what has your debt cost you other than money ?

peaceandfreedom

Rammstein1 wrote: »

The reason ive decided to get rid of my debt is the fact that it has cost me the love of my life
Rammy

Rammstein1, I am sorry you lost the love of your life because of your debt problems, but you are sorting things out and you should be proud of yourself for that.

For me, debt and ongoing money problems means I have no peace of mind, and no freedom to live my life as I'd like. I'm working on it though - hence my username 'peace and freedom' - the two things I am striving for.

Penny2myName

Buffythedebtslayer wrote: »

and I don't feel I could get involved with anyone till my debt is gone and I don't feel guilty about every pound I spend.

xx

Fully understand where your coming from with that one.
Holidays have now been put on hold until I can afford to pay for them upfront with cash and not worry that the money could be used on paying off debts.

On the whole I would say my debts have cost me my confidence.

andy40

hi All,

For my I have lost a lot of friends since I cannot join in their activities.
My relationships are been short lived for the same reason.
I also feel terrible that I cannot help my pensioner parents when I should be :-(

andy

Damita

No hols and less time out with my friends

Paulgonnabedebtfree

Not something I've said much about but it nearly cost me my life a few years ago. That was one of several lightbulb moments on the way back to sanity. It does cause me stress at times and I won't enter a committed relationship with my debt at its current level. But no matter what happens, it will never get to me like it did a few years ago. That was probably the lowest rock bottom I ever reached. It's funny, but when you pull back from the brink like that, something inside tells you that it will never be that bad again. I actually owe more now than I did then (needed a lot of time off work due to physical illness) but, because I've come to terms with my situation, I'm better able to cope with it emotionally. As far as I'm concerned they can take the lot away, but I'm still going to live my life as well as I can and to the best of my ability. There are things that transcend money (and that's not a religious comment as I'm not that way inclined). No matter what the numbers on the paper/spreadsheet reveal, the sunrises and sunsets can still be very beautiful. I intend to enjoy many more of them before my time is up. Crazy though it may sound, I used to take bread to feed the ducks in the park to help me keeped focussed. Don't knock it. It worked.

CAFCGirl

At my deepest darkest moments this debt cost me my sanity, my health and my sense of ownership over my life....

For so long you stare at numbers, which no matter how many tears you shed, never seem to go down, and that feeling of no control whatsoever tears your heart apart....

Its cost me many a sleepless night, it's cost me my sense of self, and its cost me my dreams..... but that said..... all of those things I will get back.... I will sleep again when the debt is gone, when the world is light again, I will get my sense of self back when my life is not primarily dictated to by the numbers and I will achieve my dreams.... just on a different time scale to how I first imagined....

One thing is hasnt cost me though is my inherent optimism, believing in the good in myself, and that, at the end of it all, this experience will make me a much better person than if I had never been through it...

Some days thats just what I have to tell myself in order to get through the days....

Good luck to everyone.... all is not lost, just postponed xx

PinkTwirl

My debt has cost me my self respect and I now class myself as a failure. I am nowhere near where I planned to be at this point in my life (31). My plan was get married, big house, 2 cars in the drive, great guy, kids, great group of friends. The lack of all of this has led me to spend like it's going out of fashion to fill in the gaps.

I feel at the end of the road expecting anything decent out of life. I had 10 years to get ahead and I'm just not. I did a science degree, so Ramstein, it's not just arts degree people that get a hard time. I got a good job to start with (except for the constant bullying that I seem to attract) but spent so much to make me feel better (it didn't) that collectively over the past 10 years I have run up about £55K of debt (having paid off about £27K of it cash and a 102% mortage for some, with £21K left to pay off).

It never went up to £55K, but that is it collectively over the years (not including student loan).

It's horrible to see like that.

Oh and I have a habit of killing threads it seems, so if there are no replies I will come back and remove this as no one likes a whinger it seems. Just when everything is going great.

CAFCGirl

you've not killed it Pinky xx

clearmydebts

PinkTwirl wrote: »

My debt has cost me my self respect and I now class myself as a failure. I am nowhere near where I planned to be at this point in my life (31). My plan was get married, big house, 2 cars in the drive, great guy, kids, great group of friends. The lack of all of this has led me to spend like it's going out of fashion to fill in the gaps.

I feel at the end of the road expecting anything decent out of life. I had 10 years to get ahead and I'm just not. I did a science degree, so Ramstein, it's not just arts degree people that get a hard time. I got a good job to start with (except for the constant bullying that I seem to attract) but spent so much to make me feel better (it didn't) that collectively over the past 10 years I have run up about £55K of debt (having paid off about £27K of it cash and a 102% mortage for some, with £21K left to pay off).

It never went up to £55K, but that is it collectively over the years (not including student loan).

It's horrible to see like that.

Oh and I have a habit of killing threads it seems, so if there are no replies I will come back and remove this as no one likes a whinger it seems. Just when everything is going great.

Hey,

You haven't killed this thread. Your just being honest. Anyway you have to stick around in the paper hat challenge thread cos me and you have our own race/challenge to get rid of 21k!!!!

Big hug to you!

pepe2008

In all honesty anything that i have lost BECAUSE of the debt wasnt worth it anyway. The worst part is feeling trapped by it........but maybe thats just a courage thing that would apply even if the debt wasnt there.
You see the Madonnas and Richies of the world saying 'oh well, that didnt work so I'll go and do something else' with such ease.