Thanks again Rick.
I do appreciate what you are saying its just that I feel as though ive reached rock bottom cos im lacking confidence.
I feel as though things will never get better simply because of how I feel and Im finding it a real challenge to think positive when all I think about is the mess Ive created.

Thanks for your quick response Rick.
What I am saying is that if I was to sell everything that I own(including my own home)I would be approximately 200,000 dollars in debt through misuse of credit cards. I have used all the equity that I had in my own home.
I have 100,000 tied up in a property that is neutrally geared so if I sell it would make no…[Read more]