Cady's get out of debt diary

Verbatim

Oh Cady you are having a tough time.

You can get some tax credits if you don't have children. Also would you qualify for council tax benefit? it might be worth consulting citizens advice or a disability rights organization to check what your rights at work and benefit entitlement might be.

Verbatim

Or could you do without the car? They're sooooo expensive. Also you said you have a spare room, could you rent it to a lodger, even a Mon pm - Fri am would help.

cady

hi thanks for the replys Verbatim & black taxi

were both under 25 so dont qualify for working tax or anything like that, the spare room is sooo tiny its like a box room so dont think it would rent out really, the sky is due out of contract in nov so im gonna ring them in oct to "put my 30 days notice in" and see what they offer we dont go out and its the only thing we spend on really so would hate to get rid of it but might have to. I dunno who i can talk to about work tho, ive looked and cant find a number for CAB so i think id have to go down and see them but would like to talk to someone on the phone too and see what my options are i dont think we would get any financial help at all and im worried im gonna loose my job and house because of all this what we worked so hard to get here.

Sorry to rant but i keep thinking once ive hit rock bottom the only way is up and i start to pick myself up again and then realise im not at rock bottom at all and something else has happend to sink me further.

Cady x

cady

oooh forgot about the car ..... i need it for work but if i have to get a different job if i can get one closer or on a good public transport route it will go bollmin typical i will do after ive paid all that money to fix it x

Lula-Hula

Hi Cady,

only just caught your thread & gosh you're having wave after wave of grim stuff at the moment so have a big dodgy :grouphug: for now until I can come up with something more useful.

I was going to say about tax credits too ( I'd have gone under a long time ago without them) but just heard on radio you have to be over 25. Seems very unfair to me when you're both working, & other peeps just sit & collect but dont give up sweetie, things will come good again, there will be a breakthrough. Cars are a pain, but I understand about having to use cc to pay for it...I recently had to do the same .

Anyway, chin up, that's a fab meal plan you've done, makes me feel hungry, I struggle deciding what to eat on the day so very impressed with yours.

Do you have anything to ebay or carboot ?

lula x

cady

Hi Lula,

Thanks for the reply im just so down at the min, the car was just the last straw i dont know what to do about so mny things its just too much at once we are trying to have a baby and after the miscarrage in aug i want one now more than ever but how can we afford it and how unfair would it be to bring a child into all this mess??? my wage is so low it practically min wage and my partner is on a better wage but not much i cant change my job but i have to im gonna sit and make a list of things i need to sort out and deal with it like that.

Just got charged but the bank for going £1.52 over my OD how annoying is that i could kick my self!!!

I dont have anything to ebay or boot sale - we only moved in in november so all our stuff was cleared then, Thanks about the meal plan we had chilli last night it was lush!!!!

Lula-Hula

Hey sweetie,

glad the chilli was lush, we had beans on toast :rolleyes: - very DFW , have you tried signing up to some of the survey sites ?

take care

lula x

cady

i think its gonna be beans on toast from now on for us lol my pea n ham soup is coming along nicely tho for tonights tea, im on pure profile but they dont really do that many ive made nearly £8 and i do pigs back clicks and have just started quidco we got a love file free trial through them have ordered 2 films and will send them back before the trial ends and cancel and i will get £15 through quidco which is good im in a lot better mood now went to lidl for some bits and got me n boyf a choc muffin as a treat as the were on special offer and my mam called after hearing about my car costs and is coming round with some freezer stuff she bought in a knock off freezer shop (the ones that buy asda tesco stuff in bulk n freeze them) that she claims wont fit in her freezer but i know she is just making sure we have stuff in bless her !!!

Verbatim

Ah glad your mum's taking care of you Cady. Bu**er the car eh?

You sound very resourceful and I'm sure you'll find a way through. Is there a college or learn direct near you so you could get a new qualification to help with better paid jobs?

Good luck with the baby.

cady

Hi i know its silly and ill prob never be able to do it but ive been thinking about how maybe this is a sign to change my job and get a career.... id quite like to be a nurse but i have no idea how... i have no qualifications because of all the debt and stuff i must work full time i just dont see how this is possible to do all the college courses would cost me as id be working and its money we dont have atm i might ring the jobcentre and make an appointment to see omeone and see if they can help other than that i dont know what id do i might apply at my local asda for a job as the money is good (better than im on now TBH and its 24 hours so i could do some shifts) its a bit of change from working in a call centre but i cant really do that now can i