Well done on having your IVA approved firstly, and secondly, you are NOT the worst person in the world or useless and you needn't feel ashamed. You are doing something positive about your debt and should be able to hold your head up high.
Anytime you need advice or support then the forum is here for you.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
It is a horrible feeling- I felt all of the above as well as just overwhelming anger at myself - I keep telling myself things could be so much better if I hadnt been so stupid and lost everything i had including my home.
The thing to remember is you are by no means alone- so many people have found themselves in the same boat, especially in these times.
I am now very likely going the bankruptcy route due to unemployment and its very hard to think of that- but at the end of the day it will be painful but a bit like ripping off a band aid I think- it wont be easy but I cannot continue as I have been with constant worry.
Whats done is done and I think as long as you are trying to build up your future thats the important thing
That's right stressed. We've all been there, and some, like yourself, are still there.
I hope you get your BR sorted soon and can get on with living life again.
And I hope you manage to find a job soon.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
