07-04-2010, 12:54 PM
Hi Andy
I think in our situation we have to understand that we will be struggling for a while to get back on an even keel. I don't have any spare cash either. What I do have is a couple of hobbies that I enjoy.
If you can give thought to what you might enjoy doing, as opposed to filling in time, I think you will feel a bit better. As for the money situation not improving, every time you make a payment you are in less debt. Give yourself a pat on the back. Don't be so hard on yourself.
269 days!
Don't throw that effort & sacrifice away. It will get better, both financially & emotionally.
Hang in there.
Can you apply for "hardship" with some of your creditors? Talk to a financial counsellor.
They may be able to offer you suggestions re your debt.
Best wishes
Roy
I think in our situation we have to understand that we will be struggling for a while to get back on an even keel. I don't have any spare cash either. What I do have is a couple of hobbies that I enjoy.
If you can give thought to what you might enjoy doing, as opposed to filling in time, I think you will feel a bit better. As for the money situation not improving, every time you make a payment you are in less debt. Give yourself a pat on the back. Don't be so hard on yourself.
269 days!
Don't throw that effort & sacrifice away. It will get better, both financially & emotionally.
Hang in there.
Can you apply for "hardship" with some of your creditors? Talk to a financial counsellor.
They may be able to offer you suggestions re your debt.
Best wishes
Roy