So detached , nothings happening.

[Littleblue]

I am calm , and outwardly functional , If I told any of the school gate mums I spend my days in bed mostly they would be amazed... I have severe debts , an overpayment on tax credits to confess to ( not deliberate) a very late tax return with a huge fine.... debt collectors due on my doorstep any day... I'm not opening letters , if I contemplate rolling my sleeves up to deal with any of this on the phone , my head spins... my own work (self employed) is failing , due to lack of motivation and also the general climate has stung what I do hard , I just live through each day to the time I can reasonably start drinking to shut myself down... a bottle of wine a night , sometimes two

Do you have a partner? Any support?
Know its easier said than done but you need to face up to this and put plans in place to deal with it. You need decent financial advice.
Once you have seen the worse, confessed the worse and have plans in place to deal with it all, you'll feel relieved. Include how you are going to live and eat in that.

Do you own your home? Can you severely downsize?
Part of your sorting put process needs to involve a visit to the gp. You can do this.

Im in a rental.. no serious partner , no... lightly dating , my last relationship broke down a month ago , and iit really fucked my head up , despite only being 6-7 months long... I know if I pick up the edge of this , and get one bit sorted , il start the ball rolling and cope better...its just so huge , all of it , so i hide... its crap , and so unlike me !

friends? Please get someone to help you see the wood for the trees. Youve said it yourself, if you just get started you'll feel better!

My friends , my two closest are currently embroiled in affairs... so fucked off with them both , and wont listen to their excuses as to why its ok.. its bloody not , so I do feel very alone....

Littleblue - I am in your shoes. We have massive financial debt and both of our businesses have hit the skids. However you do need to deal with it...make one phone call or open one envelope a day. I have now sorted the money problems we have a very long term plan to repay debt and we will sell our home soon. I feel so much better I can now breathe.

Thanks Mulranno, good luck x

Littleblue - how are things? Are you able to take one step

I'm seeing a counsellor soon... stuggling still , but not as bad as before , thank you... how are you?

Glad 2012 is over. Have phase one of financial recovery in place......just need to wade through 2013 steadily, sell house etc. I do hope you can take a small step to get things straightened out. It will be ok. It is only money - dont let it wreck your health. Write a list. Make a phone call. You dont need a plan immediately, just get the ball rolling.

My landlords just served me an eviction notice..you couldnt make it up could you

Just reading this thread and wanted to offer encouragement.
I think that posting here is a step by itself and I say "well done".

Can you make a phone call next to sort a payment plan out ???

Do you have family you can stay with in the short term?

I'm picking away at it next week... decided to just deal with immediate issues for now..landlord cant get me out for months as he wants to sell , not get another tenant , seeing citizens advice folk next week..stress making me so ill I need help with it all... thanks :)

If lad you have an action plan. V well done. You seem a strong person, so I think you'll get through this. xxxxxxx

I'm glad. .......