Please Help.

wegle

Sounds like you two are really going to throw your all into this. If you start a diary please post a link to it here so I can subscribe and follow along.

AlexLK

HPoirot wrote: »

We shouldn't mind what others think, and true colours and genuine friends and all that... But I find I have been lying low from my old friends . In any case I wouldn't have the money to spend on socialising so all for the better... Priorities is what it's all about right now

Genuine friends have always been in short supply for me. As for what others think, I may well always be self conscience in that regard.

AlexLK

wegle wrote: »

Sounds like you two are really going to throw your all into this. If you start a diary please post a link to it here so I can subscribe and follow along.

We are going to try our best. I have started a diary but cannot post links, see the diaries forum.

Deep_In_Debt

AlexLK wrote: »

Thank you so much for this advice. I did not realise this could be done nor that these collection places buy the debts for pennies. :mad: If that is really true I've a good mind to offer them a starting settlement of 25%.

Go for it! No harm in trying! Use the National Debt Line letter template and tailor it to your needs.

I'm really pleased to see that you and Mrs K are working as a team now and that you are so much more positive...keep posting on here and let us know how you are getting on and the good peeps on here will always be around to offer support and advice.

Good luck.

gallygirl

AlexLK wrote: »

We are going to try our best. I have started a diary but cannot post links, see the diaries forum.

Here we go everyone

https://forums.moneysavingexpert.com/discussion/4756954

bess1234_2

Mrs K rocks!!!!

Sounds like she wants her man back, not his money

AlexLK

bess1234 wrote: »

Mrs K rocks!!!!

Sounds like she wants her man back, not his money

LOL, I would have been out the door years ago if she had wanted me for my money. She's earned more than I for over three years now.

heartbreak_star

Good luck to both of you

May I also suggest a visit to the GP, from some of your comments I think you may well have depression.

*hugs*

HBS x

AlexLK

Went to bed a while back but cannot sleep, my mind is buzzing with the events of today.

heartbreak_star: I have already been diagnosed with depression (and anxiety). Thankfully the anxiety problem has not been too bad for the last year or so but I am frequently depressed to the point of not being able to get out of bed and staring at a blank wall for hours on end. Hence if I'm feeling productive I cram all I can into the day.

FlubM

Hi there. I NEVER post on this forum (no longer in debt) but do read it once in a while as it is full of sound advice even for those whose debts are dealt with.

A couple of things struck a cord with me. When we had our first child, we too started saving for her. With a second child on the way and DH about to be made redundant, we had a radical re-think and asked ourselves what benefit there would be to the children if we had heaps of money saved for them but lost their home. Since then we have paid every penny we could towards the mortgage and paid it off last year (13 years early). Now that I am being made redundant, this is one worry we don't have but we do hope to start saving again for the children once I am back in work.

One thing we NEVER did was to tie up money in the children's name. This was for two reasons: I knew what I would have done with it if I had been able to access a significant amount at a young age (and it wouldn't have been anything sensible), and we wanted to be able to access it in an emergency. If you do decide to continue saving for your son, I would suggest you make sure that YOU can access the money if needed (this also gives you flexibility if more children come along than you are planning for and you can't afford to put aside the same amount for the others!).

The other thing which struck a cord was the depression. It might not be the right thing for you but for me antidepressants worked really well in the short term: I wouldn't say I felt 100% normal but they did enable me to function at a time when my children were very young and needed me to be functioning (I had no side effects and no problems coming off them). I sometimes think we hear a lot of horror stories about antidepressants but maybe not enough from people like me for whom they were an absolute godsend: your choice of course, but perhaps worth considering.