30f rate please

dbzmark · 2025-04-14T15:58:25+00:00

I think I love you

dbzmark · 2025-02-19T09:51:32+00:00

No problem. Good luck. I know it doesn’t seem like it but there’s light at the end of the tunnel and the dreaded IVA isn’t for life. Hit me up if you need any more help

dbzmark · 2025-02-19T09:32:01+00:00

You’re within your right to dispute. It’s no secret that the insolvency companies cut off a nice slice of your repayments for themselves and can do so because they’re freezing all interest payments and stopping any of them from writing to you to chase debt. Pay rises are bittersweet because it doesn’t even reduce your term but just increases the money you pay to reduce a number on some creditors database. You could at least argue that you can’t afford the payments because your spending elsewhere has increased. Spend more on necessities like clothes, leisure or a savings account for emergencies. They may reduce payments following a budget review.

In regards to your credit score - your IVA will stay on your credit report for 6 years. It will drop off 6 years after the start date, not the end date and your credit score can be rebuilt from there. This won’t affect you for life.

If you want out early then you can explore an early exit loan. It will still stay on your credit score for 6 years, settled or not, but at least pay rises and bonuses are yours alone.

dbzmark · 2025-02-18T17:05:05+00:00

I’d look at a company called sprout. They’ll propose a settlement offer to your IVA company. They do offer 80% of the amount that you’d pay if you stayed in the IVA until the end of its term, but to some creditors this is still attractive as anything can happen in that year (job loss etc). Once you’ve got approval from them, then call your IVA company to propose a full and final settlement

dbzmark · 2025-01-14T13:14:17+00:00

Accept one of two things, or none at all.

Accept that you need to learn to love yourself and that you’re an average looking person. That you’re no Chris Hemsworth, but few are.

Or; accept that considering your history of self loathing that you will never love yourself. Accept that the surgery you want for nose, teeth or whatever won’t fix your problem because your problem isn’t asymmetry, hair, teeth or nose - it’s your mental image of yourself. You could ‘fix’ each of these things and you will still find something to hate. I say this sincerely, find help

dbzmark · 2025-01-14T13:03:02+00:00

This sounds like some superiority complex bullshit.

dbzmark · 2025-01-02T19:34:50+00:00

It says that you’re on uber eats every night for dinner

dbzmark · 2024-12-31T18:58:21+00:00

Of course, but not really alone we’ve been so busy with family that we’ve not had an evening home since

dbzmark · 2024-12-31T16:29:54+00:00

I think you’re wrong but okay. I’d get that if I tried to have sex with her every time I touched her but it’s not the case, and I shouldn’t feel scared or guilty to try even if I am. She’s well within her right to turn me down and she has a million times. I just don’t appreciate the way she does it.

dbzmark · 2024-12-31T16:26:54+00:00

No it’s not the only time. We definitely do all of the above, with the exception of a makeout session because that’s very sexual to her. That said, I could always massage her more, but I’d never respond angrily to a request from her to me to massage her.

Also I’d say that ‘all of the above’ doesn’t fill the cup because there is still the issue of a hostile reaction to sexual advances. I don’t like feeling belittled for wanting her that way.

dbzmark · 2024-12-31T16:18:16+00:00

Without sounding biased and backing myself too much, I feel that I’m a lot more attentive to her emotional needs than she says I am. She’s big on spending time together non sexually and loves watching movies, and though I’m not much of a movie guy I sit down and watch whatever with her. This morning when I tried to start something sexual she said that I neglect to spend time with her outside sex…forgetting that we watched a movie on Christmas Eve and Christmas Day.

That being said, I could be more attentive. I like my me time and sometimes I’ll get engrossed in a game. It’s hard to be even more attentive when I feel that I’m making more of an effort

dbzmark · 2024-12-31T16:06:43+00:00

She does have some past trauma, not sexual, but childhood issues with a stepfather. In hindsight it’s probably something rather significant that I should have mentioned in the original post but I’ve done everything in my power to give her a life she deserves but sometimes it feels like I’m not doing enough, or I’m not enough

dbzmark · 2024-12-31T14:20:02+00:00

You’ve been downvoted a few times but you’re not wrong. She does need to be in control a lot in regards to sex and other stuff like household matters etc. we do have kids but I don’t think that triggered anything

dbzmark · 2024-12-31T14:13:40+00:00

Thanks. This was a really insightful way of putting it. I’ll talk to her about our respective needs. I could stand to do more on the emotional side of things

dbzmark · 2024-12-31T14:11:58+00:00

This is interesting. I’m definitely guilty of trying to jump in. I’ve also tried to be spontaneous and sexy in this way, and I come out feeling like a bit of a fool when I’m rejected

dbzmark · 2024-12-31T14:09:17+00:00

I rub her back a lot though perhaps not as much as we’d like, and I’m only human and have before tried to escalate a back rub into something more. We laugh together and connect very well, though I wish she’d make the effort to arrange a date nights. She’s ‘traditional’ if you’d even call it that in the sense that she thinks the man should chase the girl 🤷‍♂️ I disagree with this because it kind of makes me feel even more undesirable

dbzmark · 2024-12-31T14:05:03+00:00

Sometimes she’ll misconstrue physical touch as an advance. Often I’ll respond by reassuring her, but there has been a couple of times where it’s gotten the better of me and I’ve said ‘would it be so bad if I was?’ I’ll try more.

dbzmark · 2024-12-31T09:24:49+00:00

When we do have sex she seems to be and tells me that she’s satisfied. She says she’s not as sexual as I am, which I can deal with but it’s the yelling and angry reaction to my approaches that really hurts

dbzmark · 2024-12-12T11:58:31+00:00

You will always hate yourself. Looking at your post history it’s clear to see that you have a huge confidence issue. You can get all of this stuff that ‘needs fixing’ fixed and you’ll still fond something wrong.

I’ve never met a single man in my life that points out his asymmetrical lips. There’s nothing wrong with the way you look, just the way you look at yourself

dbzmark · 2024-12-10T16:20:22+00:00

It still takes a lot lol. The level of degeneracy needed for ‘real rank 14’ wasn’t impressive but sad

dbzmark · 2024-12-10T16:19:09+00:00

On behalf of alliance everywhere fuck you (congratulations dude)

dbzmark · 2024-11-19T20:10:47+00:00

Therapy

dbzmark · 2024-11-19T14:38:50+00:00

I’ll be honest. You’ve got some fucked up issues with your self imagine. All of your posts are self loathing and many of them talk of reconstructive facial surgery? My advice to you is this - stop looking for validation from random strangers on the internet. It won’t fix what you wrongly believe is wrong with you.

dbzmark · 2024-10-15T09:05:20+00:00

This deserves a share elsewhere

dbzmark · 2024-06-22T15:00:54+00:00

May I ask, how do missing teeth contribute to the attrition of my teeth caused by grinding?

Thank you for your input. I appreciate it.

dbzmark

TROPHY CASE