Hi guys thanks a lot for replying. I know I will not gamble now knowing that I’ve got roughly £25000-£26000 to make do for 3 years maybe 3.5 years. I would’ve easily applied for a IVA or a DMP if it wasn’t for my fixed rate mortgage. I think I probably will survive and if I’m coming to the end of my teacher with funds I will have to spill all to my mum (rather than my wife) and make sure it stays between me and my mother and maybe she can help, but right now I wouldn’t want to stress her. Regarding gambling I will not gamble because I know if I lose (which I probably will) I won’t survive at all and out of the best my wife has took a £10k loan for me (this includes in the £26k) but I’ve said mortgage and bills and loans take my wages so we have £26k to survive for 3 years. We are not big time spenders anyway and according to her she’s cool with it and said plenty but to me im stressing and feel really sick to the stomach I’m not sure if this is because I’ve lost a lot of money or I’m genuinely worried about survival – I was also contemplating maybe after 2/3 years when most of the debt is paid maybe I could apply for additional borrowing? I’m not too worried about borrowing if I can afford it which right. Ow I can but don’t have the surplus if you like. I’m so confused as to why I’m stressing maybe because I’ve lost the money or. It sure if it’s because I won’t survive? This is driving me nuts.
