when you have no contract and no income coming in some phone calls can seem highly entertaining especially when your working with minus numbers - but on the flipside those doors for agreements that never existed before when you had money soon swing open.   if i had some of these agreements now available to me when i have little money coming in would i be in the situation i’m in now? - i think not.   I recently was allowed to switch to interest only payments on my mortgage, if that facility was allowed to me six months back i could have paid off my credit card and never used it again.   lessons learnt.   my shockingly bad with money.  lessons to learn.  keep it simple, do it quickly and keep motivated.  that is my new daily karma, well that and walking.