I have reduced my tv & phone packages to cheap options,...pay my tv licence with stamps,
sourced cheaper car and house insurance
Dont' beat yourself up about that. Many people have insomnia and function pretty well. Just try to be as positive as possible. Keep yourself strong so you can help yourself.It is currently almost 3am and I haven't slept a wink.
I would really appreciate any advice here please. I am 35, single, on interest only with my mortgage lender as I wasnt making ends meet after a large pay cut in January and I still am not coping. Over the last two months I have missed countless direct debits which I have mostly caught up with by robbing Peter to pay Paul ie missing another one to pay the last missed one. I owe family and friends money (about 1000 to friends and 3000 to parents after en extended unpaid sick period from work last year), have a credit union loan (c 3,300) and bank loan (2,460). I have no credit card anymore (bank loan was got to partly pay that off).
Total debts:
Mortgage 182000
CUnion 3300
Bank 2460
Family etc 4000 (no one putting me under pressure but I feel awful about oweing them)
I get paid weekly and just don't seem to be able to cope financially anymore. Also, I have a mental illness and the stress is making me ill again. It is currently almost 3am and I haven't slept a wink. I feel sick constantly cos I can't make ends meet. I have reduced my tv & phone packages to cheap options, sourced cheaper car and house insurance, pay my tv licence with stamps, get my groceries on special when they have been reduced etc. I have gone through every bill and cant see a way of cutting back anymore (I have medical expenses which don't help but my parents are now helping with my VHI and my amazing doctor is not asking for a fee anymore, I am very lucky in some ways yet I still can't manage). I am at the point where on a Thursday I take out 100 euros when I get paid and that has to cover petrol, groceries, my (low cost) therapy (only a tenner and vital for my recovery) and general living expenses. I don't drink or smoke (couldnt even if I wanted to) and just can see no way to further cut back. I have read about Credit Union budget accounts and wonder if one might help me? I am desperate. Right now I just want to close my eyes and make the fear and panic go away forever. Please somebody help.
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