Clearmydebts - new chapter to becoming debt free before moving home

wendz86

I did it based on maternity pay as well and still nothing. OH earns too much i think!

Birdie85

OK, I'm really confused now... what's the difference between Child Tax Credit and Working Tax Credit? I put our details in and it came up with £412 CTC and £0 WTC. Is that over the year or month or what?! Never had anything to do with this stuff so I'm scratching my head!

clearmydebts

It's over the year. We never qualified for working tax credit either. I think it is if you are on a very low income.

Birdie85

Hmmm, must be very low! I played with it pretending that we both cut our hours down and nothing changed, so I made OH quit his job and it came up with £2276.42 CTC over the year... put him on benefits and it jumps up to £2340.48 CTC and £3516.24 WTC! I don't like this... why is it that the less money you put into the system the more you get out?!

Dinah93

Because it's designed to support the least well off, rather than help those whose circumstances are impacted upon when they have kids. Work should always pay, but sadly it often doesn't for low income families.

clearmydebts

It makes me mad too Birdie. Middle income families seem to be targetted all the time.

clearmydebts

Am feeling very motivated about getting rid of the debts today. I am going to go on Music Magpie tonight and get rid of any CDs we don't want. I have also signed up for my 1st mystery shopping assignment at Dublin airport. The fee is great (£12). Am raging I never did this before as I get a free meal and also money. If I do move home with the babies am going to sign OH up to mystery shopping as he will be in the airport every week so it could nearly pay for his flights as well as getting free food/drinks.

I also signed up to Fishtext so it only costs me 3p to send texts home to Ireland. That should cut my bills down by about £30 per month. All will be used towards the debt. I also have about £350 in work expenses due to me (although I was late sending in one lot so I hope they are lenient) so am hopeful that the Virgin card will be gone this month and then we will concentrate on OH's credit card.

wendz86

You do sound very motivated. Some great ideas there to get your debt down.

clearmydebts

wendz86 wrote: »

You do sound very motivated. Some great ideas there to get your debt down.

Thanks Wendz. How are you?

Dinah93

Thats great CMD. Which company have you signed up with for MS? Can refer you to Retail Eyes if you aren't with them, as they have most of the airport jobs. They only usually release one wave of airport jobs a month, and you can only do 3/4 a month although if you call them they'll often give you more. NIM and I loved doing the Dublin run as we'd make about £80 every time we flew through. Don't forget you can get ones in your airport this side too.