money, but not my life, or memories of good times, or fun times still to be had..........ok, i better stop now, i am rabbiting too much......but, as somebody above said, there will be skilled experienced helpers comming to your aid on here soon..................ok, my way aint the best.. but while im still alive, i am gonna enjoy it, i aint gonna let the bills get me down anymore...take care yeah.. av a giggle

arthurdick

hi sparkly. again .....im just bumping this up a bit for you, it was slipping down the pages, and i know that you really need some good advice........i hope that you do get some good advice and tips.....it is a good idea to do as the others have said... get you S.O.A down on here.........anyway, i hope it goes ok.........please dont give up.....dont let the debts kill you.....life is more important..............good luck