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Help - I can't cope any more.

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Comments

  • BlushingRose
    BlushingRose Posts: 1,621 Forumite
    Bettingmad wrote: »
    Did you ever chase up any PPI you had on any cards, loans etc. I remember you saying that you thought that Mr BR had sometimes taken out the insurance?

    Any avenues on the employment front for you? Are you able to undertake further training, volunteering etc to help you find employment?

    Yeah, I really must investigate the PPI thing....

    Nothing on the cards re: employment atm, no.
    I have a few personal issues at the moment as well which is not helping on that front, but hopefully I'm getting those sorted.
    Our LBM: Dec 2011. DMP started: Jan 2012. Debt at LBM: £41,568

    Oct 2012 = Current debt: £40,548.93
    Oct 2013 = Current debt: £39.054.70

    DMP Support number 424 - Long haul number 308
  • paulmapp8306
    paulmapp8306 Posts: 1,352 Forumite
    That life insurance is HUGE. Being through a bank wont help - get an independant financial advisor and find another plan.

    I have a policy, which covers me and the wife, for death or critical illness, which is worth £120k on death (would pay off the mortgage) - and it costs us £16.50/month. Its with standard life I believe.
  • BlushingRose
    BlushingRose Posts: 1,621 Forumite
    paulmapp8306 wrote: »
    That life insurance is HUGE. Being through a bank wont help - get an independant financial advisor and find another plan.

    I have a policy, which covers me and the wife, for death or critical illness, which is worth £120k on death (would pay off the mortgage) - and it costs us £16.50/month. Its with standard life I believe.

    Thanks, I'll mention it to Mr BR.
    An independent financial advisor would cost money though yes?
    Our LBM: Dec 2011. DMP started: Jan 2012. Debt at LBM: £41,568

    Oct 2012 = Current debt: £40,548.93
    Oct 2013 = Current debt: £39.054.70

    DMP Support number 424 - Long haul number 308
  • beanielou
    beanielou Posts: 96,587 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Just wanted to say keep plodding!
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • cutestkids
    cutestkids Posts: 1,670 Forumite
    Part of the Furniture 1,000 Posts
    You really do not need an independent financial adviser just look online google life insurance and use one of the comparison sites to find the best quote for the amount of cover you would need.
    1 Sealed Pot Challenge # 1480
    2 Stopped Smoking 28/08/2011
    3 Joined Payment A Day Challenge 3/12/2011
    4 One debt vs 100 days part 15 £579.62/ £579.62New challenge £155.73/£500
    5 Pay off as much as you can in 2013 challenge!£6609.20 / £7500
  • Growurown
    Growurown Posts: 5,498 Forumite
    Debt-free and Proud!
    Hi BR

    Just wanted to add my support and good wishes. I love my Radio Times it is my one weekly treat too. I don't know where the money goes either, it just seems to slip away. This month was MIL's birthday, a repair to OH's guitar and new strings, some bits for the garden and on it goes. Car up for its MOT at the end of the month and already worrying about how much that is going to be. Luckily OH has some overtime coming so hopefully that will cover it. Not everyone is lucky enough to get overtime though. Our wages have been frozen for the last three years and prices keep going up. It is really tough at the moment, and when you are feeling low it is hard to get motivated to ebay/carboot etc.

    Hope things improve for you and sending you virtual hugs:A
    DMP Mutual Support Thread No. 421

    Debt free date 25/11/2015 - Made It!
  • BlushingRose
    BlushingRose Posts: 1,621 Forumite
    Thanks Grow...

    We have the car tax hurtling towards us, and a couple of trips up north for a couple of different special occasions, not sure how we're going to afford to do it, if I'm honest.
    Our LBM: Dec 2011. DMP started: Jan 2012. Debt at LBM: £41,568

    Oct 2012 = Current debt: £40,548.93
    Oct 2013 = Current debt: £39.054.70

    DMP Support number 424 - Long haul number 308
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