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| The independent answer to your debt problems | login join |
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shopaholic
| 03-12-2007 10:34 AM |
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Joined: 02 Dec 2007 Posts: 3 | Hi I have been looming about his site for a while. I have found that my debts are just too much. I don't think I will be able to make the minimum payments this month. I recently lost my well paid job and although I thought I had a handle on my spending I didn't. I just kept spending at the same rate as I used to but with now a much smaller income and things have now got out of hand. I don't know how I will get through this Christmas, I haven't got the kids presents yet and I am supposed to have the in-laws over for Christmas dinner :(. Really feeling down and need some help. |
| helpmenow | 03-12-2007 11:16 AM |
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Joined: 15 May 2007 Posts: 30 My Profile | Morning shopaholic and welcome to the forum. I am sorry to hear about losing your job. I got myself into lots of financial problems through uncontrollable spending but now I have sort myself out through an IVA. I you want help then I would suggest completing an SOA so that the experts on the forum can assess your finances and offer suggestions. I have included the link for the SOA. http://www.debtwatchdog.com/Statement-Of-Affairs.html Good luck |
| conwyman | 06-12-2007 04:18 PM |
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Joined: 05 Dec 2007 Posts: 12 My Profile | you are not alone out there When your income changes its hard to ajust i got left debt by my ex partner plus my own debt does make you dipressed but there is help. This website is the best on the net and as made me look at thinks more postive goodluck |
| View My SOA | |
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shopaholic
| 06-12-2007 05:13 PM |
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Joined: 02 Dec 2007 Posts: 3 | Thanks Conwyman. I am struggling with my SOA. Every time I sit down to do it I just think what a fool I am and I never get it done. I have been following your thread and hope you get your debts sorted out. I wish I had the bottle to start up my own business. Good luck |
| conwyman | 12-12-2007 01:27 PM |
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Joined: 05 Dec 2007 Posts: 12 My Profile | Its hard when you are in business because it takes to build a customer base but anyone can do it i have put in about £10.000 over the years but my ex partner messed my income up with her debts i just think postive and keep pulling in new customers then i might be in a postion in a couple of years to pay my debts off. just start a business part-time and build it up |
| View My SOA | |
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shopaholic
| 13-12-2007 10:45 AM |
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Joined: 02 Dec 2007 Posts: 3 | Thanks for that conwyman. I have been looking at doing affiliate marketing. Everything I read about says that I should find a niche, but I just can't seem to think straight. I suppose its difficult with all this debt! I hope your getting things sorted out. |
