It’s time to bring a dose of reality to this blog but not negativity.

Instead of battling and pleading with my creditors to give me more time to pay overdue balances. I’ve decided to let them take CCJs against me.

I’m definitely not going the bankruptcy route I decided to take in 2007.

That was a really bleak time and I was a lot weaker mentally back then.

All I’m concentrating on right now is keeping the roof over my head and food in the cupboard.

You may leave comments that I’m being irresponsible but hey your opinions won’t keep the roof over my head.

Until the next time


Richard xxx