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dukess86

:(I am starting to sort out my debt problems I hope and have at long last listed who I owe what to. Hope that is the right way to start.

Because I had to give up work 3 years ago due to ill health, I have much less income than I had. I am on incapacity benefit and have been overpaid by over £2k but they have come to an agreement to pay that back. However, my total income is now down £240.00 a month and that has made me take a look at everything so maybe it is not such a bad thing.

Anyway, I now just need to get my head around the cc situation so wish me luck!

[Deleted User]

Hello Dukess,

It takes alot of courage to get to where you are now and face the situation so well done :T
There will be others along with more advice but keep visiting and reading the boards and you will find this to be a great support.

Hannah_10

Was lurking but had to reply to this one so I signed in...

Well done for taking the step and facing it. I've had my share of life-disasters and I live on sickness benefits too now. You're taking the exact right approach in being pragmatic about it and trying to see the positives. Some days you may feel rather woe-is-me about how things have panned out but themore days you can pick yourself up and go onwards the better overall you will do; both in terms of physical recovery (to whatever extent is possible) and recovering your life.

If you want some help with your actual situation then feel free to give us a few more numbers, or if you just want support you have come to a good place for it.

Chin up, and make a deliberate mental note of one of your better days (today will do fine) to refer to if a woe-is-me day should sneak up on you. You will get there, one way or the other. There's a lot of DFW's who will get there along side you too if you fancy the virtual-company.

dukess86

Hello I have posted my details now on another thread. Just finding out how to use these forums so may have got that wrong.