jesus we are in a mess help!

f*cked

yes will look into it today for definate thanks for all your help and budgeting advice

f*cked

he is brickie in recession not much work about really......

Keeping_Positive

Ditto contacting the debt charities they will help. CCCS have an online debt remedy from you can use for an instant guide.

Good luck

WASHER

Ok so hes a brickie, not the best job at this moment in time, are you getting all your child tax credits/working tax credits you are entitled too, your income seems too low, have a look at entitled.com. Would your husband sign up an agency for temp work.

One of the problems here, and excuse me for being blunt is that you are expecting twins and you cannot work, and you need to work to keep your family afloat, surely as a gesture the natural parents should be giving you something, I don't mean a lump sum, I mean a small payment each month whilst you are pregnant and unable to work.

WASHER

Keeping_Positive wrote: »

Ditto contacting the debt charities they will help. CCCS have an online debt remedy from you can use for an instant guide.

Good luck

I tried to get the link for CCCS, but my computer is playing up, could someone else please post a link.

Pee

But would the friends be able to give you money for food - working on the principle the less stress the better for babies and what you are eating is very important to the unborn child's health.

Is working an option once the babies are born? (Obviously i don't mean the day after, but a few weeks later?)

Do you think this might be getting you down today because of hormones? You have lots of options and there are lots of ways to make this work.

lisainglasgow

WASHER wrote: »

Ok so hes a brickie, not the best job at this moment in time, are you getting all your child tax credits/working tax credits you are entitled too, your income seems too low, have a look at entitled.com. Would your husband sign up an agency for temp work.

One of the problems here, and excuse me for being blunt is that you are expecting twins and you cannot work, and you need to work to keep your family afloat, surely as a gesture the natural parents should be giving you something, I don't mean a lump sum, I mean a small payment each month whilst you are pregnant and unable to work.

I agree 100%

moneymakestheworldgoround

Congrats on choosing to be a surrogate - I think that is admirable, so well done. Some good karma should be on its way to you, so keep positive !!

I think if an agreement has been made between you and the new mother, you can't really go asking for contributions each month in addition to expenses. I think by law, it is just reasonable expenses allowed.

Obviously if the new mum offers you any extra, I would suggest you take it !

Last point would be concerning the comment you made about not depriving your kids of treats etc.. I have made a conscious decision to clear my debts in a relatively short time, and this means cutting out everything not essential. Its hard, but my logic is in the near future, I will be able to afford the treats. So I am trading off a tough 12 - 15 mnths instead of a slightly relaxed but longer 4 - 5 yrs on DMP.

If you work out the difference the 'treats' money would make in years to your DMP, I think it would be worthwhile cutting back and trying to get debt free sooner rather than later. Just my opinion !!

Smashing

moneymakestheworldgoround wrote: »

Last point would be concerning the comment you made about not depriving your kids of treats etc.. I have made a conscious decision to clear my debts in a relatively short time, and this means cutting out everything not essential. Its hard, but my logic is in the near future, I will be able to afford the treats. So I am trading off a tough 12 - 15 mnths instead of a slightly relaxed but longer 4 - 5 yrs on DMP.

If you work out the difference the 'treats' money would make in years to your DMP, I think it would be worthwhile cutting back and trying to get debt free sooner rather than later. Just my opinion !!

Totally agree - they're not even 3 years old, they won't even notice. At that age, fun can easily be had for free. It's as they get older and you get further in debt that it will be more noticeable, only then you'll have to make even greater cutbacks for longer.

Keeping_Positive

https://www.cccs.co.uk/DebtRemedy/(S(wy5ni0ikd5gs0dircsaxzv45))/Start.aspx

cccs debt remedy link