help please, somebody

Tom28

I'm thoroughly ashamed to say, I just buried my head in the sand, and enjoyed Xmas and New Year.

I'll get my SOA done asap and hopefully go from there...

lyric_grace

Tom28 wrote:

I'm thoroughly ashamed to say, I just buried my head in the sand, and enjoyed Xmas and New Year.

I'll get my SOA done asap and hopefully go from there...

Tom you need to have your lightbulb moment and until you do no one can help you here as it's only you who can ultimatly do this. You've taken the hardest step by coming here now do an SOA ASAP and we'll all do our level best to help you out and point you in the right direction!!

LookingAhead

Tom28 wrote:

I'm thoroughly ashamed to say, I just buried my head in the sand, and enjoyed Xmas and New Year.

I'll get my SOA done asap and hopefully go from there...

Well you have admitted it now, time to draw a line under it and move on.

Personally I can't think of a worse time to start trying to get out of debt than Christmas, quite frankly, but hooray, it's all over now! Don't beat yourself up too much about it because you came back to this site, right? You want to get out of debt, right?

So there's a good couple of points for starters.

Get that SOA whacked up here ASAP and let everyone start to guide you and help you. You *can* make a difference even if it seems insurmountable now. It isn't.

m.r.davies

Tom28 wrote:

I'm thoroughly ashamed to say, I just buried my head in the sand, and enjoyed Xmas and New Year.

I'll get my SOA done asap and hopefully go from there...

What sort of life style do you lead? nice house? nice car? nice holidays?
All the gadgets? eat out a lot?

you need to grip your situation by the balls.

Get that SOA done ASAP! and get yourself some help of the experts on here.

Your in good hands!

LookingAhead

m.r.davies wrote:

What sort of life style do you lead? nice house? nice car? nice holidays?
All the gadgets? eat out a lot?

With all due respect we need to hold back on what look like, assumptions, of that nature until we see an SOA. I think the OP has probably realised now that the SOA is the first thing to do now before we can go any further.

Tom28

m.r.davies wrote:

What sort of life style do you lead? nice house? nice car? nice holidays?
All the gadgets? eat out a lot?

you need to grip your situation by the balls.

Get that SOA done ASAP! and get yourself some help of the experts on here.

Your in good hands!

not at all. I badly want to decorate, I have a boring car (and cars are my LIFE!!!), and we don't go on holidays. We do though, like to eat out now and again, and have a fair few takeaways.. Yes, they have now stopped!!!

livinginhope

Glad you're still posting Tom,try not to dwell on what happened at Christmas,get that SOA sorted and we will do all we can to help.
Good luck
LIH