struggling to survive

mumzyof2 · 23 February 2008 at 2:56PM

Im struggling to manage how much i need to live off...i have only just managed my rent this month (due 8th) but that i wont have any money for food and i dont think i can pay my bills and debts. can anyone help?

mumzyof2 · 23 February 2008 at 3:01PM

I would like to also do a debt diary on here too maybe i could use this thread to do one...i also want to post how much i spend each day and how much i have paid out each day/week. I think that would help me if i shared it with someone...what do you think?

denerobt · 23 February 2008 at 3:05PM

Hi Mumzyof2

welcome and yes, setting out your Statement Of Affairs is a good idea to start with then a budget plan.

I applaud you though for getting on the climb out of debt :beer:

Any help available from your family this month?

No doubt whatsoever that in the next couple of hours there will be tonnes more support and advice.
you seem to be a brill mum as you are tackling money head on and not just pretending to your kids that it all comes on a plate - Yeah good on you!!!

poorandindenial · 23 February 2008 at 3:08PM

Hi Mumzyof2

I think that sounds like a great idea, it is also worth posting on here things you are planning on spending money on (whether groceries or other things) and people might be able to help you to get them cheaper or suggest cheaper alternatives. Do you currently do anthing to up your income?? Free bingo etc?? Hypno and others have made quite a bit on the free bingo sites.

I hope that things start to get a bit better for you soon. Fingers crossed for you.

Purple_Sparkles · 23 February 2008 at 3:14PM

Hi Mumzyof2,

Sorry I don't have words of wisdom or advice, but I can understand how you feel, I've been there myself.

I wish you well on sorting yourself out and the support you will get from everyone here will certainly help you on your way.

Keeping_Positive · 23 February 2008 at 3:15PM

Hello

I think posting on here will help. It should stop things going around in your head when actually written down. If you get the chance to do a SOA then peeps will have a chance to advise/recommend stuff.

Second poorandindenial, that I hope things improve for you soon xx.

mumzyof2 · 23 February 2008 at 3:20PM

ok this is it..Ive done this before but my circumstances have changed

Income -
Income support - £59.15 a week
Child tax - £76.16 a week
Child Benifit - £120.80 every 4 weeks
Housing Benifit - £380.60 every 4 weeks

My rent is £575.00 so i £380.60 HB and £120.80 Child Benifit always goes to my rent. The remaining money has to come from my Child Tax or Income Support.

Gas - £25 a month (D/D 15th march)
Elec - £25 a month (SAME)
INsurance - £11.27 a month (d/d 28th feb)
Tv Licence £35 every 3 months (due 1st april)
Water i have not set up yet due to my circumstances have just changed
Tv,phone and net - £50 (plus phone calls so around £130 a month but im utting down and not using phone as my last bill was £209!)
Mobile Contract - £35 (only just got it)

Debts - ( i dont know eactly how much they are exactly but its near the fugure i put)
Next - £330 Min payment is around £30 a month
Capital one - £480 Min paymnt around £23 a month
Provident - I pay £10 a week
Littlewoods - £198 Min payment about 30 a month
Park hampers - £5.41 D/D 25th feb, and every week untill 26th Nov (will have £200 for xmas then)
Food - About £200-300 a month. I tried the grocery challenge but i cant do it, but iam living out of my cupboards at mo which im likeing

Thats about it to be honest, I have a 700 social loan. which when i come off incomes upport i stopped paying, but they recently wrote to me again as im back on income support, but i will be paying £7 a week again but i wont see that as it will come straight from my income support money b4 it reaches my account

Sassamac · 23 February 2008 at 3:26PM

Hi Mumzy,
I agree a SOA would be a good start to see if anyone can help, otherwise theres little we can offer in practiacl help.
If its any consolation were in a similar situation as were going more and more OD each month by meeting all the minimum payments, bills etc.
Whats your work / life balance? Can up your income? Are you getting the right benefits? This was crucial for us as we realised we weren't getting all the tax credits we were due.
I noticed the Jan groc challenge in your sig, what about Feb? Also the 4k challenge, so presumably your keeping track of all your spending which is a great start.

Sassamac · 23 February 2008 at 3:26PM

ooh you beat me to the SOA, serves me right for getting up to check on dinner mid post!

mumzyof2 · 23 February 2008 at 3:28PM

Hi again sassamac i have not been on here for what seems like months...i have had some probs and a change in circumstances..so thats why my sig isnt updated. I just seem to fail with everything

Sassamac · 23 February 2008 at 3:30PM

what are the APR's of all your debts. Its worth having a thorough go through all the paperwork to make sure you know exactly whats what as it gives you a plan of action.

The thing that really stands out is the tv, phone, internet package. Thats a lot of money just for the package without all the calls on top too.

struggling to survive

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