£25k loans this is my SOA...

missk_ensington

What are you trying to do from home? If you're looking at these mystery shopping/survey websites they're all a load of rubbish!
Do you mind me asking what your job was before going on maternity leave? Perhaps there could be a way of doing that from home?

knithappens

melabarrie wrote:

i understand that sometimes it's difficult when you're working very hard to not want to give up the 'one luxury that you have', but what clapton says is right, with that much debt, you sometimes just can't afford luxuries. and they are exactly that, luxuries, not necessities. like the sky subscription, it's not something you absolutely need. without those two luxuries, you'll have and extra £1092 for the year to throw at your debts. it doesn't seem like alot, but it will do something to reduce your debt.

QUOTE]

What i did was buy a very cheep freeview box, for "0 odd pounds and got rid of the subscription, it has saved me quite a lot, money that has been put to use in other areas.Something you could think about.

lynzpower

missk_ensington wrote:

What are you trying to do from home? If you're looking at these mystery shopping/survey websites they're all a load of rubbish!
Do you mind me asking what your job was before going on maternity leave? Perhaps there could be a way of doing that from home?

No need to be so negative Miss K. PLenty of people do OK out of the surveys and while, yes, Its never going to be an income instead of a full time job, it certainly is better than nothing and used wisely can reap rewards.

missk_ensington

Lynzpower- Yeah but for most you have to pay a couple of hundred quid "subscription". I was signed up to a free surbey site, of the 30-odd surveys I started to complete they let me get 15 minutes through it before saying 'sorry you're not suitable for our requirements' and the one i have completeted Ive never been paid!

lynzpower

MISS k I TAKE it that was ciao? ive had that too

Well there are some GOOD ones that do pay out

Www.yougov.co.uk
https://www.pigsback.co.uk ( vouchers, amazon, jon lewis)
https://www.quidco.co.uk ( cash back, but plenty of free clicks type stuff)
https://www.greasypalms.co.uk ( more clicks)

lynzpower

the working at home ones are USUALLY a scam.

Saying that thou many employers are looking at woreless options for remote working? As I dont know what you do its hard to make recommendations, but have you spoken to your employer about such flexible options?

Otherwise you can always get into childminding when you are ready? Or selling stuff like Avon, Ann Summers etc although these do usually involve some sort of outlay.
HAve a look on the top of the mortgage free wannabee board theres a sticky on second incomes thats definately worth a good browse

lubava

Do claim child benefit ?

lubava

Hi thebaddeleys. I have just checked inland revenue website and based on you not working and your husband getting £40000 a year you can get £756 a year on child tax credits. Have you looked at this?
Here is the link for it http://www.taxcredits.inlandrevenue.gov.uk/Qualify/DIQHousehold.aspx
Plus call you local job centre and see if you can claim jobseekers as well.
Another thinf your mortgage is high have you looked in remortgaging it might be good idea.

missk_ensington

Lynzpower- Yes it was Ciao!!! How on earth did tyou guess, lol! I think they use the info you've given them and when they have what they need, say you're not suitable! After you've completed 6 pages of info!

lubava- you can't get JSA when you're husband is earning over 40grand a year! I'd certainly look at changing mortgage provider if it is possible, or moving somewhere cheaper if this is an option??

thebaddeleys

is it a good idea to do an interest only mortgage for a while to pay off the debts? i can't get my head around if that makes sense or if its a stupid idea?