Re: Health anxiety turning into money anxiety
Originally Posted by
DaisyFay
My health anxiety has disappeared and I am now obsessed that the bank will see this and take my mortgage away. I’ve never missed a payment but I’m terrified they Will see the credit card debt racked up in a short space of time and decide I’m awful with money so pull the mortgage.
Your HA hasn't disappeared, it's just that your anxiety over money is overriding it at the moment.
The only reason the bank would repossess your house of if you don't pay your mortgage - and even then there is lenience if you speak to them as soon as you know there is a problem - but as far as I can see, this doesn't apply to you.
As far as I know, having credit card debt (who doesn't these days) shouldn't affect your mortgage. Why should it if you make the payments?
If you've never missed a mortgage payment, and you pay your bills on time, you can't possibly be as awful with money as you think...
You need to rationalise this.
You've taken positive steps with the credit card (good) so now you need to focus on bringing the debt down and now you're not spending anything on them, that will be easier. Try and pay more than the minimum payment if you can - and it will eventually come down. Maybe make a direct debit so that this happens automatically and you can stop thinking about it?
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A thought is harmless unless we believe it.