still thinking about options

[kazzafunk]

harrimav - with careful planning and being frugal, you should still be able to give some treats. There's loads of things you can do with her for free, sun cheapo holidays, and remember if you carry on without taking action you could get in a worse state financially. You'll come to the right decision when you are ready, but I know I am kicking myself - should have done this years ago.

[Foggy]

5 years isn't that long in the grand scheme of things. Five years ago Steve Irwin was killed by a Manta Ray...... Five years ago Saddam Hussein was deposed ... it doesn't seem long at all.

[kazzafunk]

Really? That is amazing. The only down side is in 5 years I will be 51!!!!

[harrimav]

yes, i know thanks,it's 5 years since i gave birth and that has flown by and that's what i keep thinking..don't think my husband will need to take out an iva with me as the debt is mine only

[Foggy]

Really? That is amazing. The only down side is in 5 years I will be 51!!!!

Still a youngster then [:)]

[harrimav]

thanks everone. Will investigate more this week and then fingers crossed for a postive outcome which could change my life !

[oscar]

hi Harrimav, don' put it off once you tackle it you'll start to feel better Hugs
Oscar

[Shining]

once the ball is rolling you'll feel better, after that you'll be on your way to debt freedom. x

[kev59]

Dont put it off, I did two years ago think I could get out of my debt on my own,
well I paid off two loans of in that time,
then looked at c/card bills. was in more debt then before.
I talk to some one a few weeks ago now, felling a lot better for it. but if I done it two years ago, would only have 3 more years left.

[harrimav]

i know.! credit cards maxed out and piling on the interest!nearly up to overdraft limit. know what to do., just hate and scared of facing up to admitting it x

[SharonC]

It is a scary thought going into an IVA but believe me and like many others will tell you on here it's well worth it. Once you've started the ball rolling you will feel like a great weight has been lifted. There's no shame in admitting you need help. You've made the first step by coming on here.

[kallis3]

Don't be scared harrimav - we've all been there and whoever you speak to will know how you feel and be very sympathetic.

Just pick up the phone and speak to one or two companies - you'll be amazed how much better you feel just by doing that.

[harrimav]

thanks, i have spoken to 2 reptuable companies sobjust need to tot up figures and hope can afford amount that they propose to pay back

[Shining]

I'm sure things will soon become clearer harrimav, get totting up those figures. x

[harrimav]

will do, it's the totting up that worries me lol! afraid to face facts!