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I'm at rock bottom

Today, I had to draw out £100 off my visa card to cover a bill that I HAD to pay today. I feel really crap. I've had enough today. I'm so depressed. My cards are now at their max, I have no money, and still too many bills overdue. I have two direct debits going out in the next week or so, they are both going to bounce, and I don't know what to do.
I'm doing a boot sale next sunday, and have stuff on ebay, but I doubt what I get will even come close to what I need.
Sorry, just needed to vent.
Half the Interest with Boo : Barclaycard £4765.64 May 2007
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Comments

  • oh sadgirl hug8ok.gif dont really know what to say but here is a hug... have you posted your soa yet? maybe that could be your first step to changing your finacial situation?
  • Hi Sadgirl,

    Sorry about your problems - Do you think you should cancel the DD to avoid incurring charges? You should probably ring the people you are meant to be paying to warn them that they won't get paid on time. Can't think of anything else I'm afraid but sending big hugs

    Sparkly
  • SadGirl
    SadGirl Posts: 59 Forumite
    Think I just have to admit defeat. I'm going to go bankrupt, and there's not alot I can do about it. It's just a matter of time :(
    Half the Interest with Boo : Barclaycard £4765.64 May 2007
  • Debbiehm
    Debbiehm Posts: 2 Newbie
    Hey there sad girl - how are you doing? Might have an answer to your problems, don't know if it's for you, only you will be able to answer that, but i think that anything is worth looking at. Get in touch. Love and Hugs - D x
  • IainBUK
    IainBUK Posts: 65 Forumite
    sadgirl

    plese post a SOA then the great people of MSE can see how they can help you

    bankruptcy is a total last resort option - i would personally REALLY REALLY REALLY think about it before you do it

    keep smiling honey :)

    iain x
  • Dithering_Dad
    Dithering_Dad Posts: 4,554 Forumite
    Mortgage-free Glee!
    If you have online banking, cancel the Direct Debit mandates and then phone up the companies involved and say you did it by "accident" and could they send you a new dd mandate form to sign. You could string that out for a couple of weeks and then maybe you will have found some money from somewhere.

    Going BR costs money and has other implications, so I sahould go and speak with the chaps in the BR sub board about this option.
    Mortgage Free in 3 Years (Apr 2007 / Currently / Δ Difference)
    [strike]● Interest Only Pt: £36,924.12 / £ - - - - 1.00 / Δ £36,923.12[/strike] - Paid off! Yay!! :)
    ● Home Extension: £48,468.07 / £44,435.42 / Δ £4032.65
    ● Repayment Part: £64,331.11 / £59,877.15 / Δ £4453.96
    Total Mortgage Debt: £149,723.30 / £104,313.57 / Δ £45,409.73
  • Rout
    Rout Posts: 33 Forumite
    Are you on a DMP? I'm no expert but have been in exactly the same position as you.

    I didnt use the CCCS, I used a private company who charged me to organise my DMP monthly. Had I known about CCCS at the time i'd have definately used them, but I dont regret paying the company I used, as they removed what seemed like most of the world from my shoulders at the worst time of my life. At 21, or now after looking at this site daily, at any time of your life being massively in debt is one of the most worrying times anyone will ever have, companies like the CCCS make this much more bearable!

    Good Luck.

    Michael.
    LBM August 2005

    Total Debt August 2005 = £37,497

    Current Debt Nov 2007 = £15,168

    :T :T
  • Shineyhappy
    Shineyhappy Posts: 1,931 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hi there!

    I am sorry you are so down, have a big virtual hug from me!

    Like others have said, have you posted a SOA? see SouthernScoussers thread if you havent.

    If there is any way of avoiding bankruptcy the lovely people on here will help you find it.

    Once they see your income and outgoings it is much easier to offer constructive advice.
    Debt Free - done
    Mortgage Free - done
    Building up the pension pot
  • Clairee_4
    Clairee_4 Posts: 37 Forumite
    Oh mate
    I am sorry for you, at about that the same place at the moment.
    So you are not alone.
    Hugs and lots of them.
    XXXXXXXXXXXX
  • benbenandme
    benbenandme Posts: 12,282 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    [QUOTEHey there sad girl - how are you doing? Might have an answer to your problems, don't know if it's for you, only you will be able to answer that, but i think that anything is worth looking at. Get in touch. Love and Hugs - D xQUOTE]

    Sadgirl ... please don't think I'm interfering but please be careful ... this looks like spam. ;)
    Mortgage Total: £53,041 / £75,000
    Holiday Pot £1336/£2032
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