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First Steps to Solvency

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  • katsu
    katsu Posts: 5,023 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    I hope the counselling is hard because you are telling your Counsellor the things you are telling us about how you feel.  It must be so exhausting to feel like you do sometimes. Please tell them or seek help in finding the best counselor for you.  It's not going to be quick but you are going to have a better life not a worse one as you tackle this. 

    You can get help and you can change. You'll end up happier.   

    Others have posted very eloquently about the impact of suicide or death of a parent.  Your presence would be missed. Trust us. 
    Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.
  • alt80
    alt80 Posts: 4,655 Forumite
    1,000 Posts Fourth Anniversary Name Dropper

    Listened to the podcast again. Thanks @enthusiasticsaver. Really listened with a view to actually doing something about it rather than just listening to think yeah yeah I relate to that. Downloaded the book too. Have the issues with cravings/ inadequacy/ not good enough badly. Feel like that in business and personal life idea of something I did now have to do something else/ get bigger/ what’s next. Never make it and can’t enjoy rewards because I’m looking towards the next thing obsessing about reaching next level or the self destructive behaviours start. Apparently not too uncommon in business rings true to me, I know a few. 


    Wife actually said to me am I trying to drive her away. Maybe I am, I said to her tonight it’s getting ridiculous, asked her to listen to the podcast too she thought the Buzz Aldrin thing was funny - that’d be me not even walking on the moon enough for me lol. Definitely tried to drive others away over the years and been successful. Actually did start to think some really negative thoughts about my relationship with her about a year in (podcast said this when dopamenegic love ends), it’s when the negative thoughts about her motives started but had already asked her to marry me then and couldn’t face being on my own at that point in my life. Find doing calm app/ meditation helps put me in here/ now but avoid it as much as I can tbh started it on last round of counselling but do have a few hours of feeling better not so angry.  


    Spending symptom yeah I think been trying to lie to myself for many years I earn well so all ok. All the poor mental health stuff going on in the background. Get something and toss it aside in very little time. What I earn now when I was younger was nothing but a pipe dream. Obsessed about seeing over £5k/m net through my 20s. Get there and spending more so start obsessing about adding another £1k/m net and another and another and I’m where I am now spending getting on 50% more than I earn until very recently because in my head what I have is nothing and to make it must be earning five figures after tax and spending like I was because all other goals came fairly easily. 100 madness. Not been ok for years really facing the debt issues just been a tipping point for me. Thought it would make me feel a lot better getting it sorted but hasn’t. I briefly got hooked to the idea of selling stuff off clearing off asap. Sales gone down and not being able to sort it quickly is making me angry. Still think I do need to pay the debts down even though painful.


    Agreed with wife this coming week going to take on cooking for two nights. Actually quite enjoy trying new foods etc. She’s getting me back on the fitness training going to make an effort and planning my week out. Got a massive list of things I want to get done but need to realise I can’t do it all in a week to the detriment of my family. One of the hardest things realising I’ve been so unfair to them but the self loathing making it worse.

  • TheAble
    TheAble Posts: 1,676 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 22 November 2020 at 9:59PM
    I can only really echo what others have said - it's not really about money any more. Take some time off and speak to your GP soonest with a view to getting some psychiatric help. All the best.
  • alt80
    alt80 Posts: 4,655 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    @TheAble you’re right mate. Starting to realise the money/ amount of units/ house are all just part of my issues with nothing ever being enough.

    Thanks.
  • alt80 said:

    Listened to the podcast again. Thanks @enthusiasticsaver. Really listened with a view to actually doing something about it rather than just listening to think yeah yeah I relate to that. Downloaded the book too. Have the issues with cravings/ inadequacy/ not good enough badly. Feel like that in business and personal life idea of something I did now have to do something else/ get bigger/ what’s next. Never make it and can’t enjoy rewards because I’m looking towards the next thing obsessing about reaching next level or the self destructive behaviours start. Apparently not too uncommon in business rings true to me, I know a few. 


    Wife actually said to me am I trying to drive her away. Maybe I am, I said to her tonight it’s getting ridiculous, asked her to listen to the podcast too she thought the Buzz Aldrin thing was funny - that’d be me not even walking on the moon enough for me lol. Definitely tried to drive others away over the years and been successful. Actually did start to think some really negative thoughts about my relationship with her about a year in (podcast said this when dopamenegic love ends), it’s when the negative thoughts about her motives started but had already asked her to marry me then and couldn’t face being on my own at that point in my life. Find doing calm app/ meditation helps put me in here/ now but avoid it as much as I can tbh started it on last round of counselling but do have a few hours of feeling better not so angry.  


    Spending symptom yeah I think been trying to lie to myself for many years I earn well so all ok. All the poor mental health stuff going on in the background. Get something and toss it aside in very little time. What I earn now when I was younger was nothing but a pipe dream. Obsessed about seeing over £5k/m net through my 20s. Get there and spending more so start obsessing about adding another £1k/m net and another and another and I’m where I am now spending getting on 50% more than I earn until very recently because in my head what I have is nothing and to make it must be earning five figures after tax and spending like I was because all other goals came fairly easily. 100 madness. Not been ok for years really facing the debt issues just been a tipping point for me. Thought it would make me feel a lot better getting it sorted but hasn’t. I briefly got hooked to the idea of selling stuff off clearing off asap. Sales gone down and not being able to sort it quickly is making me angry. Still think I do need to pay the debts down even though painful.


    Agreed with wife this coming week going to take on cooking for two nights. Actually quite enjoy trying new foods etc. She’s getting me back on the fitness training going to make an effort and planning my week out. Got a massive list of things I want to get done but need to realise I can’t do it all in a week to the detriment of my family. One of the hardest things realising I’ve been so unfair to them but the self loathing making it worse.

    I am glad you listened to the podcast again.  I listened to the whole thing yesterday and while obviously I don't know you, so many of the things I heard the professor say resonated with what you have written on this diary.  I may download the book myself as I found many of the things he said interesting.  I too was unaware of the dopamine effect and love and how passionate love changes to companionate love after about a year and many people think they have fallen out of love so never form lasting relationships. Even better your wife listened too and agreed you seem to fit the pattern of someone who has a dopaminergic brain.  It is a sad story about Buzz Aldrin and how he suffered with alcohol abuse after his trip to the moon.  I also wonder if he beat himself up because he was the second man on the moon rather than the first. I am not sure whether you are clinically depressed but there is definitely a deep seated self loathing thing going on with you which is obviously affecting your mood and I am not sure it is just down to the debt any more. 

    Couple of good ideas there to get more into fitness and exercise with your wife and do some cooking for the family.  One of the suggestions on the podcast was to be creative so you could say cooking would fit the bill. She seems to be a tremendous support to you and beating yourself up for past mistakes is not going to help.  As I have said before you have to draw a line and move forward. 

    Let me know how you get on with the book. 
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  • You really really wouldn’t be leaving your s8n and wife in a better place.  She could have already walked and she hasn’t.  She’s taking an interest and trying to help but you are pushing her away.

     My hubby is going to die in the next few weeks, he would give anything to stay for me and our son. Dont throw away your life for silly reasons.
    So sorry to read this @dawnybabes.  
  • NorthernSoul, You don't seem to have a diary (?) but please come visit mine if you need to 'chat'.  So sorry for what you're going through, especially with a child as well.  I know exactly what you mean about the torture of going over the last days/weeks/months and wondering 'what if', but I'm sure you know deep down there is nothing you could have done differently that would have changed anything.   And hindsight is no use at all.   Indeed my friend was very calm and relaxed in the last week of his life which may seem odd but we feel he was at peace with his decision, which was a strange sort of comfort.
    For what it's worth I'm not convinced Alt80 really means it seriously or imminently, it feels more of a slightly melodramatic sweeping statement designed to provoke a reaction, which is precisely what it has done.  One of the reasons I mentioned bipolar is there is a tendency for attention seeking, OTT behaviour .  That is not to be unsympathetic to the way he feels or the possibility, just to put it in perspective a bit.   I hope you find some other positive uplifting diaries to read as this one might not be best for you right now? Take care of yourself (and you too Alt80).
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