Money related anxiety , please come and tell me to snap out of it!

[lottomum]

I think this has been instigated due to us receiving our tax credits renewal pack as I always convince myself we will have had a huge over payment , I do suffer with anxiety generally and have not long come off medication.
Our situation is not a huge income, about 32k before tax between us and then tax credits on top mainly due to high childcare costs, 3 children and no debt's but only a small amount of savings (5k)
We also own our own home and only have a 10k mortgage left on our nice house in a nice area , so what the hell is wrong with me?? Dh shouted at me last night when I tried to talk to him about it and I'm not sure I blame him either

Unless there is something else you're worried about, you probably do need to snap out of it.

I'd love to be in your position, well done, you're obviously doing well & have planned sensibly for your financial future.

Try to relax.

You are in a much much better financial position than many (including us!) so in the nicest possible way, snap out of it . You're doing fine.

Thanks Telephone
I worry about anything and everything but nothing else as much as this it is becoming almost obsessive.

Thank you YOUMAKEMYHEARTSMILE

Can you pin point exactly what your worry is? What do you think is going to happen?
If it's linked to tax credit renewal, do you think it will ease when you find out you haven't overpaid?

Overpayment is the biggest worry and I get in a state about this every year , its not happened yet but I always think it will, that will ease slightly if we've not been overpaid.
I watch and read too much money related stuff too which doesn't help and when I'm really bad I become convinced that at some point we will be virtually destitute , I know in the back of my mind I'm being slightly irrational but can't help doing it.

We had a huge (to me) overpayment through no fault of our own - we had a number of changes of circumstances over the period of a couple of years - maternity leave, redundancy, childcare changes and I informed them about every single one when it happened but as payments are based on previous years and the threshold rules changed at the same time we had an overpayment of £1700. To me, that was massive and devastating but the person dealing with me said he was regularly dealing with people who has been overpaid by £10000!

They were extremely sympathetic and came up with a 4 year payment plan that we could manage on our budget, so even if your worst scenario did happen, it's still not the end of the world and they should not expect you to make one lump sun payment. Hope that helps.

I get it, we lived abroad for a while through DH's work and despite him having a personal tax expert assigned to him we ended up (through no fault of our own) owing the inland revenue £3000. We had no savings, lots of debt, I had been made redundant, was pregnant and we don't own our own home. We got through it though, paid it back monthly and it's gone now. My point is that even if something unexpected happens you will get through it. And the likelihood of it happening in the first place is pretty slim!