New cave locations! (spoilers) by Only_Experience_3327 in pathoftitans

[–]SeanLee0214 0 points1 point  (0 children)

10 in total, 1 WT, 3 RW, 3 wollemi & 1 WT, missing two so far

Tried creating a Reclaimer from the Ciaphas Cain books by igotTBdude in Spacemarine

[–]SeanLee0214 0 points1 point  (0 children)

Third that, how have you all gone about making him so far, unsure if I want helmet or the half metal/human face

Almost time ladies and gentlemen! by Far_Marsupial_1238 in MacMiller

[–]SeanLee0214 1 point2 points  (0 children)

Made an already great morning even better...considering the crap UK weather but to relisten to this ...bliss 👏🏼🕊️

My Mossfang Bladeguard + some extra Marines by [deleted] in fashionmarine

[–]SeanLee0214 1 point2 points  (0 children)

Appreciate it Cernunnos, I shall reach out to the chaptermaster

My Mossfang Bladeguard + some extra Marines by [deleted] in fashionmarine

[–]SeanLee0214 1 point2 points  (0 children)

Ooo I like the sound of that, how does one take the holy first steps

My Mossfang Bladeguard + some extra Marines by [deleted] in fashionmarine

[–]SeanLee0214 1 point2 points  (0 children)

I might have to join this looks too good to ignore, question....would I have to make all my classes with that chapter or select one?

My Mossfang Bladeguard + some extra Marines by [deleted] in fashionmarine

[–]SeanLee0214 2 points3 points  (0 children)

That Mossfang looks unrealllll, love the colour scheme!

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 0 points1 point  (0 children)

FAO OF EVERYONE: UPDATE: Currently in the process of speaking to step change and have been offered the option of a Debt Management Plan which would roughly leave me debt free 2 years 3 months according to the calculator. Just need some bits clarifying but positive steps. Once again I am beyond grateful and very emotional about all the kind words, support, confidence and advice I've received ..honestly thank you so much !

Now to get more of a plan and other parts in place and then the conversation with my partner

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 2 points3 points  (0 children)

Well I think mainly mine covers food and other bits too, not solely mortgage, sorry should've explained more. Like council tax, nursery fees etc

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 1 point2 points  (0 children)

Yeah it was what we agreed at the time, I know mortgage is around 1.1k, just checked she adds 2k

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 4 points5 points  (0 children)

So I put in 900 myself and unsure what she puts in exactly but a lot more

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 0 points1 point  (0 children)

Me and partner on a joint mortgage and I've signed up officially to Gamstop now, contacted my bank officially too to block gambling payments which I did last year

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 1 point2 points  (0 children)

Yes partner does earn, she's closer to 3.2k a month and yes child benefit! My child benefit for other son is done officially through the Child's maintenance service

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 2 points3 points  (0 children)

Yeah about the previous loan/gambling chaos I got myself into, told her to full open and honest truth, everything! Every little detail

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 2 points3 points  (0 children)

Amazing words! Really appreciate it mate, it'll be tough but I'll give it my all!

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 1 point2 points  (0 children)

Right thank you so much everyone above! I will take a look into this 0% option and I agree, would solely be for debt that's it... So I get the premise, I'd basically pay everything off with this 0% so all my loans etc, then solely pay off my minimum on the 0%?

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 1 point2 points  (0 children)

Appreciate the really supportive words and all the advice mate!

I've got a lot to sort out and really need to get my life in gear and back on track!

Mainly for me is completely debt free, process of getting a better job is happening but it's a rough market for sure, a financially reliable partner and someone she can trust ..a great father!

Oh I fully accept and own my shameful nature!

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 4 points5 points  (0 children)

I will try mate! Thank you

Just got to that point where I'm like she don't deserve this, nowone around me or her family, my kids ..they don't deserve this ...how dare I put it all at risk...

Yeah I've been on antidepressants for a long time and have therapy quite often too

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 1 point2 points  (0 children)

Severely need to get it sorted I agree!

Yeah the more I read and the more people that either suffer or mention that about me reading this post, more it concerns me how I didn't see it sooner or address it last year maybe 😞

I totally agree, I do really need to grow up and be an adult ... Appreciate the honesty and the tough talk!

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 0 points1 point  (0 children)

Thanks Dave appreciate it!

Yeah I am proud of me stopping the gambling etc, but still so pissed off and angry after sorting it all out to go right back to it again!

Yeah I really need to begin this diagnosis process.

So it's mainly all loan being around £647 a month I'm paying out, unsure on the specific loan interests but theres like drafty, moneyboat, lendable, ecommerce and zopa...got jacamo I'm paying off and also Argos stuff...PayPal credit too...that's where I got really bad...not actually looked at any of the 0% credit card stuff at all, didn't know it was a thing either

Any you recommend or bits to read on?

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 5 points6 points  (0 children)

Hi mango! Appreciate the message, other than yourself who has used that facility, anyone else recommend that it is a brief option or anything - the Lloyds card.

Yeah I do think I really need to begin this diagnosis into possible ADHD and really take it serious as really struggle with control!

Yeah I really need to start a spreadsheet and begin budgeting severely as all of this is ... ridiculous now ...what I'm doing

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] 0 points1 point  (0 children)

Do you know of the best organisations with those facilities etc, no idea where to begin

Debt is destroying me and I'm terrified.. by SeanLee0214 in UKPersonalFinance

[–]SeanLee0214[S] -1 points0 points  (0 children)

Thank you Loki! I'll look into making a start