Hi Kathryn
I am going to ask you a straight question - what do YOU think it is? (You must have an inkling what you think it is if you started to panic.)

beadbabe

Hi

In response to Beadbabe, I can't honestly tell you, it hurt alot, and I was just worried that if it didn't stop I wouldn't have been able to drive home.  I think thats what paniced me that I had to do a A12 journey home, I just wanted to be home and I didn't want to be ill in front of everyone at work.  The pain itself felt like wind but I didn't like the fact that I couldn't breathe in properly because it hurt, (sharp stabbing pain), I've had my ECG results back and they were fine so I was more worried about my lungs to be honest.  I did alot of deep breaths after and that helped.
My posts to you have not been in a detrimental way at all, and hope you haven't taken them in such a way, I have been where you are maybe not as many ectopics and I am trying to help you, as I know what has helped me, it's up to you if you listen and like I said it's not meant in a funny way.

Thanks RLR

I know and I did go to work, I told myself to stop being so silly and went,  it's just been a rough month, my step father in law had a heart attack, my sister in law has found out she has cancer and on top of all that, me and my husband are working all the time and getting no where fast, so my logical thinking is starting to where very thin.  

Hope you are well.

Thanks for your reply I appreciate the support.

Kath x

Okay. I'm certainly sorry to hear that your relatives are experiencing difficult times. I do want you to re-read your posting though, because it smacks of the glass-half-empty point of view.

In my opinion, you've made leaps and bounds with your problem and are now working out in public and making your way, doing just fine! Just imagine if you and your husband weren't both working. It would be far worse. Life is 1% experience and 99% attitude.

Your heart will always be fine, Kathryn and it should become the least of your worries. I can assure you that nothing bad is going to happen to you because you are experiencing these symptoms. You always expect the worst in things.

You'll be fine.

Best regards and Good Health

Okay, Kathryn. I can certainly sympathize with your position and although the topic of finance is a bit off course from the normal discussions here, it is obviously a source of anxiety for you so we'll make it fair game.

I will share with you here that basic financial solvency is purely a formula. If you acknowledge and abide by the formula, it pays dividends and if you violate it, the consequences can be dire indeed. Let's talk for a few minutes about the big world of finance and credit and how the machinery functions because I want to demonstrate to you how world finance sees the average person and methods used to bring you into what is nothing less than endentured servitude (if you're not familiar with that term, the word "slave" will do just as well here).

The average working individual is caressed by the economy through the media and social incentives to "buy into" a life that they feel is deserving and rewarding. It's influences are so widespread that a person senses it as second nature because it's what they've known and been exposed to most of their life. It's about nice flats, nice cars, sharp clothes, good schools, technological conveniences, and so on. The market is actually established in such a framework that the average-wage worker ends up spending at or beyond their income in order to merely achieve the basic comforts like those around them. The calculations for what the world economy strives to achieve is simple; It provides a number of enticing avenues for folks to achieve these comforts, but unwittingly find that their finances are transformed from cash on hand to credit worthiness. In short, it becomes a function of driving credit establishment to the closest calculated point that the average working person can achieve, ultimately such that a person will work simply to make payments on a lifestyle several leagues beyond actual cash potential. In essence, persons are induced to achieve this status and it's made to appear harmless as long as you continue to make timely payments. The reward for such good behavior is the constant reminder that "good" credit is important above all else. In addition, the doorway to credit is nudged open even a little farther in the hopes that the intoxicating effects of credit power will drive people to seek better wages in order to further extend their credit and all that it can supposedly bring them.

What happens in many cases is that persons subjected to such a lifestyle find that the least unexpected occurance can send them plummeting months behind in their ability to maintain payments. The global credit market responds by charging enormous penalties and late fees for such behavior, at which point you either sink or swim. But be aware that the credit world rarely looses in cases where a person sinks and defaults. They have made high credit points during the time you were able to pay and subsequently have numerous avenues for selling the accounts, even showing them as bad debts in order to gain tax write-offs. It's all about numbers and when it's all said and done, there's only one entity profiting enormously from both situations. The average person living in the credit world actually has a constant negative balance to their name. They are paying to borrow what they've been trained to believe is a better life. It is designed to keep you where you are at because you and millions of other people are generating absolutely huge profits for others by accepting offers to live in such a fashion.  

Now I'm not saying that you necessarily fit into that category, but if it sounds even vaguely familiar, then you need to step back and look at how these influences may be playing a role in your financial lives. In other words, you must logically evaluate what true cash assets you and your husband have to work with and establish a financial plan around those funds. Here's an example; If you can't afford to purchase a new car outright, then seek a used car for the best money value that you can afford and own it outright. The automotive industry is near the top of the list, together with the revolving credit industry, in pushing car owners to trade cars regularly and make it appealing to do so. They prey upon the impulsivity of people in general in wanting a "new" car and the sensations that go along with it. People are influenced such that vehicles no longer serve the function of getting their owners from one place to the next to take care of daily life chores, but rather that their car becomes part of their identity. They "love" their new cars. They wax them, they caress them, they house them all as if it were somehow animate rather than just a car. Life is just not enjoyable unless you can ride around in the latest comforts to the extent you can buy on credit. See what I'm "driving" at here?

Revolving credit is quite similar. Why wait when you can have it now? Again, preying upon impulsivity of the average person who is made to feel that they are always a step behind the times, constantly encouraged through mass advertising to hurry and catch up with everyone around you.

It makes prisoners of people and there's no sympathy involved here. It's purely about seeking and gaining the absolute highest portion of the average worker's wages to keep them in the loop. It's an illusion for the working class, a reality for world finance.

Think about this for a bit and we'll talk more.

Best regards and Good Health

Hi thanks

Thats very good advice, I do not think life is what I am subjected to, well not anymore and although I like nice things and have expensive taste, I do not purchase those things, we are selling our car to pay things off and we are buying a car very much below the standard of the one we have now, and it won't be a new one.  We have in the past been in a position of getting credit and refuse to get anymore, thats why my husband works so much, but past situations have had us panicking and feeling we have no choice, (when perhaps we have) in a few years we will sell our house and use some of the equity to pay off any loans we may have, but the average 3 bedroom house proce here is £220,000 so it's then a decision of do we sell and pay off but actually end up paying more than we are now just to have another house, or do we move elsewhere in the country and we're talking quite a distance from where I am now to get a mortgage at a sensilble price, which would mean moving away from all of my family and friends!
Me and my husband would love to run our own business and have land or property paying for itself not the other way round, but then there is only so much we can do, its down to banks and finances once again!  

It is very tempting to get credit, but we have learnt our lesson, and are tryiing to make things better.  Your advice was good and very true, I hadn't ever thought of it that way.   I remember you writing something about life is what you make it not the other way round and thats what prompted me to get a grip and go to work, although it's not easy with trying to sort out 3 children as well, but so far I'm doing it.  

Thanks for taking the time out to write that.

Kath x

Hi

It's possitive for me to hear that others have freed themselves from this, as when we have paid off everything we will not let ourselves be conned in that way again.

Thanks David

Kath x

Hi

No not taken as critizism at all, I perhaps didn't explain myself properly, but we wouldn't expect to buy a property or land and then just sit back and expect it to start earning us money, what I was trying to say is me and my husband have a lot of ambition and considering my hubby already does 17 hours at least 4 days a week and he only has a Sunday off, he'd rather be putting those hours in and earning himself a decent living not him earning someone else the money, so what we're saying is instead of buying a house and working for someone else to pay for it, we'd rather work from home or if theres land aswell use that do earn us money to.  Not to be part of this working earning someone else the money!  Perhaps thats less stressful, but it depends on what you thrive on, but what a achievement to have a running business that you can pass down if the children want it or sell it and go onto something else.

I can honestly say I've never wanted to be rich, I have always just wanted to be comfortable, so my hubby would ideally be doing 1 job and be home in the evenings and I'd be working and if we fancied taking the kids to the zoo at £50 a go a couple of times a year we can or to be able to afford for them to have swimming lessons etc..

Thanks for the advice

Kath x