Something not very fetishy...

I've been swept into this mortgage crisis that's been in the news lately. Nationwide Home Loan declared bankruptcy today.

I foolishly refinanced using an ARM 5 years ago, and now it's going to readjust every 6 months unless I can refinance to a fixed rate sometime soon.

Now this wouldn't be so bad except right now I've only just started my own business and I don't have any proof of income, so the banks are charging me an arm and a leg in interest payments.

Trying to get a decent mortgage rate is pure hell when you're in this situation! No wonder my daddy told me to keep my "regular" job instead...

I should have listened to you Dad! I should have paid down that balance while I had a low rate! I shouldn't have spent so much of my credit on this stupid business! And my girlfriend and I both want to get married and have kids within the next year too.

I'm so sorry to my sister for spending part of her inheritance, I'm sorry to my Dad for spending the money he's giving me, I'm sorry to everybody right now.

Okay, time to stop feeling sorry for myself, and get on with trying to find a decent loan.

Maybe one day, I'll get back to working on the plastic CB...