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Serious debt problems - please help me!
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ESA is employment and support allowance, it's replacing IB from October. It's much harder to claim than IB and has two strands - one for severely disabled people is the support strand, the other strand aims to get people into work as quickly as possible, paying private sector firms to do this. In a nutshell that's it!Unless I say otherwise 'you' means the general you not you specifically.0
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Dack
It's worth looking into a water meter. I had mine fitted free last year. I was paying £28pm then it went down to £12pm as soon as I had the meter fitted, and that was useage for just me and ex OH. Now I'm on my own, it's gone down to £10pm. It also makes you more aware of the water you use - like making sure you don't leave taps running, load up washing machine and use once a week, etcDebt 30k in 2008.:eek::o Cleared all my debt in 2013 and loving being debt free
Mortgage free since 20140 -
Chilli_dog: I will call them, thanks for the info
Ames: Again, thanks for the good advice, will look into it
Deep in Debt: Will definately check out a meter, sounds like good potential for saving
Dack0 -
I've posted a message on a forum I'm on to see if you can reapply for IB, hopefully there'll be a reply soon.Unless I say otherwise 'you' means the general you not you specifically.0
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Will build on this as I go along
Tasks done so far....
Water Meter - Called Welsh water and they are sending out appropriate forms. They said upto 3 months for installation. They also estimated savings of £28 a year but think with some economising it could be better. BTW, I forgot to mention the monthly amount for water is based on payment over ten months only.
Mobile phone - As I said previously my contract runs for another 2 months (2nd Nov). I don't think I can simply stop paying and break the contract because I had a 'FreeGift' with the phone which they would charge me for. I negotiated a drop to £20 per month but I think this will only kick in for the final month *sigh*. I have a few quid stuffed in my mattress so will set some aside for the final mobile payments and consider it ended.
2 down, many to go...
Watch this space....
Dack0 -
At the end of the day you can only make 'token' payments to your creditors of £1 per month as thats all you can afford.
Do u have equity in your house?I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.0 -
Was wondering if bankrupcy might be an option but with that amount of equity not.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.0
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