You didn't offend me Ox .... It got to the point where the thread was going round in circles. Only so much advice can be given and other forum members were coming across as a little frustrated ....
Glad you spent time with the family yesterday ..... Another nice day ahead....nice long walk with a picnic today ....with the family ...another free day out !
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
We have friends around today with their kids for dinner so hopefully that will be a distraction play in garden and trampoline
I slept better last night think losing myself in movies helped a lot.
I am sure I am not going mad or having a nervous breakdown.
We also had a long chat about things and decided that a lot of the fear is not about the IVA process as we trust the team and they would not take it on if it was not a good offer, though it is a bit all or nothing. But in fact it is more about the future and can we sustain things afterwards. We have a the biggish mortgage that still has 20 years left as we are not that old and a stupid secured loan that we took to set up the house etc 6 years ago. With taking a drop in salary and the risk on my career from the IVA the worry is about sustaining it with increasing cost of living etc and will I get promotions and pay rises again the market for my line of accounting is dire at the moment. I am more in planning and modelling etc which you see is why people say my brain is trained to always look to far forward and have to plan every scenario rather than live day by day. We fear that even if we can get through the IVA process that these things will get us in the end and cause us to lose our home etc. We fear that the family could not survive a bankruptcy if that happened though that is too negative
But overall it was a good night and we talked for a while and got my feelings out and the movies really helped
I not going to go round in circles today but that was our chat last night and I wanted to see what you think and now lets enjoy the day we have left and see what the rest of the week brings got to try and focus at work
One practical issue has come up though I got a letter that the DD switch from my old bank failed due to DOB not matching and also name being different, thats a nightmare i think I may have to do it manually
Last edited by Ox1987 on Mon May 06, 2013 8:58 am, edited 1 time in total.
Cognitive behaviour therapy is changing of the thoughts, my daughter is into this (learning about it) as she's studying Psychology at uni and wants to work within a prison when she's graduated.
I've never seen any Lord of the Rings or anything either, not a film person me, read a few books but prefer factual.
Today I will be in the garden supervising hubby who will be painting the bench and gate alongside a lot of other jobs I have for him.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Well its been a good day 2 bottles of Aldi wine and a nice roast with friends kids are still playing football and obviously watching a good bit of snooker.
Mostly it has stayed out of my mind though having fun in our house and going for a walk with friends did make me think I want to keep this house and would be sad to lose it.......i thought it no longer felt like home but it does and it is the kids home.
Off to feed baby now and then watch the snooker
