My Soa Not Pretty Reading!

System

RAS wrote: »

So you could get booted off your DMP any time?

And you only get paid 85% of the childcare costs, so you have to find an extra £40 per month to cover the deficit.

How much and hour do you pay? Are any of the kids over 3 years old and how many hours does OH work?

Yes we could get booted, but what do you do?

Don't know, The missus pays £45 every week, and yes she puts some towards it.

Only 1 child stays, and my OH works 16 hours per week

TurnaroundSue

nirelandguy wrote: »

I'd like to believe that, I'm 29 now, its been a struggle since I left school at 16, I some how can't see it getting any easier unless I win the lottery

Without seeming to be too critical, you have highlighted the part when I try and give you a hopeful comment, yet you haven't responded to any questions I pose, ie, a second job, starting a spending diary etc etc. You ask for help, but do not appear to be listening to any response given.

Sorry if this sounds harsh, and I dont want to come across as that or patronising coz that is not my intention, but is there anyway any of the ideas myself or others have mentioned could be put into force?

RAS

nirelandguy wrote: »

Yes we could get booted, but what do you do?

Don't know, The missus pays £45 every week, and yes she puts some towards it.

Only 1 child stays, and my OH works 16 hours per week

How many hours a week does the little one stay with the child minder/

How old is the child?

System

I don't mean to be rude but as for a spending diary, we don't need one, take today just as a random day, we have spent nothing at all, Infact I have to get a work mate to go out of the way to collect me in the morning as we have ran out of diesel. We have no luxuries like say take aways, alcohol or anything, the odd time we would maybe get a take away and few beers from the off lisence but thats only happens maybe once every other month.

As for a second job, I am trying to get a PC repair business of the ground, I'm in the process of doing a website and making flyers just for some pocket money for now, we can't do much more as the tax credits take it off you.

System

RAS wrote: »

How many hours a week does the little one stay with the child minder/

How old is the child?

She is 1, She stays 16 hours a week when OH is at work,

RAS

is there any way you could fix it so that OH worked at least part of the time when you were at home to child mind?

RAS

nirelandguy wrote: »

I don't mean to be rude but as for a spending diary, we don't need one, take today just as a random day, we have spent nothing at all, Infact I have to get a work mate to go out of the way to collect me in the morning as we have ran out of diesel. We have no luxuries like say take aways, alcohol or anything, the odd time we would maybe get a take away and few beers from the off lisence but thats only happens maybe once every other month..

Sell the S--ding car. It is huge mill stone round you neck and you could probably repay much of the debt from the proceeds. Then get a banger possibly.

How far is it to work?

System

RAS wrote: »

is there any way you could fix it so that OH worked at least part of the time when you were at home to child mind?

Child minders generally have a contract which this one does, doesn't matter if the child doesn't go the child minder will still need the same money.

Problem I have always had when posting my SOA on here is, with me its usually a last resort, I;ve already done all the obvious I,E reducing food bills etc

RAS

You have not done the obvious which is to get rid of the most expensive item in your budget after rent.

Fire_Fox

nirelandguy wrote: »

The car is actually paid for, the £110 is going to the family member who let us pay it off, It was £210

But what do you do in an emergency? Would payplan lend me money to get our car fixed? I doubt it. Yes we could get booted, but what do you do?

Taking out credit that you could not afford to pay back resulted in you requiring a Debt Management Plan. Taking out more credit that you cannot afford is not solving the underlying issue, it's creating more stresses for you. You must start living within your means or you will be in even more debt at 39 than 29.

Christmas is not an emergency - especially at £550 - and the car (£3000 a year!) is not paid for, you have just transferred the debt from one place to another. Do you really need to run a car? Is it not possible to car share or use public transport or cycle in, do you live in a remote village? Why do you have three telephones for two people? Can you and your partner work different hours to one another so you don't need to pay childcare?