too scared to talk before plus had my internet cut off.

babycham_2

sorry read this 6 months ago but was too scared to take any steps.Then had the internet cut off cos i didnt pay the bill. Been back a couple of days and began catching up, promise you all I am in a better frame of mind already bit just need the courage to apply all my outgoings and incomings on paper. Have begun but still not quite ready to confront myself with them yet. Thanks to you all for having the courage to share and I will be there soon.

moozie_2

Welcome back

Hope you get the courage to get your details together soon. It really does get easier once you know what you are faced with.

Hang in there!

jessicamb

Welcome

Everyone is here when you are ready

Why not strike while the iron is hot?

Nuclear_Tom

You've come to the right place!!!

Its only money at the end of the day - there are so many people here who genuinely want to help you, get your statement of affairs posted up pronto - you know it makes sense!!!

You've made the first step, being debt free is just around the corner!!!

Welcome to moneysavingexpert!

babycham_2

Thank you it makes me feel much better knowing there is actually somebody to talk to. that alone is a great strength. I haven't yet got the courage to face my problems, actually I will now refrase that; I didnt have the courage but now I am going to. My problem is more with debt collectors letters, I could not open any mail for a long time but now feel i have the strength to confront my fears. I dont have any credit cards or anything on H.P. therefore felt my worries were my own problem, but I now know I can do this with the help from people who care. Thanks. Maybe soon I will write down my income and outcome I am nearly there.

babycham_2

well done I am proud, seeing in writing what you have achieved makes me feel more positive. I am going to be the one who can soon estimate there freedom date.

skintas_2

your back online on and facing ur problems like the rest of us,big hug gem x

Rikki

babycham you may feel very alone, but there are so many here going through the same as you and many understanding people willing to help.
Take the bull by the horns and move forward.
(((hug)))

Smashing

It's scary facing up to the reality of the situation, but only once you know where you stand can you begin to move forwards. You're not alone in this.

dawn2dusk

Welcome back Babycham, you will get all the help and support here. Its not easy but it is always on your mind until faced. You can do it.:T

babycham_2

Thank you,I now this may seem stupid but what is the £2 saving only I have 2 children and dont seem to ever have £2 to save. Should I be asking at the shops for a £2 coin and be more forthright with the children because if thats the case I am ready for it! Try as they might they will only be getting £1 coins for their lunch.