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First Steps to Solvency

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  • alt80
    alt80 Posts: 4,641 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    @enthusiasticsaver yeah starting to realise I’ve probably been a bit of an embarrassment to myself. Maybe should stop posting tbf. Consider it a lot but it has been helpful and debts not been as low as they are now on the card front since I was about 25 apart from straight after the remo so something seems to be working ha.
  • I don't think you should stop posting.  We have supported you through paying the cards down and stopping the spending sprees but the drug abuse is something else you need more specialised advice with.  It is nothing to be embarrassed about and no one thinks any the worse of you. The other areas of your life will fall into place when you stop the substance use or at least it gives you a fighting chance of sorting things out.  It has been clear you make bad decisions when under the influence. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

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  • maddiemay
    maddiemay Posts: 5,114 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Speaking personally I don't see any reason why you should stop posting. Alright you have a lot more to deal with that anyone here might have thought when you started posting, and it seems to be universally acknowledged that it is professional help that you need, however, support through the tough times will be still be offered and I believe the continuation of day to day advice re the business and your personal debt.
    For all of your low self esteem you (the real you) seems like a nice guy who is always ready to offer help to other posters, not the scummer (new word in my vocab LOL) that you believe you are.
    This may seem trite, but it is the only way:- Don't look back as we cannot change it, make the most of every day


    The best thing about the future is that it comes one day at a time. (Abraham Lincoln)
  • getmore4less
    getmore4less Posts: 46,882 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    alt80 said:
    I hear you on business/ personal split. Reason I obsess over it is I feel I need to pay the business back for the lost units. 
    The only sensible way to do that is delay increasing your income.

    I would not try to cut what you have now but make it work for the next few years.
    Get the other s**t sorted and review.

  • warby68
    warby68 Posts: 3,135 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Don't stop posting.
    If you are serious about tackling your problems, I promise you that people will still want to help, even if the route so far has been a bit roundabout.

  • ZaSa1418
    ZaSa1418 Posts: 651 Forumite
    500 Posts Third Anniversary Name Dropper
    You don't need to stop posting but you need some serious help re the drugs 
    LBM Debt Total : £48,326.50

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  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    We will miss you if you stop posting.

    I for one want to see the day that you post you have cleared your credit card balances. Your progress so far has been amazing.
  • ryanm8655
    ryanm8655 Posts: 1,210 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 18 January 2021 at 1:04PM
    kayannie said:
    I've not posted before although I have been following your diary. Please don't stop posting as you need some place to get things (good or bad) off your chest. Getting your thoughts written down helps put things into perspective & you get good advice too. If you weren't writing these things down you'd be bottling it all up & that's not good.
    Agreed. It also seems to be the one place you can be honest and hold yourself accountable in some way. The anonymity means you don’t need to pretend.

    We’re all rooting for you dude.

    August 2019: £28.8k

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    My debt free diary: https://forums.moneysavingexpert.com/discussion/comment/77330320#Comment_77330320


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