What personal posessions will the OR take

alastairq

stuff= gubbins

Pinkruth

kaleidoscope wrote: »

thank you..is hard not to though isnt it..11 years ago we bought our council house for 44 thousand..we had a fabulous start to life and we wrecked it

It is tough. When I went BR I was working for a bank in a very good job which was how I managed to get a mortgage. That was for for 47k, but being young and foolish I let it go to my head and spent what I hadnt got and couldnt afford to pay back. I went clothes shopping and nights out instead of paying my bills. It was my own fault and I openly admit it. I took the punches and the disapproving looks from family and cleaned my slate. I had too. It may seem a long way away, and it is hard, especially having someone go through your finances with a fine tooth comb. Your not a criminal. You are someone who has fallen foul of this economic crisis we are in.

Im not saying it will be easy giving up your home, it wont, but the relief when you come to terms with it and realise that the future can only get brighter from this point will far outway how your feeling now.

A house is just bricks and mortar, a home is what you make it, if that makes sense.

kaleidoscope

Pinkruth wrote: »

It is tough. When I went BR I was working for a bank in a very good job which was how I managed to get a mortgage. That was for for 47k, but being young and foolish I let it go to my head and spent what I hadnt got and couldnt afford to pay back. I went clothes shopping and nights out instead of paying my bills. It was my own fault and I openly admit it. I took the punches and the disapproving looks from family and cleaned my slate. I had too. It may seem a long way away, and it is hard, especially having someone go through your finances with a fine tooth comb. Your not a criminal. You are someone who has fallen foul of this economic crisis we are in.

Im not saying it will be easy giving up your home, it wont, but the relief when you come to terms with it and realise that the future can only get brighter from this point will far outway how your feeling now.

A house is just bricks and mortar, a home is what you make it, if that makes sense.

I recently saw this somewhere

A house is made of bricks and beams
A home is made of hopes and dreams

We sold the house two years ago..and walked away from it with barely anything as the housing market had crashed..my husband blames me for our finacial troubles because of my illness..thats another story

Pinkruth

kaleidoscope wrote: »

I recently saw this somewhere

A house is made of bricks and beams
A home is made of hopes and dreams

We sold the house two years ago..and walked away from it with barely anything as the housing market had crashed..my husband blames me for our finacial troubles because of my illness..thats another story

He's angry at your situation and not you personally. It manifests itself in blaming you. Try not to take that to heart. You don't have to go through it on your own. As valuble as advice is on this magic kingdom know as MSE, it is no comparison to one to one counselling. Talk to your GP see if he can refer you to someone. I say your GP because it wouldnt be a specific debt counselling person you would speak to, but someone who has a generalised approach and can help you with your husband blaming you and emotional impact that must be having.

As I said, his blame is a manifestation of his frustration of the whole situation, but it still isnt fair. Your are in this together. The blame game is not a good way of dealing with it, maybe you could both speak to someone? Just a thought.

You dont want this take your relationship to. Seriously its not worth it.

kaleidoscope

I think you are right and tbh we could BOTH probably do with counselling as its been so emotionally draining

Tupperware_Queen

When we bought our house it was for a similar amount, but we remortgaged to get central heating and windows done, as well as some work outside on the gardens. Fast forward a couple of years, house prices fall through the floor, hubby made redundant, and suddenly the whole house of cards comes down.......we did build up some CC debt etc, but that would have been manageable (just)....regrets...I have lots, but thats not going to solve anything, now I need to get on with my new life.