Mortgage Concession

CBR600F_2

Yeah iPads certainly are overpriced trash, I'll give you that.

Apropos of nothing, and sorry if this is personal, but is your disability improving? Only you mentioned going back to work in 6 months. Yet earlier in your post you said you were too disabled to work.

yellowrock

CBR600F wrote: »

Yeah iPads certainly are overpriced trash, I'll give you that.

Apropos of nothing, and sorry if this is personal, but is your disability improving? Only you mentioned going back to work in 6 months. Yet earlier in your post you said you were too disabled to work.

Yes I am improving and with the correct medication I can see a light at the end of the tunnel. I am hoping to be back in employment at the very latest in 6months time. Back in Oct when I lost my job I couldn't ever see me being well enough to go back but it's amazing what a difference a little time makes.

yellowrock

DVardysShadow wrote: »

Leave it out. You don't like the answers, I can see your point. But equally, I can see the other side. It is a bit rich to go from not liking an answer to then yourself making an anonymous attack and calling someone a troll for a genuine answer.

Ok I agree I should not have risen to the bate, however, going from me asking for advice to being given chapter and verse on how to spend time with my son was not helpful and was indeed hurtful.

I can see this is not an helpful forum at all and one to make people like myself whom have made mistakes in life by getting into debt,feel even worse about myself. I am trying very hard to get us back on track and really should not have posted at all.

DVardysShadow

yellowrock wrote: »

Ok I agree I should not have risen to the bate, however, going from me asking for advice to being given chapter and verse on how to spend time with my son was not helpful and was indeed hurtful.

I can see this is not an helpful forum at all and one to make people like myself whom have made mistakes in life by getting into debt,feel even worse about myself. I am trying very hard to get us back on track and really should not have posted at all.

This forum and the housing forum are helpful forums, but we do not do much in the way of (((hugz))) answers, so questions which need an answer of that sort tend not to do so well.

The truth of the matter is that if you are in debt other people have first go at what is in your pockets - whereas if you merely have borrowings which are all paid up to date, you make your choices first and it stays that way as long as you pay what you owe each month. That hard fact is well understood here, but those here are mainly people who retain control of their money.

Now if you want a more sympathetic hearing and plenty of expertise of getting a quart out of a pint pot, go to the DebtFreeWannabes forum http://forums.moneysavingexpert.com/forumdisplay.php?f=76, where there are plenty of people in a similar boat to you or worse, who can provide answers from relevant experience.

Thrugelmir

yellowrock wrote: »

I can see this is not an helpful forum at all and one to make people like myself whom have made mistakes in life by getting into debt,feel even worse about myself. I am trying very hard to get us back on track and really should not have posted at all.

More people benefit than don't by visiting this forum. We all have empathy with your personal situation. However that doesn't help you with your financial problems. If there was something we could have offered in the way of advice you would have heard it.

yellowrock

DVardysShadow thank you, I have since found the forum you kindly pointed out and appreciate the time you have taken to post.

YR

yellowrock

Thrugelmir - I can see that there are genuinely helpful and friendly people on here too. I just found the comment about me spending time with my son a little too personal. The question was about N&P being right to berate me over my son's birthday gift, not about how much time I spend with my son. I found that quite upsetting to be honest.

opinions4u

yellowrock wrote: »

Opinions4u - your meaning behind your comment "If it really is tough going at the moment the perfect gift would have been to spend a day with him doing something that costs nothing. Giving him your time and attention is worth so much more than anything material".

I took execption to this, I am a good mother and spend lots of time with my son doing activities that costs nothing at all but having quality time together. I can see why the internet provides people like you the chance to belittle someone like me anonymously- is the term an internet troll?

My apologies for causing offence.

The words used weren't intended to belittle or imply that you are in any way a poor parent.

They were simply trying to highlight alternatives to something that costs money that you don't have.

Best of luck finding solutions to some of life's difficulties.

Thrugelmir

yellowrock wrote: »

not about how much time I spend with my son. I found that quite upsetting to be honest.

Agree with your sentiments. The danger with written word is that people read it differently than the writer intended. So very easy to have misunderstanding.

My advice for the future would be to keep it factual and remove unnecessary personal information.

Keep focussing on the future. Many of us have dark moments in our lives. Myself included. Others helped me through this period. So I try to assist others as a way of repaying their kindness. With the knowledge and experience that I have gained throughout my working life.