The Bankruptcy Club & Supporters Club

goldy

Hi Rog and Sandra,

Thankyou for replying so quickly.

I have read through all the posts this afternoon and just doing that made me feel better.

I felt quite alone this morning, your replies have made me feel a little less so.

Thanks,

Goldy. xxx

Doushka

sandralovescats wrote:

Right now I am in a mess, I am depressed and the whole thing makes my medical condition worse.

may I offer some cat-loving hugs of sympathy to you - I know just how you feel.

the main cause of my br is my ill health and inability to work, and money worries most certainly do not help

at least you're moving in the right direction and hopefully before the month is out things will be a lot easier for you... and you'll have your snazzy new car on its way to cheer you up (that so sounds contradictory doesnt it, but I know we're talking about motability here - I think perhaps if my DLA gets upgraded this time (I get no care component just hight mobility), I may go the motability car route too)

and please don't be too down and depressed, already today you have helped me so much and your posts are always so upbeat and positive sounding - if you can keep me going, the least I can do is offer to help you to keep smiling too, so the offer is there, you know where to pm me

gettingitsorted

Hi Sandra

just wanted to send you hugs

sandralovescats

Doushka wrote:

may I offer some cat-loving hugs of sympathy to you - I know just how you feel.

the main cause of my br is my ill health and inability to work, and money worries most certainly do not help

at least you're moving in the right direction and hopefully before the month is out things will be a lot easier for you... and you'll have your snazzy new car on its way to cheer you up (that so sounds contradictory doesnt it, but I know we're talking about motability here - I think perhaps if my DLA gets upgraded this time (I get no care component just hight mobility), I may go the motability car route too)

and please don't be too down and depressed, already today you have helped me so much and your posts are always so upbeat and positive sounding - if you can keep me going, the least I can do is offer to help you to keep smiling too, so the offer is there, you know where to pm me

Hello!

Well, for the moment all I have to live on is the DLA , which is £59.95 per week - I get the mobility and the care.
The powers that be have not decided if I can have Incapacity Benefit yet.

It is very easy to slip into depression, although I do try not to!

Have you got your Date yet?

sandralovescats

Link for the listing for BASIC BANK ACCOUNTS

http://www.moneyfacts.co.uk/banking/bestbuys/banking_basic_bank_accounts.aspx

Remember that you can only open a basic bank account with a bank you have no debts with!

milly_rhys

hi sandra i agree its easy to get into the depression than it is to get out of it just like debt i guess lol

hope your feeling better and like others say u help people alot so that can cheer you up a bit .

there is nothing worse than waiting for a decision on benefits . i didnt know for along time but did u know somebody can get carers allowance for u . i get it for my son but i dont recieve the cash as i get incapacity benefit and its higher than the carers allowance as it is means tested but it i qualify for the underlying entitlement . if that makes sense.


hope u feel better soon

milly_rhys

i just managed to cut my phone from £22 to £16 amonth even though its been costing me nearer 50 with lots of 0870 numbers as of late but i swear after tomorrow night no more phone calls other than landline numbers !!

my broadband will reduce too in a couple of months from £17.99 to £5 a month

gas and electric will reduce by 3% p.a next month too not great but the right direction

got myself a simcard that gives free txts so that will save me some cash too

managed to do a 2 week shop for £60 today may need some fresh things over next 2 weeks but that is a hell of a reduction for us .

milly_rhys

oooppppsss forgot to say

made another appointment with the citizens advice lady to discuss my options further had no letters or phone calls in last 2 weeks so something is happening all my creditors have gone quiet

gettingitsorted

milly_rhys wrote:

i just managed to cut my phone from £22 to £16 amonth even though its been costing me nearer 50 with lots of 0870 numbers as of late but i swear after tomorrow night no more phone calls other than landline numbers !!

my broadband will reduce too in a couple of months from £17.99 to £5 a month

gas and electric will reduce by 3% p.a next month too not great but the right direction

got myself a simcard that gives free txts so that will save me some cash too

managed to do a 2 week shop for £60 today may need some fresh things over next 2 weeks but that is a hell of a reduction for us .

Milly thats great well done thats alot of great savings :money: :j

As a well known saying goes EVERY little helps

rog2

milly_rhys wrote:

i just managed to cut my phone from £22 to £16 amonth even though its been costing me nearer 50 with lots of 0870 numbers as of late but i swear after tomorrow night no more phone calls other than landline numbers !!

Just a small tip milly - next time you need to ring an 0870 number (which can earn the owner up to 6p a minute of your money) just check the number on https://www.saynoto0870.com