I need a loan but dont work help please

Oldernotwiser

Wutang wrote: »

Because the more money you have , the better life you have.

Better friends, bigger house, champagne, bling and women everywhere.

Fact

Think you forgot the irony smiley!;)

Dinah93

You might have a great day on £500 hon, but you're going to have a rotten year trying to make ends meet and might still be paying it back come next Christmas.

For a more practical step if you are stuck at home all day can I suggest you have a look on the up your income forum? Off the top of my head I can suggest Slice the pie where you are paid 5p to rate a track feasably making about a fiver a day, or personally I prefer dooyoo, where you are paid 50p (+1.5p for everyone who reads) per review. You can review films, cds, books, tv shows, food items, shops, there is no shortage really. I make about £5 a day on there mostly through rates and writting 3 or 4 detailed reviews a day, and I have a full time job so you should be able to get a similar amount as you have more time. They pay out in amazon vouchers or cheques, amazon vouchers usually arrive in about 5 days while cheques take a few weeks, but if you really went for that this week you could have enough to get them both a few bits each by the end of next week. Doesn't help towards getting food though, sorry.

Your kids are going to be happy just to have a home and be away from an abusive father, I understand the want to get them presents, but unfortunately strength of character doesn't equate to money in the bank in this world, so no matter how amazing they are that doesn't mean its always possible to give them what you want to to show your love and appreciation of them.

The best gift you can give them, weather they realise it or not, is the certainty they will have a warm house with food in the fridge for the next year, and not be at risk of ending up homeless again.

hopefulfooluk

Mishca I can see why you would want to take a loan like this out to help give your kids a 'good' Christmas, but can I just say that while I know your intentions are nothing but the best, your kids will have a far happier Christmas with a mum that is relaxed and able to spend time with them unconcerned about where the repayments are going to come from, than if they are with a stressed out mum who isn't sure what is going to happen in the coming year.

I do know what it is like to have it all, and then rapidly lose it all - it puts a perspective on things that is hard to ignore. Often those crashes make you a stronger person in the long run (mine did) but it is far better to avoid that crash in the first place if you can. At the moment, you can avoid it - but that may well change if you take out this loan for what really isn't essential expenditure.

I don't want to lecture, and I have, but your kids will love you whatever you get them.

woody01

mishca_loves_a_bargain wrote: »

Yes the £500 was for the whole day, Xmas pressies, the dinner. It was really just a thought, but now i can see that borrowing £500 today might be good for getting me and the kids through Christmas, but its not really worth it in long run..........

I earn a very high salary and have 2 Primary School aged children and we DO NOT spend £500 just for christmas day.

Learning the price of nothing and the value of everything is the key here.

woody01

atwitsend wrote: »

Oh and one thing to remember i think - your kids will still love you the same amount, regardless of how much money you spend

And there in are the wise words............just a pity this wasn't the first response to the OP as it's fact!

hells_2

woody01 wrote: »

I earn a very high salary and have 2 Primary School aged children and we DO NOT spend £500 just for christmas day.

Learning the price of nothing and the value of everything is the key here.

Same here, we both earn very decent salaries and are most certainly not thinking of spending £500 on the little, in fact he is getting under £200 (if I had my way it would be less so as to teach him he can have things he wants, but the ones that cost less and are just as good!!)

ALL of Christmas, including presents, food, booze, the lot, for everyone will be coming in at under £500.

I wish some people (not having a go at the OP) would stop putting a price on Xmas. Little's birth mother keeps sending messages, desperately trying to work out what he is being bought for Xmas...simply, so she can work out HOW MUCH we are spending, not what he actually wants.

If it was £10,000, I'm sure it wouldn't be enough....!

OP, have a lovely Christmas, and I am sure you will, because already, you are in a better situation than you were. That alone is a recipe for a good time.

mum2one

myothercarisaferrari wrote: »

haha xx what fun:money::money:

what an insesitive comment, the OP came asking for help as regardless of the circumstances, she was putting her kids first.

mum2one

BASFORDLAD wrote: »

Yes well said. People never learn year in year out. I laugh when i hear that people struggle in the new year when they have spent loads and they are on a low income. Its pure stupidity.

£30 is plenty to spend on someone. I earn a good salary and wont spend much on anyone @ christmas. Not because i am tight but because i am careful.

It also seems to be those who live in council houses etc who go over the top @ christmas and winge afterwards. What i mean by this is those living in social house seem to spend a high proportion on there income/benefits @ christmas. They also seem to be the sort of people who struggle to budget and could do with some simple lessons on budgeting.

Thats such a sweeping comment, not everyone is lucky enough to earn a good salary, so people do the best they can.
as for simple lessons on budgeting, maybe if you lived a week on Income support / JSA your soon see that budgeting is something that has to be done.

jamespir

there was a thing in the paper last week about how to do Christmas dinner for 6 for 16 pounds and it was a three course meal also on next monday itv1 8pm theyre showing you how to do Christmas for a pound

mum2one

Christmas is about family, and from what you have been through the children will be happy to have you and to know that there safe, I walked out on a violent and abusive partner, when I was 7 mths gone with dd, and I admit I have gone over the top, because I felt that she was missing out, that she needed to be compensated for not having her dad or his family.

You know she didn't need half the stuff that I did, I got her, shes never seen her dad, or his side.

Your kids would rather have you then a sack full of presents and live on baked beans on toast for a year.
as my motto is once you've hit rock bottom, theres only one way you can go and that up.......

use this Christmas as the starting point,

Xmas dinner - Iceland do some really good deals, in their mag they say dinner for 4 £16.00 including xmas pud, but you mix and match to what suits you.

Presents - small stocking, have a look on freebies board, grabbit board,

Is there any toys / games / etc they have grown out off, I've just sold dds, dolls pram, dolls pushchair, toy piano and some books - went through our local paper free adds, I made £45. (in my case anything of dd I sell, the money goes in a purse for when she needs bigger things).

Freecycle - look whats on there.

Maybe for your daughters room, how about revamping it as an xmas prezzie, try free cycle for paint, furniture, even bedding

Nice toilettires, - doesn't have to be expensive ones, get a small basket, decorate a shoes box, bit of shredder xmas paper in bottom, items on top
Local adds

or ebay

Your son - not very good with boys prezzies - my friends boy he's 11, so give him money - thou it goes against my money saving principle.

again try freecyle - you'd be absolutely surprised what people recycle.

As for the other poster, suggesting dooyoo etc, great idea, as you can maybe save for next year.

What about making a family movie night-
Get a box / basket - get a cheap dvd, add popcorn, cans of pop, chocolate, print an invite to a movie night...... doesn't have to be expensive.