Your Personal feelings on debt? Ashamed? Embarassed? Worried?

gregrichards

Brassic wrote:

Hrmph. :rolleyes:

what is wrong with what I said in my post?

looby75

when I first got my lightbulb moment I was embarrassed I'd let myself get in debt as deeply as I am, when I took the step to get help by contacting CCCS I felt slightly proud of myself for tackling things head on, before all the nasty phone calls/letters started.

then when I got my CCCS DMP confirmation through the post a couple of days ago at first I panicked because the date they were requesting payment was imminent because of the bank holiday, then once I spoke to someone at cccs I felt HUGE relief.

that's worn off now though and all I feel right now is totally and utterly ashamed.

I went 29 years without getting into debt, I had a small balance on store cards and a credit card, but under £500. But in just 3 years that's risen to almost £9,000 through a combination of desperation, circumstances and total stupidity.

I really can't say that I'm that proud to be dealing with my debts right now, I'm just so disappointed with myself I ever got to this point.

Crazychik

Looby dont be so hard on yourself, I felt exactly the same as you back in 1999, it was a struggle for me, I was working part-time and juggling a small baby and a toddler, and just realised my EX was in an awfull lot of debt, (much.much more than myself) (which he was hiding from me) we was both strugglin to make ends meet.

The support I offered him was so much that he actually went to the CAB and they put him in touch with the CCCS. After a long haul of about 18months, interest was frozen and he entered an IVA. By this time, due to depression and making ends meet, I was getting further into debt, not only to help him out but just to live suitably as a family.

You will feel better as the years go by, the only advise is to learn from it (without sounding to critical - so please dont be offended) and offer other people support, and guide them into the road of recovery of being debt free.

We both was ashamed and didn't dare speak to anyone about it. Now - 7/8 yrs on - its a different story. Im happy to discuss what I went through and offer advise and support to anyone. At the same time, I dont boast about it either, as people can be quite judgemental. I allow them to speak their opinions, but I know what I did was a mistake and Ive learnt from it. So I never let comments upset me no more.

Be strong and keep smiling. The biggest thing ever is to admit debt of any sort. You are on the way now to a happier life now