Feeling depressed, can't work, no money, scared

forsya

Hello

I went to the doctors this morning as came to realised I am depressed. He said he would be happy to sign me off work, but the problem is I am working in a temping role at the moment until end of the year, they want to make it more permanent, but I am not at work today and not sure if I am well enough to work, find it hard to get through each day at the moment.

But if I don't work I don't get paid, and then I can't live or pay debts and am worried. I dont want to be a burden on my mum, luckily am living at home, she is already letting me live rent free to help me pay off my debts and she has already been though my sister being depressed and not working and supporting her.

I am scared and don't know what to do, I don't want to get in more debt, I have paid a lot off and it was going well.

I have my MOT to pay for, can't even bring myself to book it, everything is such an effort.

Sorry don't meant to moan, but not felt like this before and am scared and the money worries don't help.

Has anyone got any suggestions or advice or has anyone else been through this?

Any help appreciated.
Thanks
xx

Uniscots97

Hi, just looking at your signature you've come a long way and paid off a lot of your debt. You should be very proud of yourself for that.

Bluediamond

Forsya
welcome to the right plcae to start getting yourself sorted. Typing that first email can be really hard when all you want to do is curl up and shut the outside world out. I know as I was there too a few weeks ago.

Anyway..look at today as the start of the rest of your life. Lets get these debts into perspective and help you deal with them. You need to post a SOA ( statement of affairs) listing your outgoings and then your income...

All of us on here can help you with what to do and suggest where you can go to for help. I notice your debt free date is May 2007..is that correct.

Bite the bullet, tell us all you can bear to type down and we will get back to you..okay ??

Well done for getting that post if the site and welcome to the club !
S x:T

lynzpower

forsya,

Would it be possible for you to work part time. I worry that not being able to pay off the debts, would impact more on your mood

Im out of work at the mo as you know and theres nothing worse than not being able to pay the debts- its all being managed now but not for much longer I dont have depression, but it certainly makes me feel like im not achieveing anything at times ( even though I am etc)

forsya

At the moment I get £274 a week. But I won't next week becuase I have not been at work today and not sure I can cope going this week.

My outgoings are;

Monthly
Mobile - £40
Gym - £70
Broadband - £15
Tescos Credit Card - £30
HSBC CC - £100
Contact lenses - £13

Weekly
Food - £20 per week
Fags - £10 per week
Going Out - £50 per week

Current Overdraft - £1274 Limit £1500
Tescos CC - £1000
HSBC CC - £3300

These are overall figures.

I know the gym is a lot, but it is my haven at the moment, I need it to try and relax and keep myself busy. My spending has just gone wrong lately, ever since I got made redundant in June.

I go out and drink and smoke, well have been to help me feel better.

Am seeing the doctor again Fri to look at antidepressents etc. I would love to pay for a counsellor or psychotherapist to help me get better, but can't afford that, vicious circle hey!

Yeah my goal was to pay off debt by May 07, could have done if I hadn't wasted my redundancy money and got work sooner, messed that up. Don't know when it will be now.

Thanks for help and understanding.

loulouloulou_2

hi ya

Just wanted to share my sympathy's!!

I have been diagnosed with depression - sufferred with panic attacks for many years and its not nice!!

The whole money situation can make everything ten times worse and you just want to pull the covers over your head and stay there forever.

My doctor offered to sign me off work- but i didnt take it. Its bloody hard but i have found (personally for me) that if i know i have to get up and put on foot in front of the other and try to get on and get some normality back into my day, its good for me. I have to get up, get washed and dressed - which i could quite happily not do!

If i was off i would sit around the house and have nothing to think about except my debt and my depression.

I know this wouldnt work for everyone and Depression is the hardest thing i have ever had to go through so i know what its like, just wanted to share with you.:o

All the best hun xxx

lynzpower

Does anyone know what incapacity benefit is per week?

Pauper_Princess

forsya,

Your doctor may be able to recommend you for counselling on the NHS - I had it, didn't pay anything. It's what we pay our taxes for after all

I'd ask about it when you go if they don't suggest it. You may have to wait (think I was waiting 3 weeks) but it's worth it

forsya

Thanks for that last message, it is the most horrible thing depression. And I understand going to work would help, just the routine of it.

I really want to go to work tomorrow, my doctor gave me valium to take tonight to help calm the stress and anxiety, I am just scared I will go to work and just cry at some point, cos I seem to cry for no reason. Or the valium will have horrible side effects.

Yeah I don't want to sit at home will make me worse. This day has felt like the longest day ever.

I went home early yesturday and just said I felt rough, cos they have all had flu etc. in the department, so they thought I had that. My eyes looks SO puffy though, they probably think what on earth has happened to her!!

Bluediamond

Forsya

I appreciate that you are feeling really low, I have been like Lynzpower recently feeling really crap and this site is helping believe me.
I know that it is hard but if I was in your shoes I would scrap..not cut down..scrap gym membership. Exercise is good but it is also free. I walk most days with or without my dog and that is totally free. £70 month is £840 a year.
Going out is good but I would cut back there too. We all like to let our hair down, especially us Mum's but I just cannot do it. End of. So I don't and I use the money for something that I actually need.
Facing up to it is the hard part, working out how much better off you can be is the nice part and sticking to it makes you feel totally great.
Just have a think..if you are serious you will have to cut back . Simple as.
Stick in there and read the rest of the comments. You will get there.
S x

Gemmzie

I'm with louloulou on this one.

Each day you stay at home makes the next one harder, sometimes it takes a lot to just get out of bed. But 90% of the time I do know that I feel better if I do something with my day and don't give into the depression.

Also, ask your GP about counselling, I am currently getting it through my doctor's surgery and there are plenty of free counselling services around once you know where they are AD's work, but remember they aren't a quick fix and can take a few weeks to kick in.

Keep fighting otherwise it wins As hard as it can be some days

I hope you feel better soon x