Unemployed and entitled to nothing

hayley11

iamana1ias wrote: »

But are the debts as a result of your wedding spending or essential living expenses?

If you've borrowed £15k to get married and now can't afford to repay, that's hardly the taxpayer's problem!

Big assumption to make don't you think?

OP - have you contacted any creditors (if you have any debts) to ask if you can make token payments for the time being, while your OH looks for a job?

Is there any other ways you can cut back, mobiles, sky etc.

If you post your SOA on the debt free wannabe board, they will probably be able to advise of ways to cut back.

UnderPressure

I can sypathise with you and you must be feeling terrible at what should be a happy time in your life, chin up I am sure things can only get better from here.

As has been suggested check out the debt free wannabe forum there are some great ideas on there how to save a few quid here and there, but with what you have coming in I just cant see any light at the end of the tunnel.

I have to be honest, your BF has been out of work since last October, nigh on 8 months, and he is really asking you to believe that in 8 months there has not been 1 single job he could have took? Come on now surely you cant actually believe this? Im sure he is making the right noises in looking for work but with your education commitments it is impossible for you to be with him all of the time and actually seeing his effort in finding work. I would suggest that he is simply saying the right things to you to make you THINK he is doing everything he can when the actual reality is much much different.

There IS work out there, the problem is people think certain jobs and certain pay levels are "beneath them" when in reality any old job for 40 hours a wekk paying only minimum wage would make a HUGE different to your lives. I am not saying he may be being untruthful purposely, maybe he has got himself into the way of thinking that something "decent" will come along soon, when in reality he is wasting far too much time waiting................

I would try and put sometime on 1 side and sit down with him, goto the job centre website ans sift through all the jobs in your area with him, same with the local newspapers, ring the local agencies up on his behalf and arrange interivews with them for him, sadly you cannot be with him at interview time to make sure he is putting the right attitude across but he HAS to realise it is now make or break he has to step up and get himself some kind of paid work you simply cannot continue the way you are.........

I dont see you giving up education as being an option, it cannot be and why should it? I am sure your parents would have something to say about this?

Put some pressur eon hime, make him realise that this is something he HAS to do, there loads of people on these forum;s claiming there is no work available and blaming the so called recession, for some people in certain areas this may be "somewhere" near the truth, but for the majority it is simply a lie that saves people having to tell the truth that they simply feel certain work for certain pay is beneath them when the reality os soooooooooo much different.

What was he doign beofre he was made redundant? Is there anything he could be doing on a self employed basis? I would seriously think about postponing the wedding and ask myself if I wanted to eter into a relationship with a partner that is simply not willing to help make your lives a bit easier, harsh I know.

What area do you live in? I bet some of us on here could find a flurry of jobs available on the internet?

Hope that helps, he is your future husband and you obviously love him dearly you need to step back and have a good look at this situation

iamana1ias

snowmaid wrote: »

Has the OP said she has borrowed that? I must have missed that posting.

I was illustrating the point (using the average cost of a wedding these days)

p00hsticks

vickyw wrote: »

We have less than £400 coming in a month

I thought you said you were getting £360 a month housing benefit ?
Is your student loan income really less than £40 a month ?

Indie_Kid

p00hsticks wrote: »

I thought you said you were getting £360 a month housing benefit ?
Is your student loan income really less than £40 a month ?

They also pay £90 for rent. (well, the OP does)

fleagle21

Definitely speak to your uni to find out if any assistance is available - as mentioned above they do have a hardship fund. And if your partner hasn't tried a temp agency, do encourage him to sign up to a few. The past two summers I've done temping and always got something in a matter of days that lasted me the full three month holiday. I'm now going on the job hunt too, degree classification out tomorrow, eek! Good luck

vickyw

fleagle21 wrote: »

Definitely speak to your uni to find out if any assistance is available - as mentioned above they do have a hardship fund. And if your partner hasn't tried a temp agency, do encourage him to sign up to a few. The past two summers I've done temping and always got something in a matter of days that lasted me the full three month holiday. I'm now going on the job hunt too, degree classification out tomorrow, eek! Good luck

Thank you so much it's really given me hope!!

hippy-chicy

You need to come to some arrangement with your non priority creditors if it is debt repayments that are the problem. Try contacting the CCCS or Payplan. Take a look at the DFW board - the guys over there are great.

If you were on JSA IB (full amount) as a couple you would only be entitled to approx £105 per week ( which is the applicable amount for a couple) plus full HB/ CTB which i assume you are getting now as £98 and £2 is £100 per week which is under your applicable amount.

You could apply for a DHP to help cover the shortfall in your rent - but there is no guarantee this would be awarded as it is from a limited fund and is normally only awarded for a short period of time to help with unforseen problems.

Can you look for cheaper accommodation? You need to look at reducing your outgoings. Really, your monthly income is £433 which when you take off your £90 shortfall in rent is £343 which should be enough to feed yourselves and meet essential utility bills.

Could you look at taking on some bar work/ waiting on work at evenings and weekends.
Get in touch with your Uni re any grants that may be avaliable to you.
Try and get your partner motivated to take any job - any employment is better than £2 a week !! Even if he hates it - its just a short term measure to get you through. There are jobs out there it just might not be in the area you/he wants.

Good luck anyway.

NASA_2

vickyw wrote: »

Thank you for your help. We don't pay council tax at all at the moment because he recieves housing benefit but yes I do recieve a discount.

So you basically lied when you said you only got £2 a week. Your actually in receipt of a lot more than that.

bestpud

I agree you have two problems here:

your oh needs to find work asap and you need to gain some control over your debts and outgoings.

The first is by far the most difficult! Have you nearly finished uni for the year?

If so, I suggest you take a closer look at his jobseeking efforts as I fear he's not doing much to help himself, whatever he tells you.

I can't believe you are even considering giving up your course when you have an able-bodied male sponging from you.

If you did leave your course, would you then get a job - one of the 'non-existant' ones in your area? You'd be no better off with both of you on jsa so what would it achieve?

As for the second problem, you are in the right place for help! There is loads of advice and support available on here so have a good look around.

Definitely contact the financial advisor at your Uni as the access fund is a potential source of help.

Good luck - you can get back on track but I do think you need to get firmer with your oh as well as taking other financial measures.