In A Mess

Tiglet

Carry,

Hi and welcome to the forum. Please feel free to talk about anything you want here. There will always be people around to listen, even in the middle of the night! If the thought of doing a full SOA seems a bit daunting, then that can wait. Once you get talking to some of the folks on here you'll soon realise that you're not alone, and you'll find things start to get less daunting once you get things into perspective.

gilligansyle mentioned a thread about debt and depression. This is something that affects lots of people, so there's no shortage of understanding people around who can be a lot help in dealing with depression. You can read that thread here.

roomontheend

Hi Carry, You are in the right place, these members are wonderful and will truely help ou sort things out. Have you tried the snowball calculator at http://www.whatsthecost.com/snowball.aspx it should help to show you that there is light at the end of the tunnel. Best of luck.

amanndajane

southernscouser wrote: »

By the way I did it about 5 times. :rolleyes: Any advances on 5 anyone?

i`ve done it twice !!

sallyx

um lost count how many times ive consolidated and then run up debts again!
Carry you can sort this out, just get it all down and we will see how we can help

amanndajane

and well done for taking the 1st step ! it took me a whole day to gather all the info for my soa, still not sure i`ve got everything ! but it is well worth it !! you might even find out that things are`nt as bad as they 1st seem.
I`m in the same boat, not long had my lightbulb moment, and you`ve had that, things will get better, just think how much worse it could have got if you`d continued to bury your head in the sand !!and the best bit is your`e here, with people you soon regard as friends,( actually it`s alot like therapy lol) so keep posting and chin up(my neighbour says that to me, i always reply "which chin? i have 3 " lol)
:A

bozabutcher

just sid down and be positive and talk to your hubby.
Then look at this website and all the debt advice and how to deal with debts plus available help is here hope you find the info useful.
http://www.ned-cab.org.uk/
regards

theunknownstuntman

Hi Carry, welcome to the forum, and well done on posting!
As everyone else has said, get your Statement of Affairs on here and the great and the good will advise where you can cut back.
As SS said its only money, its not worth taking your life over and I'm pretty sure your husband wouldnt want that. Chin up, you're amongst friends here.

Stunty
(p.s SS, only the two times for me...)

taxi73

Hi Carry,
Welcome we are all here for you.Are you ok?..please come back so we can help at the end of the day it's money..your life is worth more than that.
Have you told your husband yet?..hope you've managed to sleep tonight

Merlot

southernscouser wrote: »

It's only money hun. It certainly isn't worth taking your own life for.

If you are feeling really down then talk to the Samaritans immediately.

I promise you that your money problems are fixable. You might not be able to see any light at the end of the tunnel right now but we're all about to shine a big !!!!!! of a torch into your eyes and show you the way out!

SS, said it all really.

BTW, I did 3 times, consolidated and then spent again.:mad:

DisillusionedAnna

Hi Carry


Do come back online, I avoided coming back online for ages, then when I did I found the help I needed, slowly surely with the peeps help on here and there kindness and non judgemental help about my situation Ive turned it around, i know it will be a long hard haul but the folk on here have been my saviour, so dont just read our replies start your journey with that first step...just say hi and let us know your well and the rest will follow.
I just wish my sister had found this site so say hello as we are worried about you and hope your well

warmest thoughts

Anna xxx