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Penalty shoot out in Germany.
Justindebt
Posts: 88 Forumite
When Miroslav Klose equalised for Germany against Argentina last Friday, I was en route to the airport to pick up a friend.
The sun was shining, the radio commentary was engrossing...and my little niece, who had came along for the ride, was keeping me amused.
For once in my awful life I felt half relaxed and at ease.
Some of you may remember me from around about a year oir so ago.
The bloke with over 100K debts and who hadn't told his wife.
Who practically drove himself insane keeping the extent of the problem under wraps.
The man who patrolled the streets each morning so he knew eaxactly where the postman was in order to be standing by the door when he arrived.
And ordinary man who made the greatest mess imaginable of his life.
But I digress.
Arriving at the airport, I discovered the plane was running late.
So I settled down just outside the bar to watch the extra time in the match, while the niece ran around with some kids she had met there.
There were no furtther goals in extra time, and the match went to penalties.
Halfway through the penalties, my riend texted to say the plane was landed.
Afret the shoot out, which Germany won, we made our way home.
We ropped the niece at her mother's house first....spent ten minutes there and then dropped my friend and her husband at her family home.
Then I came home here.
Mrs. Justin was sat out the back garden having tea and reading the newspaper.
I came up to the screen and logged in to do some research on the net.
I heard Mrs. J come in from the back.
Then I heard a scream......then sobs.
I thought she must have had an accident and started to walk toward the stairs.
"How could you do this to me.....how could you do this to me.....".....I heard her shout between the sobs.
And then a terrible realisation came over me.
I had left some letters from my creditors on the dining room table.
Normally I am very careful to leave things hidden, but that afternoon I had been reading some of them and just decided not to bother putting them away because I would be home long before she returned from work.
But the penalty shoot out in Germany had done for me.
She brandished two letters, waved them in my face.....and fell on the floor crying.
They were for a total of £15,000......the mere tip of the iceberg.
I didn't know what to say.
Her lovely face was contorted with anguish and fear.
"What are we going to do....." she said through the tears.
I was speechless.
"This is your chance", I thought to myself...."Tell her now.
But I couldn't talk....my mouth dried up.
For two years I had dreaded this moment, and when it came it was even worse than I had imagined.
I had to get out.
A few months ago I had come clean to her best friend, who said I should tell her and that she would be there for the both of us.
But events conspired against telling her.
She was ill.....then there was a death in the family....then I started passing blood in my urine and there was a cancer scare.
Always something stopped me telling her.
But now it was out.
I decided to go to tell her friend.
But to my surprise, Mrs. J begged me to stay.
I could tell she was worried as to what I might do.
But I had to go.....first assuring her that I would be back.
Off I went round the friend's house.....told her the game was afoot, but that all hadn't yet been told.
She sent me back home.....wher my bueatiful wife was sitting, still cring, but she said she was glad I was back.
Then she asked for the whole truth.
I took a sharp intake of breath.
"About one hundred thousand pounds", I said.
The colour drained from her face as she fell back on the couch.
I didn't know what to do......but I needed someone here.
I called my sister, who knows of my problems.
She came round......and the three of us talked until 2 a.m.
My sister is s good businesswoman.
I told her of the IVA alternative and how I had been speaking to a bloke who said if my wife could raise enough money on the house, he might be able to get the debt slashed and cleared.
But he stressed it would have to be my wife, because together our assets are too great.
Whereas half the house and half of two endowmant plicies are all that is left of anything in my name.
My sister offered to help.
She owns lots of houses and several are clear of mortgages.
She says she will raise a mortgage on one of them to clear whatever the insolvency practioner can bring the debt down too.
That put Mrs. J's mind to rest a bit.
Next day her friend came round as if by chance, and my wife tol;d her all.
She has been very supportive as well........she is a lawyer and will deal with whaterever needs dealing with.
And she has also offered financial help if we need it, though Mrs. J doesn't want that.
We slept apart on Friday night.
And on Saturday.
By Sunday we were back in bed together, having a little laugh and talking about what we would do.
On Monday I called the insolvency practioner and we have an appointment in two weeks time.
We will be away on holiday next week, and so will he.
The relief I feel is palpable.
I am so glad to have stopped living a lie.
God knows what the future will hold.
But at ling last I now know that I will face it with my wife, a woman I have let down so badly but who still tells me she loves me.
For my part I feel only shame.
Shame and self loathing.
But at least now I see a tunnel......not a light at the end of a tunnel, but a tunnel into which we will walk together, looking for the light.
And I have no doubt there will be a big shining light at the end of that tunnel.
And the penalty shoot out in Germany?
It is like my life in microcosm.
It came down to a penalty shoot out on Friday night as well.
And unlike Lampard, Gerrard and Carragher......Mrs. Justindebt stuck the ball in the back of the net.
To the desperate people who are reading this, I hope my tale will give you some solace.
You are not alone in this desperate cesspool of debt and despair.
May God bless you.
The sun was shining, the radio commentary was engrossing...and my little niece, who had came along for the ride, was keeping me amused.
For once in my awful life I felt half relaxed and at ease.
Some of you may remember me from around about a year oir so ago.
The bloke with over 100K debts and who hadn't told his wife.
Who practically drove himself insane keeping the extent of the problem under wraps.
The man who patrolled the streets each morning so he knew eaxactly where the postman was in order to be standing by the door when he arrived.
And ordinary man who made the greatest mess imaginable of his life.
But I digress.
Arriving at the airport, I discovered the plane was running late.
So I settled down just outside the bar to watch the extra time in the match, while the niece ran around with some kids she had met there.
There were no furtther goals in extra time, and the match went to penalties.
Halfway through the penalties, my riend texted to say the plane was landed.
Afret the shoot out, which Germany won, we made our way home.
We ropped the niece at her mother's house first....spent ten minutes there and then dropped my friend and her husband at her family home.
Then I came home here.
Mrs. Justin was sat out the back garden having tea and reading the newspaper.
I came up to the screen and logged in to do some research on the net.
I heard Mrs. J come in from the back.
Then I heard a scream......then sobs.
I thought she must have had an accident and started to walk toward the stairs.
"How could you do this to me.....how could you do this to me.....".....I heard her shout between the sobs.
And then a terrible realisation came over me.
I had left some letters from my creditors on the dining room table.
Normally I am very careful to leave things hidden, but that afternoon I had been reading some of them and just decided not to bother putting them away because I would be home long before she returned from work.
But the penalty shoot out in Germany had done for me.
She brandished two letters, waved them in my face.....and fell on the floor crying.
They were for a total of £15,000......the mere tip of the iceberg.
I didn't know what to say.
Her lovely face was contorted with anguish and fear.
"What are we going to do....." she said through the tears.
I was speechless.
"This is your chance", I thought to myself...."Tell her now.
But I couldn't talk....my mouth dried up.
For two years I had dreaded this moment, and when it came it was even worse than I had imagined.
I had to get out.
A few months ago I had come clean to her best friend, who said I should tell her and that she would be there for the both of us.
But events conspired against telling her.
She was ill.....then there was a death in the family....then I started passing blood in my urine and there was a cancer scare.
Always something stopped me telling her.
But now it was out.
I decided to go to tell her friend.
But to my surprise, Mrs. J begged me to stay.
I could tell she was worried as to what I might do.
But I had to go.....first assuring her that I would be back.
Off I went round the friend's house.....told her the game was afoot, but that all hadn't yet been told.
She sent me back home.....wher my bueatiful wife was sitting, still cring, but she said she was glad I was back.
Then she asked for the whole truth.
I took a sharp intake of breath.
"About one hundred thousand pounds", I said.
The colour drained from her face as she fell back on the couch.
I didn't know what to do......but I needed someone here.
I called my sister, who knows of my problems.
She came round......and the three of us talked until 2 a.m.
My sister is s good businesswoman.
I told her of the IVA alternative and how I had been speaking to a bloke who said if my wife could raise enough money on the house, he might be able to get the debt slashed and cleared.
But he stressed it would have to be my wife, because together our assets are too great.
Whereas half the house and half of two endowmant plicies are all that is left of anything in my name.
My sister offered to help.
She owns lots of houses and several are clear of mortgages.
She says she will raise a mortgage on one of them to clear whatever the insolvency practioner can bring the debt down too.
That put Mrs. J's mind to rest a bit.
Next day her friend came round as if by chance, and my wife tol;d her all.
She has been very supportive as well........she is a lawyer and will deal with whaterever needs dealing with.
And she has also offered financial help if we need it, though Mrs. J doesn't want that.
We slept apart on Friday night.
And on Saturday.
By Sunday we were back in bed together, having a little laugh and talking about what we would do.
On Monday I called the insolvency practioner and we have an appointment in two weeks time.
We will be away on holiday next week, and so will he.
The relief I feel is palpable.
I am so glad to have stopped living a lie.
God knows what the future will hold.
But at ling last I now know that I will face it with my wife, a woman I have let down so badly but who still tells me she loves me.
For my part I feel only shame.
Shame and self loathing.
But at least now I see a tunnel......not a light at the end of a tunnel, but a tunnel into which we will walk together, looking for the light.
And I have no doubt there will be a big shining light at the end of that tunnel.
And the penalty shoot out in Germany?
It is like my life in microcosm.
It came down to a penalty shoot out on Friday night as well.
And unlike Lampard, Gerrard and Carragher......Mrs. Justindebt stuck the ball in the back of the net.
To the desperate people who are reading this, I hope my tale will give you some solace.
You are not alone in this desperate cesspool of debt and despair.
May God bless you.
0
Comments
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Thanks for your story Justindebt - glad you've finally shared your debt problem with your wife. Best of luck with sorting it all out. It sounds as if you both have a good network of family and friends who will help you both in the months to come.
All the best for the furture to you both.
Ww0 -
That is one story that ill remember .... Well done, Best wishes and good luck....
It just shows that people, friends and family are all there when you really need them, and things arnt always 'that bad '.0 -
Good luck to you both from me.Official DFW Nerd No 096 - Proud to have dealt with my debt!0
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this absolutely cry...
such a wonderful, moving, passionate story. so well put. thank you for sharing this with us. and all the best to both of you for the future.
i send you much hope.MFW Newbie - #17. (#116 in 2019)
New Mortgage at Nov 19 - £273 499
Current Balance - £268 225
Want to cut down 26 year mortgage by 9 years!
New MF date 2036 :dance:0 -
What an amazing writing style. Use your talent to bring in some extra dosh!
But seriously, my heart goes out to you. Keep us updated. I look forward to reading more...
:heartpuls CG :heartpulsEver wonder about those people who spend £2 apiece on those little bottles of Evian water? Try spelling Evian backward.0 -
I agree with CG.
You need to put your writing talent to good use, you're fab at it !!!
It's been a year - dont let it be so long next time
Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:Loves being a Wonderbra friend :kisses3:
0 -
Hey Justindebt,
Well - you've got me in tears. Whao -what a story. I know you are not out of the woods yet but good luck with everything and keep us posted.
Lots of love to you and Mrs J - keep posting here and we'll see if we can help.
scottishspendaholic xMBNA = £4,000 / Next = £925 (approx. tbc on 19/8)
Tesco = £2,910.11 / Smile overdraft = £500
Bank of Scotland = £2,782.830 -
Can i just and well done by the way but we did suggest telling your missus for ages and ages.
and anyone who is reading this that is thinking about doing it...you may as well coz you will get found out eventually and whats the worst that can happen...you get kicked out...but least u get ur sanity back!
Will
Edit if u do get kicked out or worse its not my fault!!SShhhhhhhhhhhhhhhhhhhhhhh0 -
So football 'does' have its uses after all!!!!
I'm glad the weight's been lifted from your shoulders, your wife must love you very much and that's something that money can't buy. Good luck with all your plans for the future. xJust run, run and keep on running!0 -
Thanks for posting, That took incredible strength of mind, and character. Every success in the future friend.0
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