Bad run of luck?

LegacyUser

Things for me recently have been pretty bad. Had a good Christmas. Things were going well, and I was financially on my way up. Not rich, but I managed through financial rearranging to turn my back account around so I'd started saving a bit. So I made it a good Christmas after a long year. I thought 2011 was going to start off well and I'd make it a good, fun, productive year. And then January hit. Half-way through January, I was given my one month notice. This, after being told by the company I was working for that work was secure for at least two years.

That was hit number one. Then I found out that the other companies in my industry in Ireland (it's a small, specialized career I've chosen) all finished hiring in November. The earliest possible recruitment drive will be May. I thought 'I can probably survive until then, but it'll be touch and go.'

And then last night, my flatmate told me they were moving out in a few weeks, leaving me to look after my mortgage by myself. I know I cant survive with that financial burden.

So right now, I feel pretty damn low. Due to family commitments, I cant emigrate. Besides, I have the mortgage to worry about. I know my situation isn't as bad as some peoples'. I know I'm one of the lucky ones not to be actually on the breadline. But right now I feel so alone. My friends are caught up with their own problems, and I wouldn't want to burden them with mine. But there are times I wake up in the middle of the night, cannot get back to sleep, and only have myself and the darkness to talk to. It's very lonely.

I would never consider doing anything silly or anything like that. I do have a future I want to see, and things I want to achieve. But right now, I just feel very alone.

LegacyUser

HI, i opened a business just before the reseccion hit and have been through the mill basically for the last three years, things where so hard and i would often lay awake all night in complete panic and fear, i became so exhausted thinking how bad it could get that i forgot how good it could get, the point is that things will be better, have a plan and dont give up on it and remember your health whether mental or physical is your number one priority, stay active and stay fit and above all else stay positive for one thing i know is that usually things end up being ok and if you think your going to have trouble paying mortgages etc then go in and meet and discuss with relavent people and they will be open to restructuring as they believe prevention is better than cure, they wont be open to you if you get into arrears. chin up and the best of luck.

kerryman12

Hi Op

That is a rough few months in fairness. I can easily see how all the negative news would get ontop of you, but if you do have someone to talk to about stuff that would be a good start I think.

know is that usually things end up being ok and if you think your going to have trouble paying mortgages etc then go in and meet and discuss with relavent people and they will be open to restructuring as they believe prevention is better than cure, they wont be open to you if you get into arrears. chin up and the best of luck.

I think that is a very important point, hopefully it wont come to a point where you have to go and talk to then, but dont allow yourself to get into a situation where it goes to far. Start doing some ground work now so if the worst does happen then you already have the outline of a plan in place.

First thing is get your place up on daft. I did that and was very lucky I got someone in within a month.

Good practical advice, do a bit of research on what rents in your area are like, consider being a bit flexiable if you feel you need to - better to be getting something in thatn nothing.


But stay active, find stuff to do - too much free time around the house isnt a good thing in my experiance.

With any luck this will only be for a few months and then you will be back in the saddle again.

Best of luck.

LegacyUser

Hey, thank you very much for the replies.

I do keep myself as busy as I can. Despite not having a job, I do have work to do. It's unpaid, but it keeps me busy. Such is the nature of an artistic career. I refuse to let myself sit around all day, so I get up at the time I'd get up at if I were working, and still maintain somewhat of the routine I had before.

And I still keep as fit as I can.

So I'm never bored. Just sometimes worried and with nobody to say it to. But this has helped, and I am grateful for the advice. I shall take it on board and keep the chin up!

Thanks again.