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magicgirls debt free new life

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  • Sarahwithlove
    Sarahwithlove Posts: 3,322 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Who is it moving in? Can they not help towards the cost of the bills/rent? If they have finished their A levels what will they be doing next? 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • magicgal
    magicgal Posts: 47 Forumite
    Second Anniversary 10 Posts Name Dropper
    Who is it moving in? Can they not help towards the cost of the bills/rent? If they have finished their A levels what will they be doing next? 
    Hi Sarahwithlove,
    fair question. They will be looking for a a job as soon as they finish but being a jobseeker myself, I know how hard it can be and how long it can take. I have been offered two jobs recently back in January and still waiting for pre employment stuff to be completed. One of the individuals will be doing an unpaid/low wage internship. I know officially they are adults but I was homeless from the age of 17 and I know what a struggle life can be. All these young people had suffered a lot of trauma in their life which I have helped them through and they may not be related but I have always treated them as though they are my children. Can’t fault their efforts. They are all looking at options such as bar work etc that they can do in the evenings) on top of their main roles and I still want my daughter to consider uni which she won’t do if I can’t assist and she feels obligated to being working just to survive. My eldest will be back by then though and I guess a lot can change in a year anyway. I don’t even know what fund will be available for me or the children whether through work or benefits but the more I try and plan, the more stressed I get so for the next few months, I’d like to just ride the last of this wave...
    I am looking at all options and my work coach is trying to get the current deduction from my UC reinstated but I’m not sure if it would take me over the cap for my allowance as it is so may not make any difference. 

    Off to have some cuddles with the pup now and maybe a nice long walk to clear the head. It’s the first day in a while I’ve had some actual energy!! :)


    formerly “magicgirl”
    Proud to be Member of BSC #92
    Hoping to get debt free again 
    working hard to make my daughters proud 
  • magicgal
    magicgal Posts: 47 Forumite
    Second Anniversary 10 Posts Name Dropper
    So, last week, I was diagnosed with ADHD along with historical trauma. There’s a lot of things that make a lot of sense but it’s kinda scary trying new meds. On the plus side, the children are away this week so I’m able to spend some time trying to get used to them without needing to attend to them also. Funny how these things can be quite serendipitous. 
    Although it’s taking a while to get used to them (I’m only on day 3) I can see the principle behind how they might help and trying to work with it as much as possible. 

    formerly “magicgirl”
    Proud to be Member of BSC #92
    Hoping to get debt free again 
    working hard to make my daughters proud 
  • magicgal
    magicgal Posts: 47 Forumite
    Second Anniversary 10 Posts Name Dropper
    i have now started taking the slightly higher dose of my meds which was having some effect and not all of it good. i asked the doctors for a medical note to give myself a small reprieve while adjusting which they signed until 29 June. just a few days later, i received confirmation of employment from a job i was offered in January. i won’t be starting until at least 30th June on account of my medical note and needing this time but it’s offered me a moment of peAce. even if just for a short time 
    formerly “magicgirl”
    Proud to be Member of BSC #92
    Hoping to get debt free again 
    working hard to make my daughters proud 
  • magicgal
    magicgal Posts: 47 Forumite
    Second Anniversary 10 Posts Name Dropper
    So, I didn’t get in at all well with the meds so doc switched me to another that has been an almost immediate difference. So much so, I was happy to return to work when my sick note ended. Did three shifts and really got into the swing of things. Until my last shift when I was told my children’s lateral flow test had come up positive. 
    That’s ten days off work (at least) and no idea when I’d get paid. Couple of days later, I tested positive myself. Will be back at work around 10th July but prt of me is kicking myself for not waiting out the fit note. Part of me is stressed over the financial side. As I’m staying with my parents, I have no idea if my council will give me the support payment. As I’ve only just started work, I may not even be eligible but I applied anyway. Of course, it takes three working days and I am stuck over the weekend. My older kids both have it too despite being in different homes. My parents and I are all vaccinated. My older kids only just so not in effect yet. My cat just gave birth and isn’t quite recovered and need to find someone who can take to the vets for us if she needs to see them. 
    On the plus side, this sort of situation would normally send me over the edge but I am able to deal with a lot of these issues without feeling too overwhelmed. My bank details didn’t reach HR so will be paid in next pay run. Benefits don’t arrive til 12th. Got filming job to be paid also in ‘next pay run’ but no idea when that is so just hanging in there hoping for the best… 
    eldest will be home as soon as we are out of quarantine. Can’t wait to give them a huge cuddle. 
    formerly “magicgirl”
    Proud to be Member of BSC #92
    Hoping to get debt free again 
    working hard to make my daughters proud 
  • magicgal
    magicgal Posts: 47 Forumite
    Second Anniversary 10 Posts Name Dropper
    Well, good news. My filming job has been paid. My lfd are negative again. My council gave me the support payment today. AND My bank details have been updated on the employment records so with a bit of luck, I shall receive my missing wages tomorrow and my UC is due on Monday. My wages have already been reported to UC so I really hope to receive them soon. I am on BR code so will hope that gets sorted soon also. 
    My dd1 is back from uni tomorrow but I can’t see her for another 24 hours as I still have another 24 hours of isolation remaining. 
    I have used my time productively and completed my pip form, my health assessment for UC, my student finance, and I drafted a PCN challenge for my brother. So the last 48 hours have been surprisingly productive. 
    I have started to do some academic tests to find the level my younger children are working to with a view to getting them some tutorial sessions. I am giving myself til the summer to get everything on track and for the first time, I feel a cautious glimmer of hope. 
    formerly “magicgirl”
    Proud to be Member of BSC #92
    Hoping to get debt free again 
    working hard to make my daughters proud 
  • magicgal
    magicgal Posts: 47 Forumite
    Second Anniversary 10 Posts Name Dropper
    Wages were fine but my job ends on 9th September. 
    Might end up settling my claim for tribunal for pennies but I have so much to look forward to in my future ATM, I kinda want to get in with it. 
    My doctors have been the biggest let down and I don’t know if I want to even stay with them but is joe really the best time to leave? Who knows. 
    Had a lovely few days with the kids. Will worry about the work stuff once my time there is done 
    formerly “magicgirl”
    Proud to be Member of BSC #92
    Hoping to get debt free again 
    working hard to make my daughters proud 
  • As ever, a mix of good and bad. 
    Back at work. Programme extension meant I could stay in same sort of role. Unfortunately, the travel is kinda killing me. No trains from where I live that get me there on time. Normally I would walk to the station but after recent VAWG incidents, I feel like I should be a little more careful in the winter darkness so instead, I have to get an Uber to the next town, catch the 05:49 and a few changes means I can make it to work for 07:20 allowing my to be there in time for my 07:30 start. Five hours to get ready & get to/from work on top of a 12 hour day is exhausting. I have taken a week off and with shifts I’ve been given, I’ve ended up with twelve days off. This will allow me to catch up on coursework I’ve got to complete. 
    I honestly don’t know how I’m going to survive these next few years. I work anywhere between one and five days in a week. There is no set hours so I take what I get when I can. But to make enough to come off benefits, I would need to work 26 days doing 12 hour shifts. I had a breakdown working these sorts of hours a few years back. My MH is quite fragile ATM. 
    I’m the worlds worst mum according to my (younger) kids. My ex (who they see every two to four weeks) has kicked out his friend who was living in the spare room and made that into a bedroom for the kids. Something I can’t do because I displaced them to give my older children some space. My ex wanted me to join them this weekend because ‘can’t do much when the dogs here’ so basically, I was meant to look after the dog so he could have time with girls. As if I don’t have to juggle all that and more when I’m alone with them. Sigh! 
    I’m hoping to get out for a walk tonight because I could do with jo being cooped up but motivating myself to move is so hard. 
    Wish me luck!! 
    formerly “magicgirl”
    Proud to be Member of BSC #92
    Hoping to get debt free again 
    working hard to make my daughters proud 
  • Small reprieve. Have been offered a five day rota of eight hour days. Suddenly in demand but I have managed to work some crazy hours and still submit two assignments on time. This may change once my second module starts and overlaps the first. Only one where two assignments due at same time. 
    Suspect there may be no work in January given there is talk of lockdowns. More time to study perhaps? 
    Was hoping to spend time with dd2 as rest with their dad. Unfortunately, she just tested positive for covid and now has to isolate until Boxing Day. She’s not feeling great so hoping no issues. Hard not seeing her. Thankfully she is isolating with her bf so not alone like eldest was during her covid stint. Grateful for small mercies. 

    formerly “magicgirl”
    Proud to be Member of BSC #92
    Hoping to get debt free again 
    working hard to make my daughters proud 
  • Had a lovely Christmas with my mum and brother. 
    The whole day was calm and what we all needed. I limited spend on presents and still  managed to get something for everyone. 
    Hope this Christmas has been peaceful and happy for all 
    formerly “magicgirl”
    Proud to be Member of BSC #92
    Hoping to get debt free again 
    working hard to make my daughters proud 
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