In debt and need to sort it, but how?

Ember999

Miroslav wrote:

That's £18 of the debt gone...

:j

Excellent! Marvellous! Wonderful! Feels good doesn't it?

Keep up the momentum, you'll be back on your feet in no time :beer:

Ember xx

Miroslav

Ember999 wrote:

Excellent! Marvellous! Wonderful! Feels good doesn't it?

Keep up the momentum, you'll be back on your feet in no time :beer:

Ember xx

My wallet looks empty though

But at least it's a start :cool:

brummiebabe

Just a thought - are you getting all benefits you're entitled to? If you're suffering with anxiety/depression etc then you may be able to claim Disability Living Allowance! It's a HELL of a claim form but worth the effort!

Best of luck!!!!!:)

Miroslav

brummiebabe wrote:

Just a thought - are you getting all benefits you're entitled to? If you're suffering with anxiety/depression etc then you may be able to claim Disability Living Allowance! It's a HELL of a claim form but worth the effort!

Best of luck!!!!!:)

I was told I didn't pay enough tax in one of the qualifying years.

I'm due to see my 'advisor' in 3 weeks, so maybe I can ask her to check it out.

Not sure when I would become eligible though.

roversbabe

Hi Miroslav,

Good on you for making a start on sorting out your debt - this is for you :beer:

From experience, I know how hard living with depression is - you are now making a positive step which can only help. As Ember has said, the power of being and staying positive is immense.

Good luck to you - you're in the right place here. There's loads of warm and wonderful people here with a lot of wisdom and you can get out of the situation you're in. Every positive step you make empowers you.

Good luck - this is also for you :grouphug:

rb x

Miroslav

roversbabe wrote:

Hi Miroslav,

Good on you for making a start on sorting out your debt - this is for you :beer:

From experience, I know how hard living with depression is - you are now making a positive step which can only help. As Ember has said, the power of being and staying positive is immense.

Good luck to you - you're in the right place here. There's loads of warm and wonderful people here with a lot of wisdom and you can get out of the situation you're in. Every positive step you make empowers you.

Good luck - this is also for you :grouphug:

rb x

Thanks

I'm trying to remain positive, at least until the next letter

A little bit off here and there is something

brummiebabe

Miroslav wrote:

I was told I didn't pay enough tax in one of the qualifying years.

I'm due to see my 'advisor' in 3 weeks, so maybe I can ask her to check it out.

Not sure when I would become eligible though.

As far as I'm aware, DLA is a non-means tested benefit open to all!!!! May be worth checking - its for people who need help with personal care/getting around, and I know of many people with anxiety/depression who've got it!

WSO

brummiebabe wrote:

As far as I'm aware, DLA is a non-means tested benefit open to all!!!! May be worth checking - its for people who need help with personal care/getting around, and I know of many people with anxiety/depression who've got it!

Not sure if it has changed recently, but OH tried to get DLA about 8 year ago - he is partially deaf and relies on his hearing aids to be aware of his surroundings (so he can literally switch off whenever he wants to)... apparently he wasn't disabled enough to get it even though it would be difficult for him to get around safely when (not if) his hearing aids suddenly cut out on him!

Fortunately his new digital hearing aids warn him when his batteries are low...

tattooed_lady

Ember999 wrote:

Hiya hon,

Just read your post and wanted to give you a hug :grouphug: I think you have done remarkably well given all the stress, problems you have had over the last few years. Your post is actually an inspiration to others on here who may be needing support. Your inner strength shines through in how you have dealt with all the c**p so far and in your determination to sort it all out in the future. Lot's of people out here in the world have no family etc. Take me for example, I have my babies (my cats ) and my husband. I have no family either, without my hubby or his wonderful mother (who is my adopted mum) I would be alone in the world too. The thought of that is sometimes a frightening thing and I do not even like to think how I would cope/what I would do if ever he was to die etc. I think you are doing amazing and now you have posted your statement of affairs on here, all the money saving/debt paying experts will be here to offer help and advice soon. I am pleased you have not entertained the idea of losing your internet connection, most of us would be lost without it and the social aspect, money saving aspect (coming on MSE etc. ) make it a justified expense.

As for not feeling too well, I hope you start to feel better soon. I am sure you will as you start to get your debts sorted and feel you are making progress in making your life that little bit better.

Hugs,

Ember xx

ps..how's this for bad luck? I fell down the stairs this afternoon, due to carrying a heavy vaccum and wearing totally unsuitable slippers (furry, heeled, sexy ones!) The unsuitable slippers are now in the bin as they tried to kill me and I am banned by husband from carrying hoover up and down stairs
I am bruised, battered and my ankle is the size of a small country but I have no broken bones so I shall be grateful :j

Ember xx

Sorry this is going slightly OT but just wanted to wish you better Ember - Ouch! Sounds painful! :grouphug:

moneysavingplumber

Hi,

I think it would help you think more clearly if, rather than fret and brood over what might happen, you got as much information about what could actually happen in the worst case scenario. It's not likely to be as bad as you imagine it to be, but I understand the worry it causes. I was threatened with distraint action by IR a few years ago over income tax arrears and they were very aggressive about it. When I actually sat down and saw what they could do it was less worrying and I obviously wasn't the only person in that situation.

Have you taken any professional debt advice? There are plenty of free advice services out there and talking to someone like that will lift a weight off of your shoulders.

I was about £25,000 in debt, including income tax arrears, two years ago, and now I'm two years (nearly halfway) through an IVA and get no grief from creditors at all. It's the best thing I've ever done. I'd struggled with it for about 2 years, taken advice from CCCS and had a payment plan for the credit card companies etc, but when the Inland Revenue come knocking that doesn't cut any ice I'm afraid. Whatever you do, you've taken the first step here, now you need to go and see a professional if you haven't already.

How about a change of career? Trying to get into something you enjoy. Work is always work but it can make a difference to your self-esteem if you get satisfaction from what you do, perhaps your job wasn't the right one for you.

Depression is difficult (but not impossible!) to address. Given your recent situation, your GP should be more than willing to refer you to a bereavement counsellor, it doesn't matter how long ago your loss was.
Medication can be a kick start in the right direction, but talking it through is far more effective overall. I personally know a clinical psychologist and psychotherapist that has a six week limit on treatment of depression, with astounding results. There are people that can help you on all fronts, and undoubtedly dealing with one problem will help with the other.

I hope that can be of some help. Good luck.