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Original poster

To feel suicidal about mortgage/interest rates

2 replies

mortgagequandary · 13/07/2023 08:46

I am sorry if this post upsets anyone but my mind is constantly occupied with the fear of losing my house. [PART OF POST REMOVED BY MNHQ AS WE DON'T ALLOW MENTION OF SELF-HARM/ SUICIDE METHODS]

But I don't know where to turn and can't tell anyone in real life . I wake up every morning and feel hopeless. I am too scared to do anything but I wish I could go to sleep and not wake up

I am terrified of losing my home and not being able to provide suitable accommodation for my children. I have been here 13 years ago when I was evicted from a rental as a young single mum and the fear and shame about not being able to even provide a roof for your kids is awful. I was lucky enough to get a small council house which would not happen now, this made me able to save a deposit and 7 years ago we bought a tiny house. I then moved to a slightly bigger house in 2019 but it's just still modest 3 bed terrace - I was told I could borrow over 100k more but I stayed sensible

We don't have any kind of flashy life. We live paycheque to paycheque. Between me and H we have 5 jobs. I work about 40 hours in 3 pt jobs and he has a main job and an evening job. Since last year when rates started to rise I have used every spare penny I have making overpayments. I have now paid about £5500 but still got 103k owed so feels pointless and not enough as I don't think will make any difference to what my new payments will be

I have a year left now til my fixed ends. and I feel like that will be it then, I won't get to keep my house

I am worth more dead to my family because if I died my mortgage would be paid off and then my husband and kids would always have a home .

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MNHQ

LivMumsnet · 13/07/2023 09:51

Hi there @mortgagequandary,

We’re so sorry to hear that you’re feeling so low right now and our hearts to go out to you.

We’re also very sorry to say we don’t allow threads mentioning methods of self harm and suicide on Mumsnet, so we're going to remove this now in the hope that you can perhaps start a new thread, with amended wording, along with seeking some real life help.

Please contact the Samaritans, by emailing [email protected] or calling 116 123. You can also see the resources in our Mental Health webguide.

Support from other Mumsnetters is great and we really hope you will be able to take some comfort from your fellow posters, but as other MNers will tell you, if you are really struggling it's really a good idea to seek real-life support as well.

Some further support links:

NHS: Where to get urgent help for mental health
NHS: Help for suicidal thoughts
CALM: The Campaign Against Living Miserably
www.nhs.uk/service-search/mental-health/find-an-urgent-mental-health-helpline

MNHQ

LivMumsnet · 13/07/2023 11:13

Hello again everyone. As we previously mentioned, we were going to remove the thread as the opening post contained mention of methods of suicide/self harm; something we don't allow on our talk boards, as advised by the Samaritans.

However, the OP has now been in touch to say that the replies on the thread from other MNers are very useful. To avoid cutting off this support when it's obviously very much appreciated by the OP, we've now edited the opening post. We're also going to move the thread to our Mental Health topic so that the topic can continue there.

As we previously posted, you can find further guidance in our Mental Health resources. You can also go to the Samaritans website, or email them on [email protected]

Thanks all and best of luck with everything, @mortgagequandary - please do let us know if we can do anything further to help Flowers

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