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Time to get it sorted!
Comments
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I feel you need some virtual hugs Bonnington.
You are carrying quite a load at the moment and like some others have said I worry that you could burn out and then there will be no one to keep on top of things in your family.
A DMP isn't as bad as it initially seems. For us the only is that we may not be able to remortgage at the end of our fixed term. I spent months, maybe years juggling money, doing surveys, selling our things on ebay and was still losing the battle with debt. My quality of life has improved immensely since I went to Payplan and my old union for help. I actually feel as though I have my life back. We are not on a DMP yet as our income is still too low but we do hpe to soon be able to start making payments. Our bank and cc companies have given us a 6 month break on interest free so long as we pay a token payment of £1 per month. When the six months are up we then hope to start being able to make payments to reduce our debt.
I hope that you can find someone to talk to, maybe the leader of your church.business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
'I had a black dog, his name was depression".0 -
Glad you're feeling a bit more positive. Agree with you needing to find some way to wind down each day. How about a lengthy bubble bath one day and a 30 minute stroll the next? Whatever you decide to do, you really do need to take care of your mental state to stay physically healthy. You carry a heavy burden of worrying about everyone else, who's worrying about you
lots of love and support
Granny xTargets
Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!
Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)
LBM : July 11 - £56,962
DEBT FREE 21-05-21
MORTGAGE FREE 13-06-18
Loving my kitty cat
https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p10 -
Have a great weekend Mr B
hope it's a relaxing one ! Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
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Hi Bonnington
Glad to hear you so positive. Enjoy your weekend and don't stress. Maybe you could listen to some soothing music whilst you garden. Get the earphones on. 0 -
I hope you manage some relaxation this weekend Bonnington.business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
'I had a black dog, his name was depression".0 -
Hope you get some quiet time for just you this weekend Mr B
Granny xTargets
Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!
Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)
LBM : July 11 - £56,962
DEBT FREE 21-05-21
MORTGAGE FREE 13-06-18
Loving my kitty cat
https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p10 -
Just catching up Mr B..glad you are feeling less low, but do think Mrs B needs to be told the truth...it's too much for you to have to wrestle with on your own..and anyway it's not just your debt..it's a joint responsibility.
Please please do think about telling her. At the moment, and I am so sorry to say it, but it's like you are the adult and she is the child. And that's no way to be, certainly not long term. Sorry to be blunt but I know you have been struggling with this for a very very long time. It's not a temporary thing.
Lots of hugs anyway and hope the weather in Scotland is as beautiful as itis here MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Well done on all your hard work. Have a more restful week if you can!
BrizzleMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Good luck with the dreaded MOT (well it's dreaded in my house! Lol) Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
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Enjoy your coffee Bonnington ... you deserve it.
You sound in good form and I am sure you are looking forward to November will do you good to get a break.
Take care0
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