New dfw - advice

amberowl28

So depressed:(

I have no money except for a few pounds in purse. Only money coming in will be a small amount of JSA (first payment £20? as one week - 3 days and repayment for crisis loan). Which will likely go into overdrawn account so i'll never see it - they've assured me today any other payments will go into new Lloyds TSB account. Next JSA payment won't be for two weeks, unlikely to see LHA before then either. Bills would have been nearly £900 this week alone.

Because of this i have decided i have to move out, even if it means kipping on friends/parents sofa's and my landlady has agreed, though she want's months notice and payment. She has agreed to use my depost as the £350 (as long as house is in good condition) that i should have paid her on May 20th for June's rent and i'm moving out on July 20th. Need to find additional £350 for July's rent payable before i leave.

Electric and gas are currently up to date and paid monthly, just need to send off final meter reading. Be an additional £15 till move out.

Water bill - due to pay £77 this week. Total bill of £160 from 1st April 2009 to 31st March 2010? Hopefully will send me a new bill, which i will have a little time to pay and be alot less?

Other bill i'm worried about is council tax - I owe £232.98 - 3 months April, May and June. Got a letter in May saying i owed £156.98, i went to council, they said not to worry put in a claim for benefit, which i did. Only to recieve a final demand for full £764,98 at beginning of June. Have now put a hold on it until claim is sorted.

Also have food, phone, credit card payments etc, plus costs associated with jobhunting. Really have cut out all non essentials - only possible further saving is internet and phone but these are essential for jobhunting so really can't cut them out - would be more expensive to use lib to print cv's etc and use comps to look for jobs.

Reckon in total need to find £600 to have a clean slate, of sorts. will still have overdraft and credit card to pay off but hopefully will be able to live off JSA and make minimal repayments until i get a job. Question is am i doing the right thing? Seems impossible to even find that much (unless a miracle happens and frantic jobhunting pays off tom). Stuck between a rock and a hard place.

amberowl28

Sorry to bump this and sorry it's so long. Would really appreciate any insight or advice, thank you.

gettingbetter

hi amber

can you post your SOA (statement of affairs)
then the experts will be along and will be able to see what is going on

www.makesenseofcards.com/soacalc.html

good luck
your in the right place

kas xx

Horace

You need somewhere permanent to live and kipping on mates floors won't help as you could be considered to be homeless. Maybe if you posted your SOA that will help us give more advice https://www.makesenseofcards.com/soacalc.html and follow the instructions for MSE so that you can copy and paste it here.

As you are on JSA have you applied for Housing Benefit as that can help towards your rent and when you get that you get Council Tax Benefit too (waiting for the council to sort that out, takes an absolute age).

It is possible to live off JSA and pay all bills - you have to be careful with your money and live fairly frugally but it can be done. I lived on JSA from August 07 to April 09 so I know it can be done.

amberowl28

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household.........
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 441
Other income............................ 0
Total monthly income.................... 441
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 350
Management charge (leasehold property).. 0
Council tax............................. 78
Electricity............................. 10
Gas..................................... 5
Oil..................................... 0
Water rates............................. 13.33
Telephone (land line)................... 0
Mobile phone............................ 16.16
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 28.75
Groceries etc. ......................... 50
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 551.24

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Halifax credit card............915.57....0.........0
Nationwide overdraft...........618.55....0.........0
Rent...........................350.......0.........0
Council tax....................232.98....0.........0
Total unsecured debts..........2117.1....0.........-

Monthly Budget Summary
Total monthly income.................... 441
Expenses (including HP & secured debts). 551.24
Available for debt repayments........... -110.24
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -110.24
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -2,117.1
Net Assets.............................. -2,117.1
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

gettingbetter

amberowl28 wrote: »

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household.........
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 441
Other income............................ 0
Total monthly income.................... 441
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 350

---

you should be able to get housing benefit
Management charge (leasehold property).. 0
Council tax............................. 78

---

is this over 10 months you should be able to get help with ct benefit and you can ask to pay over 12 months
Electricity............................. 10
Gas..................................... 5
Oil..................................... 0
Water rates............................. 13.33
Telephone (land line)................... 0
Mobile phone............................ 16.16
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 28.75

---

shop around i pay less than this with aol
Groceries etc. ......................... 50
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 551.24

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Halifax credit card............915.57....0.........0
Nationwide overdraft...........618.55....0.........0
Rent...........................350.......0.........0
Council tax....................232.98....0.........0
Total unsecured debts..........2117.1....0.........-

Monthly Budget Summary
Total monthly income.................... 441
Expenses (including HP & secured debts). 551.24
Available for debt repayments........... -110.24
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -110.24
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -2,117.1
Net Assets.............................. -2,117.1
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

hi

i am no expert
just few pointers
hope you dont mind

kas xx

amberowl28

My SOA above as requested. Yes i've applied for HB/council tax benefit which is still in the process of going through. Trouble is with rent at £80 a week and HB at £50.95 a week really isn't possible unless i find somewhere much cheaper to live. Would use up most of JSA, also £50.95 on rent. I really don't want to leave but can't see i have a choice? No deposit for new cheaper place even after i've paid off current place.

amberowl28

Yes will get new internet connection if poss or cancel, current contract ends this month.

gettingbetter

for internet
join quidco and shop around for the best deal and get cash back
who do you rent from
can you possibly see them and explain your circs
and tell them you are appling for benefit
maybe they will give you some leeway

kas xx

tallyhoh

Should I be saying this??, as your internet contract is ending this month & you have no money can you even be thinking of renewing??

amberowl28

tallyhoh wrote: »

Should I be saying this??, as your internet contract is ending this month & you have no money can you even be thinking of renewing??

That's why said if poss, haven't cancelled up to now as been under contract and useful for job hunting (cheaper and more convenient that using lib at £2 an hour). Obv i would need credit check to get new better deal so poss of renewing seems highly unlikely, even if i had the money. Your right of course that basic bills come first.