h2g2 The Hitchhiker's Guide to the Galaxy: Earth Edition

I was hoping for a different answer, but if Moonglum doesn't get work in amonth then it all starts to go. I don't know how many mortgage repayments you have to miss before they turf you out. Think I'll go drink lots and start cutting now.

Aaw Kaz, I hope not. I know how stressful it can be at that point. And Drinking's one thing but I hope you don't decide to cut. s Hon.

IMHO, drinking lots MAY actually help, its will relax you slightly, which you both need. But doubt very much if cutting will, maybe relieve your pressure temporarily but will add immensely to Moonglum's & certainly won't do anything to actually sort the problem, maybe even make it worse.

Once you are slightly over the evil shock bit, maybe try & find out the practicalities, ie: just how many payments, whether you can reduce them, take a mortgage "holiday" etc, lots of policies have built in stuff to cope with this sort of situation 'cos (unfortunately) so many people go through it.

Any way you might be able to make some money from your photography? You are certainly talented & competent, it might mean doing subjects you wouldn't really choose BUT that's life. I did it for a couple of years to support my then hubby through college, & pay mortgage, not bloody easy but just about possible if you sort of *suspend* some stufff & treat it as just a professional job.

Noteasy. thank goodness you have each other.The most immense bonus of all. That's LIFE, the rest is just lifestyle.

zdt

*Hoping very much that Moonglum finds work soon*

Is there anyone who would be willing to store your things for you if you did have to move into a shelter? I had a friend who lost her job and wound up evicted, but a friend stored her stuff. My friend M had to stay at a catholic shelter for a while, but eventually she got back on her feet financially and was fine. Another friend of mine K injured her back and was unable to work, and our minister found her an efficency that was only $25 a month.

JEllen

http://www.insolvencyhelpline.co.uk/

Kaz,

Right, get your butt down the Citizen's Advice Bureau. Make an appointment to see their Solicitor and the Debt Counsellor. They can often speak on your behalf to your lender and arrange relief. They sure helped me a few years back and got me back above the red line.

If you begin to despair then you will condemn yourself to that which you fear. If you love your home then fight for it, never accept a loser's course.

Courage mon ami!

Blessings,
Matholwch /|\.

You may be eligible for housing benefit on your mortgage some, that's worth looking into at the local council too. CAB may advise this also.



I'm really sorry to hear of your money strife I hope it works out soon, so that you don't worry so much.

Hi, Kaz. I really am hoping that Moonglum will find work soon. I know how hard it is, been there myself. It is so frustrating and depressing and demoralizing. I don't have any asnwers about the payments and stuff, because things work so differently here in the States, but I wish I was in a position to help.

As for alleviating some of the tension: drinking (perhaps even a lot) might do you some good, temporarily at least. I agree with Terri, though, that cutting might only cause more worry for Moonglum.

I hope that something comes along really, really soon.

Nothing yet.

He understands the cutting, its never deep, and its saves me breaking things instead. Its very scary scary.

s

I wish I could help. Can you go see your mortgage provider and ask for help? They may offer you an interest-free period. And I think they would take reduced payments rather than none.

I think after 3 missed payments you start to get letters, but it varies lender to lender.

I'm so sorry you're having these problems Kaz

If it's any consolation, I am going to lose my job at the end of January, so I'll be in the same boat. It's scary for me too. So we can commiserate, and maybe send each other energy for finding employment. I'm sending you all I can muster.

I have little to offer except a

We are all walking very scary tightropes here. Just sold my mandolin so i can pay electric bill, but even after that will still have major debts, worst of all, mostly to personal friends who have their own problems; all i know is that cutting yourself, while it may make you feel better in the short term (YES I DO understand) inevitably really really hurts the ones you love, because thay love you, so your love for them means think many times more than twice before you do it; if you still must, at least tell them you will limit it to the minimum, so they don't over-react.

Personally i ended up diverting INTO destroying "things" 'cos things can be replaced; it's still satisfyingly destructive behaviour & can be confined to only your own things & you get all the guilt stuff, but wounds your loved ones less than harming your body.

If you *really* need to do the self hurt bit, try plucking hairs out *ouch* you can go to town on that very nicely & only hurt yourself; not them!

with all this cr*p; honestly; Please do what we all say & go & see Citizens Advice, bank, etc, do the practical stuff, it is horrible but nobody includng the banks, mortgage lenders or even wretched government wants to see you go under, you need to just find out whatever help you can get & take it till things improve.

Be brave. You & Moonglum are bigger than this. You have each other & you have "us lot"; much much more than many others.

zdt

Kaz and Pc..

Its the end of the begining.

he has a fantastic job, more money, more responsibility, he is head of the it dept.

Keep hope PC, the unexpected can happen when you really have given up all hope.

Oh and I have a shop to sell to photos in.

That's wonderful that he's found something, and that it's so much better then before! And you've found a shop to sell photos in, to boot! I'm thrilled for you both!

I've not lost hope, yet. Right now I'm just looking at this as the push I needed to motivate me to look for something better. The office being so close to my home, abd the casual atmosphere, made it a bit difficult for me to really get annoyed enough to leave. Now I have no choice, so I'll look for a bit more money and maybe even less stress. If I could handle the cap and gown melee of this past May, I can probably endure just about anything a prospective employer could throw my way.

I actually think I worry more about other people- like you and Moonglum, and other friends- because I hate seeing people I care for suffer and I'm helpless to do anything.

Kaz, that is fantastic news!

Kaz

Absolutely brilliant! Good things do come to good people.

Remember one secret of being lucky and staying lucky is to believe you are lucky (this has now been scientifically proven by some social psychologists). The other is to accept your luck and work on it.

Good luck to you and your love.

Bright blessings,
Matholwch /|\.

Congrats to both of you!

wonderful, kaz & moonglum, so happy for you! sorry i cant do smileys & stuff but i got my hand smashed tonight, thank whoever i have rk here to help; or i wold be really up the creek!

pc i am sure your time is coming up too; you and k dont desreve dead end jobs, keep the faith

sorry for typos

zdt