EEK! Tomorrow's the DAY

Ineedaname

Thank you so much for opening up Worcsman, it seems to be the day for personal stories and they truly do help to understand none of us are in this alone.

Being on long term sick for various health issues, including a very debilitating disease which had me 50% bedbound just 2 years ago, has given me the opportunity to re-evaluate my life too. As you say, possessions now just aren't important, I've been through the house half a dozen times in the last 5 years, got rid of so much stuff I realised I had been carting around and never really needed. I feel lighter in my head and my heart for having done so.

Now the debts are gone too and, my above comments notwithstanding, that does help lighten the load even more.

I was supposed to be on a training course this week as part of starting my new life once I'm well enough. For various reasons this has been put back a few months (funnily enough going BR isn't one of the reasons). But my new life and career will be far more appropriate for who I am. I started out only ever wanting to work with horses, injury and debt put a stop to that and I ended up working in offices for the money and making the best of it. Now I intend to retrain and work with dogs instead, a happy compromise.

Bipolar Disorder is the modern name for Manic Depressive. When high it's all about living life to excess, hence debt is a recognised 'symptom' of BP. However, banks will still very rarely offer debt reduction on the basis of the individual having a mental health condition and being unable to control their own spending. Even once I had my diagnosis though and an understanding of my life, I still took responsibility for my debts until forced to default through a change of circumstances. It's only more recently I tried the 'mental health' card via the CAB, and we were ignored by most and refused any consideration by the others.

There are many complications regarding my health which I won't bore everyone with. But my BP is now well managed, I have a good insight into the illness and will never allow myself to get into debt again, it's not even worth the risk of a Vanquis card to rebuild my credit later on.

Angiepange

Hi INAN

Ive been off the boards a few days and missed your big day in court, so just wishing you a belated well done and glad its all over for you! :j:T And here's hoping your health continues to improve too

Angie x

Ineedaname

Thanks Angie, onwards and upwards eh?

Worcsman

Ineedaname wrote: »

Thank you so much for opening up Worcsman, it seems to be the day for personal stories and they truly do help to understand none of us are in this alone.

Being on long term sick for various health issues, including a very debilitating disease which had me 50% bedbound just 2 years ago, has given me the opportunity to re-evaluate my life too. As you say, possessions now just aren't important, I've been through the house half a dozen times in the last 5 years, got rid of so much stuff I realised I had been carting around and never really needed. I feel lighter in my head and my heart for having done so.

Now the debts are gone too and, my above comments notwithstanding, that does help lighten the load even more.

I was supposed to be on a training course this week as part of starting my new life once I'm well enough. For various reasons this has been put back a few months (funnily enough going BR isn't one of the reasons). But my new life and career will be far more appropriate for who I am. I started out only ever wanting to work with horses, injury and debt put a stop to that and I ended up working in offices for the money and making the best of it. Now I intend to retrain and work with dogs instead, a happy compromise.

Bipolar Disorder is the modern name for Manic Depressive. When high it's all about living life to excess, hence debt is a recognised 'symptom' of BP. However, banks will still very rarely offer debt reduction on the basis of the individual having a mental health condition and being unable to control their own spending. Even once I had my diagnosis though and an understanding of my life, I still took responsibility for my debts until forced to default through a change of circumstances. It's only more recently I tried the 'mental health' card via the CAB, and we were ignored by most and refused any consideration by the others.

There are many complications regarding my health which I won't bore everyone with. But my BP is now well managed, I have a good insight into the illness and will never allow myself to get into debt again, it's not even worth the risk of a Vanquis card to rebuild my credit later on.

Hey no worries, I'm not normally an open book but the internet does give a slight veil of immunity at least to all but the seriously determined to discover real identities. But seeing as I'm just an anonamous bloke from the Worc's area I dont mind opening up a little. Thanks for filling me in re the bipolar, I had heard of it, just didnt know exactly what it was. I guess being in a financial mess hasnt helped with the bipolar and no doubt the bipolar hasn't helped with your finances either! Our baby was born with downs syndrome which is why I could no longer work abroad so I know first hand how disabilities can turn everything on their heads.

How's it feeling 2 days in to being a BR? I know for me, It was a huge relief, which turned slowly to boredom in waiting for discharge, which eventually came and went, no party, not even any notice from the OR. We are still in touch with our trustess as they have our house in spain that they are trying to sell. Good luck to them on that one, we tried for 4 years without so much of a call for a viewing.

Ineedaname

The Bipolar certainly didn't help with taking charge of my finances and doing something about the debt years ago. One minute I'd be in despair about the amount of debt and the next I'd be high again spending money I couldn't afford. Even after my diagnosis I continued using the cards and meeting minimum payments as it took a while to get stable on the meds. It was only the change in my circumstances (from house share to living alone) that forced me to default and do something about it all.

I agree with you, a certain amount of anonymity does help. I also didn't want to bore everyone with the complications of my situation, but you sparked something with your openness Worcsman, as did FuzzyCub with their story. It really does help to know more details now and then.

BTW, I have come into contact with quite a few Downs children over the years and they are the warmest, friendliest, most cheery kids I've known. You've got a little treasure there.

RecoveringAlcoholic

And more information on mental health issues can be found here:

Mental Health and Debt Help Booklet Discussion

https://forums.moneysavingexpert.com/discussion/3059052

Worcsman

Ineedaname wrote: »

......

BTW, I have come into contact with quite a few Downs children over the years and they are the warmest, friendliest, most cheery kids I've known. You've got a little treasure there.

Thanks Ineedaname, he is the warmest most rewarding baby we could have hoped for. I agree about the humanity part of the posts here, I like to read between the lines where I can. We are all here for a reason, no one comes here seeking empathy but it's hard not to feel it sometimes.

Ineedaname

I was thinking about all this earlier this evening. I suddenly realised how cathartic it was to share my information, having held it back so far. So once again, Thank You.

You protect that little boy, he arrived when he did for a reason. :A