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Feels like im going under!

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  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Tink - that was no ramble. Super useful post! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Tink_04 said:

    I just wanted to add OP please keep posting, you are not doing this alone, I hope you and your wife are on the same page and working together through this. 

    Some advice form my own journey.

    • Don’t play the blame game as a couple - the money is spent and gone, wipe the slate clean with a new focus - you are on the same team.
    • We got rid of sky for a ‘few months’ and that was 6 years ago, I really panicked and thought it would be a huge miss - it’s not.
    • If your worried about worrying some of the younger kids, explaining about food waste, recycling and reusing what we have in an environmentally focused way helped us. 

    Children know that everything is expensive at the the moment, your older ones will understand the cost of living at the moment and re evaluations your finances is what everyone is doing - they don’t need to know about how much debt your in. Your changing your lifestyles to pay off your debts, they just need to know about the lifestyle change and that there is less money being spent.

    Finally (sorry for rambling) it’s only money. It can become dark and hard, you and your wife may fight or even have negative thoughts around the situation your in. The most important thing for your family is you - never the stuff. Always reach out if you feel your MH slipping and try to work together and support each other.

    A lot of good points there @Tink_04. I totally agree, especially where you say it is about you and never the stuff. Having a lot of "stuff" does not make you happy, nor does going out & spending money. We have a lot less stuff now and go out spending a LOT less, but we are so much happier.  So hope the OP & his wife have had a good talk this weekend and things are getting better for them.
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 756

    Books read    13
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Hi guys 

    I haven't vanished. I've come down with a major dental abcess (infuriating as intake my oral hygiene very serious).

    In agony and have had to get emergency dental visit. On Antibs but no idea how I'm going to afford the root canal they are recommending afgernthe antibs
  • sammyjammy
    sammyjammy Posts: 7,955 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi guys 

    I haven't vanished. I've come down with a major dental abcess (infuriating as intake my oral hygiene very serious).

    In agony and have had to get emergency dental visit. On Antibs but no idea how I'm going to afford the root canal they are recommending afgernthe antibs
    Oh no!  Take care and come back when you are feeling better, is there a dental hospital where you live?
    "You've been reading SOS when it's just your clock reading 5:05 "
  • I always refuse root canal...would rather have it out. Hate dentists anyway, but certainly refuse to pay silly money to have work done. Hope you feel better soon

    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 756

    Books read    13
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Tink_04
    Tink_04 Posts: 1,206 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Oh no - I hope you get it sorted. 
    Living the simple life
  • Ouch! Sometimes life just feels like everything hits you at once. 

    Hope you feel much better very quickly. We’re all still here to help again when you’re ready.
    Take care. 
    MFW date 2nd Jan 2024 - task complete YAY!

  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh  no - definitely not what you needed right now on any level! Hope you're feeling rather more comfortable soon. 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • pelirocco
    pelirocco Posts: 8,275 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I always refuse root canal...would rather have it out. Hate dentists anyway, but certainly refuse to pay silly money to have work done. Hope you feel better soon

    Taking teeth out can have a negative  impact on the teeth either side 
    Vuja De - the feeling you'll be here later
  • pelirocco said:
    I always refuse root canal...would rather have it out. Hate dentists anyway, but certainly refuse to pay silly money to have work done. Hope you feel better soon

    Taking teeth out can have a negative  impact on the teeth either side 
    Yes that's true
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 756

    Books read    13
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


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