I am sure that not one of us would say we were blameless in arriving at out present financial predicament. However, there are always mitigating circumstances. Bad decision making plays a part, but so do unforseen events and changes in personal circumstances beyond anyones control.
My personal story began with a brain haemorrhage in the middle of my nurse training, and I will hold my hand up and say that there were times when I felt so miserable that I bought something nice for my self.....mostly dinner.
What I object to is watching some upper class idiot telling the world how he racked up huge debts on wine, women and song only to write the whole lot off by going bankrupt.
The majority of us, I am sure, did not enter into bankruptsey lightly or without a sense of guilt and failure.
We should however, be proud that we have taken positive action to address our problems.
This forum is testement to the fact that financial woes can affect every class and income bracket, yet we all stand together and I think that's kinda cool!
A big thank you to everyone who has helped and supported me through the process.