New dfw - advice

kissjenn

Hi,

Not sure where you are in UK or how old you are but a 25 year old in this part of Scotland qualifies for Local Housing Allowance of up to £499.98 per month. I know it's lower if you're under 25 without dependents but not to the tune of £300 less.

As you're paying council tax I assume you're in a flat and not sharing. Is there an option to take in a lodger even for a short period. Rent a room scheme allows you to make up of £4000 plus per year which you don't have to declare for tax.

Based on the SOA you posted even worse case scenario they give you £200 per month HB that still gives you approx £100 per month to put towards your debts. That's with a roof over your head. Would that buy you a breathing space until you find a job?

Hope some of this helps.

amberowl28

I'm 23 so as i understand it only eligible for -

JSA (contributions based) - £50.95 per week until December when goes onto income based.

Council tax - don't have to pay if earning nothing getting JSA and local housing benefit/allowance. Awaiting decision.

Housing benefit/local housing allowance at under 25 shared room rate which in my area is £50.95 a week. Awaiting decision.

This gives me an income of approx £441 per month. This would give me less than £100 after rent per month.

- Approx £25 for utilites gas £5, water £13.33 and electric £5
- Say £40 for food etc
- Min payments currently £30

This isn't possible!

One bed place so having someone move in not really a possibility, single at mo, even if landlady agreed.

amberowl28

Correction applicible lha rate is £57.69 per week, so slightly better. Giving me £249.99 a month plus £220.78 jsa. Total income £470.77, which is more managable. Still original problem of bills due and no way to pay though. Just wanna say thanks for all the suggestions and advice so far. Think i could work a managable budget if i wasn't waiting on any actual money coming in and current no cash crisis. Think am gonna have to move out, don't see anyway round it as will be forced to any way as behind with no way to catch up.

gettingbetter

just a thought amber

why not forget about your student loans just now
i thought they were repaid when you were earning a certain amount
forgive me if i am wrong

it might help you stay focused if you knock SL off your sig just now
and concentrate on the debts you have to pay just now

kas xx

amberowl28

Your right, same with the money i owe parents there's no pressure to repay that anytime soon either.

gettingbetter

there you go

in 30 mins we have wiped £15000
of your debt

i am not making light of things
yes they still have to be paid

but small steps

kas xx

gettingbetter

one more thing

come join us on the sealed pot challange
even if you only put a pound a week away
its great fun
we are all nice and jolly each other along

kas xx

amberowl28

lol if only it were that easy!

gettingbetter

hunni

we know its not easy
but at least when you look at your sig now
it doesnt look as bad as it did before

yes eventually you will have to pay SL and your parents
and if your anything like me
parents are the first people i want to pay off

not cause they are in any hurry to get it
just cause that is the way i am

i have been in debt up to my eyeballs
and was made BR
but i have come out the other side

thats what this place is all about
helping each other

kas xx

amberowl28

Pot challenge is a really good idea!

Yes i wanted to pay back parents as a priority too but sofar they have refused any payments (this was when i was working). Though really can't help me out any more than already have. Methinks i'll eventually have to smuggle it back into their account somehow when things are better.

Thanks i'm glad i found this site and really appreciate the support. Hopefully i will get some money coming in soon. More cv's and applications to do tom.