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Memorygirls - Make Do and Mend

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  • Courgette
    Courgette Posts: 3,242 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Back - soaked to the skin, but credits will be reinstated in a week or two!!!!!

    and as ususal they don't catch up the "Lost payments" but instead recalculate the award and divide what you are owed by however many weeks left in the year.

    So Memorygirl mansion could be down between £180 and £270 this month. So no new shoes for ds1, no swimming till the end of the month, DS2 back on washable nappies for through the night and guess what - yup "The Ulimate Grocery challenge" here we come again.

    basically i dare not spend a penny becasue all the bills are due out at the beginning of the month and although it could be squeaky, i should just make it. Better be supercareful on the petrol though.

    I hung on the line (after ringing 8 times and being thrown off the queue) for 62 minutes to resolve this. 62 x 40p = £24.80 !!!!!!! so just as well i was able to walk to the job centre and use their phone - cos that could be our grocery budget until the tax credits are sorted again.

    The ladies there has the most amazing expression on their faces as i walked in with the buggy, unhooked ds2, spread a rug on the floor for him, unpacked his toys and a snack box and then sat myself down at the phone with my finance file, novel and flask of coffee. You see!!! I knew I was going to be there ages, so I came prepared.

    bless him though DS2 was no problem, just puddled around, shared his muffin with one of the ladies and showed another his trucks - as i was still waiting to talk to a human being - LOL

    Mind you once i did get to speak to very nice lady - Claire - she couldn't have been more helpful. she even admitted she couldn't see why my credits had been stopped because they did have my most current information (which they could only have got from my returned form)

    Ah well!!! all well that ends well i suppose? Thanks to this site though i have my weeny cash buffer and some useful frugalising skills.

    Here to a more productive afternoon

    MG

    Well done on being so positive but that really is carp. Sorry, it's disgraceful that you've lost that money through no fault of your own especially when you're sailing so close to the wind. Thankfully, you have the resources to get through, but some families would be in a right mess cos of that. And !!!!!! is 40p/pm phone line about :eek::mad:
    Updating soon...
  • Emsky*
    Emsky* Posts: 172 Forumite
    Part of the Furniture Combo Breaker
    Hi MG, glad you got your tax credits sorted! I think your doing amazingly, I log on every morning to see how your getting on & I'm going to use the muffins receipe as it sounds yummy!" Just thought I'd de-lurk for 5 minutes" :D
    "Friendship is certainly the finest balm for the pangs of disappointed love." Jane Austen.

  • Firewalker
    Firewalker Posts: 2,682 Forumite
    So Memorygirl mansion could be down between £180 and £270 this month. So no new shoes for ds1, no swimming till the end of the month, DS2 back on washable nappies for through the night and guess what - yup "The Ulimate Grocery challenge" here we come again.

    Here to a more productive afternoon

    MG

    Hi Memorygirl,

    I am so sorry to hear about the latest develoments and relieved that it is sorted. I also hope that all this, horrid as it is, is not going to knock you off the productive, positive side of your life, wellbeing and prosperity.

    I am sending you my thoughts and good wishes - and I am sure you will find a way. Independence is the future!

    Firewalker
  • knitwit67
    knitwit67 Posts: 213 Forumite
    MG I love your practical approach to your challenges. I had to smile at the image of you rolling out a rug and making camp, you should have pulled out a disposable BBQ and pack of sausages for the laugh :rotfl: Once again you sorted it, hope your money starts flowing again soon.
    Sew it, knit it, glue it, reuse it , don't buy it
  • Helen105
    Helen105 Posts: 363 Forumite
    Part of the Furniture Combo Breaker
    aaaaaarrrggghhhhhh!!!!!

    Everything was gonig so well - the kids are at school and all excited about new teacher.

    washing done, shiny sink, clean bathroom and ironing ready to go - when the Postie comes.

    :eek::eek:THEY ARE STOPPING OUR CHILD TAX CREDITS!!!!!!!!!!!!! :eek:Because I didn't return their form - I didn't???? - well I will tell you now i b****y well did!!!!!! Do they think i am flush enough for money that i can survive without these credits????

    Packed a book and a snack for ds2 and we are off to camp out in the job centre to use their phnoes for the 0845 number - cos i really can't afford £50 on my mobile again trying to sort this out and "our lines are very busy".

    Breathe memorygirl - maybe this is the day the big cheque is arriving instead.

    mg

    EXACTLY THE SAME THING HAPPENED TO ME! Only I do work and was trying to find times at work when I could find a private space to ring their blasted number. The only time I actually got put through enough to be on hold was at 3pm when I was supposed to be working and just could not sit on the line listening to music for more than a minute or two.
    The following morning I rang from home & it took me 40 minutes to get through & speak to a person & if they have charged me 40p a minute on the 15 or so times I have rung to listen to a recorded message telling me that because of the bank holiday some payments are going out on the Friday previous & by the way be sure to have your National Insurance number ready then I am outraged!

    Rant over.
  • Memory_Girl
    Memory_Girl Posts: 4,957 Forumite
    Just a quickie cos i am stirring risotto with the other hand (well wooden spoon really but YSWIM)

    40p per minute is what I would be charged on my mobile to call them on the 0845 number - hence heading to the job centre to use their free phone - so take a deep breath guys, my fault really should have explained that better

    sorry!!

    mg

    PS Muffins were a huge hit with DS1 - several of the kids were jealous that he has a mum who bakes - if only they knew -eh??
    FINALLY AND OFFICIALLY DEBT FREE
    Small Emergency Fund £500 / £500
    Pay off all Debts £10,000 / £10,000
    Grown Up Emergency Fund £6000 / £6000 :j
    Pension Provision £6688/£2376
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What a mess up by the tax credit people how annoying! Hope they do resolve it quickly for you as that is completely unacceptable!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Ellidee
    Ellidee Posts: 6,216 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    MG - another link I think you might like http://www.sheconomics.com/ :)
    Nothing is so fatiguing as the eternal hanging on of an uncompleted task. William James
  • vasseur
    vasseur Posts: 3,090 Forumite
    Part of the Furniture Combo Breaker PPI Party Pooper Debt-free and Proud!
    Back - soaked to the skin, but credits will be reinstated in a week or two!!!!!

    and as ususal they don't catch up the "Lost payments" but instead recalculate the award and divide what you are owed by however many weeks left in the year.

    So Memorygirl mansion could be down between £180 and £270 this month. So no new shoes for ds1, no swimming till the end of the month, DS2 back on washable nappies for through the night and guess what - yup "The Ulimate Grocery challenge" here we come again.

    basically i dare not spend a penny becasue all the bills are due out at the beginning of the month and although it could be squeaky, i should just make it. Better be supercareful on the petrol though.

    I hung on the line (after ringing 8 times and being thrown off the queue) for 62 minutes to resolve this. 62 x 40p = £24.80 !!!!!!! so just as well i was able to walk to the job centre and use their phone - cos that could be our grocery budget until the tax credits are sorted again.

    The ladies there has the most amazing expression on their faces as i walked in with the buggy, unhooked ds2, spread a rug on the floor for him, unpacked his toys and a snack box and then sat myself down at the phone with my finance file, novel and flask of coffee. You see!!! I knew I was going to be there ages, so I came prepared.

    bless him though DS2 was no problem, just puddled around, shared his muffin with one of the ladies and showed another his trucks - as i was still waiting to talk to a human being - LOL

    Mind you once i did get to speak to very nice lady - Claire - she couldn't have been more helpful. she even admitted she couldn't see why my credits had been stopped because they did have my most current information (which they could only have got from my returned form)

    Ah well!!! all well that ends well i suppose? Thanks to this site though i have my weeny cash buffer and some useful frugalising skills.

    Here to a more productive afternoon

    MG

    LMAO at this. It's so unfair that you are the one who will suffer because of their incompetence.

    I hope the month isn't too frugal for you.
    It's not how far you fall - it's how high you bounce back.... :j
    Happiness is not a destination - it's a journey :)
  • nattypants
    nattypants Posts: 2,577 Forumite
    Hi all,

    Looks like pretty mixed fortune week (or start to the week) for many of us;) sooooo......I thought you might like this Secret Scroll;

    Each of us is attracting in every moment of our lives. So when you feel that the law isn't working for you because you don't have what you want, realise that the law is responding to you. You are either attracting what you want or you are attracting the absence of what you want.
    The law is still working.

    This secret scroll has been a nice wee timely reminder as my impatience has been tested. I was so certain the fab house-buying couple would have contacted their solicitor and I would receive THAT call...instead my thoughts to the good ol' Universe have been "why haven't I received an offer??" and of course the good ol' Universe has translated this to....not receiving an offer........:o

    On the plus side a colleague of a colleague of a colleague (confused???!) handed me some special scent which you spray before prospective buyer come round and it does its magic stuff by convincing the buyer to buy:D:D:D

    :ASending good vibes for a GREAT week to all:A

    NPX
    February13 - £74990 (or thereabouts)
    MND - Let's go for 2020 'cos it's got a nice ring to it:D
    C'mon nattypants:cool:
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