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First Steps to Solvency

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  • stymied
    stymied Posts: 656 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Sounds like it’s time to try the gp again for some support in case what you’re experiencing at the moment is actually depression.
  • poppy811
    poppy811 Posts: 540 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Totally agree, don’t be afraid to ask for help
  • alt80
    alt80 Posts: 4,641 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Thanks all. Valentines came and went yesterday without too much fuss. Did wind up spending a bit on nice flowers and a fragrance she wanted, managed to keep away from the jewellery at least fml. Tbh coming to terms with the reality I won’t be able to give her an unlimited lifestyle is killing me. I am under the guidance of the professionals and glad in a way that I’ve managed to look through things in a more sane frame of mind and plan for the coming years and future - it was needed, but I suppose it’s reality hitting me !!!!!! hard. Had I remained in the position I was I don’t think things would be so rosy rn and I realise how much that stuff !!!!!! with my head and tbh looking back think I’ve been lucky to have the wake up when I did. That’s not to say I’m not grateful for what I have - I am and I know it’s a lot more than most but I’ve spent so many years propping myself up. Not easy knowing if she’d have known I wouldn’t have been able to provide her with the lifestyle she wanted she wouldn’t have chosen to stick with me. I’ve had to explain I’m doing the best I can in business it’s not a simple case of I could take more to suit what she wants - have to keep the ship afloat and staff wages before I can begin to look at taking more myself. Maybe one day there will be some light at the end of the tunnel - I’m not just talking repaying my debts and having a greater amount of disposable or greater retained / whatever. How I am rn probably what I deserve I know
  • theoretica
    theoretica Posts: 12,691 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You mentioned that years ago your current house was your aspiration - but that changed once you had it.  I bet something similar has happened with your wife and the house/life/budgets you now have are much closer to what she wanted when you met than what she now thinks she wants.
    But a banker, engaged at enormous expense,
    Had the whole of their cash in his care.
    Lewis Carroll
  • After the 2 recent high profile stories about Premier League footballers you wonder why your wife still aspires to be with a footballer.

    So she would be happy with someone who is happy to abuse a defenseless animal or sexually assault  her. ?


    If you go down to the woods today you better not go alone.
  • I would imagine Mrs Alt has had a rough few years and it's going to take time for her to believe things won't go back to how they were. She probably feels bad because she believes she could have had a better life. And I'm sure her life would have been different if she hadn't fallen for Alt. Life with an addict must be extremely hard and she deserves some kindness. The same as Alt has received kindness for all the positive changes he has made. We only hear one side of the story here and I'm sure Alt has offered insults towards her too.

    With therapy you will both get through this and stop hurting each other with your words and actions. You are obviously a strong, caring couple if you have got through this much. Mrs Alt has changed so much already. Its hard not to lash out with hurtful words if you're having a tough time. In a few years you will have made so many family memories that you won't feel as regretful of the bad times you went through. You will make it up to your family if you carry on going in the right direction x
    Mortgage start date Nov 2014  - £90,545 over 25 years
    Re-mortgage Oct 2017 - 78,295 over 23 years
    Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
    Current Mortgage Outstanding Middle December 2020 - £
    47893.35 - a reduction of £42,652 in just over 6 years!  


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