last xmas

[freelili]

Hi Im struggling.

To be honest with you I think you would be so much better off actually talking it all through with someone. I did what you are doing, I could manage with my budget making minimum payments only but it would have taken years and years and if anything unexpected happens and it did, I couldnt cope and used credit.

I know its scary and hard but you may just be putting off the inevitable by just about surviving like this. You could be on a real road to debt freedom (like in a boat, instead of just treading water). You would then know your options and make a more informed choice about the future, even if that is just sticking to what youre doing now.

I would just hate for you to be posting in six months time saying somethings happened and you cant meet your payments anymore...... Anyway, youre very brave for posting, I hope I havent unsettled you.. Just think about it?

[Soulgrowth]

Just wanted to add my welcome also and well done you for addressing your debt situation and not sticking your head in the sand as so many people do.

Now that you have posted be sure to keep in touch.

Debbie