some more advice pretty please!

pennylane_3

Hi there

im in another spot of bother.

heres my situation...

im temping at the moment, desperately on the hunt for a permanent job.

im earning £200 a week, most of that goes on bank charges, food and transport costs.

I need to pay:

£530 rent and bills by Oct 20th
£300 old gas/elec bills asap
£160 travel card asap
£500 i owe my partner for last months rent asap.

i am also paying £50 a month to payplan for old debts.

I have seriously bad credit so cant get a loan unless its one of those dodgy ones you find in the back of the newspapers (an avenue i stupidly looked into this morning) and i cant borrow any money off of family or friends.

am i completely stuck?

i am...

any advice... any .... is really really appreciated.

thank you!!

nelly_2

Pubs and Tesco have loads of part time jobs going cant you try that to fill up your hours untill a permanent job turns up?

pennylane_3

i was thinking the same, i was really thinking that i could get some evening work at the pizza place up the road from me.
but my problem is that i dont have stable hours. sometimes im home from work at 7pm, sometimes its 9pm, then i leave the house again at 7am mon - fri.
i do have weekends off, maybe i'll pop by later tonight and see if they will employ me for weekends only.
x

Annie_Fanny

Hi Pennylane

Looks like a tricky situation...it would be helpful to have an overview of your whole situation so could you possibly post up a Statement of Affairs (SOA) which is basically a list of your incomings and outgoings. We can help you claw some money back so that you can get out of the cycle of overspending. Here's a link for advice on how to post one:
http://forums.moneysavingexpert.com/showthread.html?t=107280

You say that you are paying bank charges? Do you know that you can try and claim these back? Many many people have been successful! Look here:
http://www.consumeractiongroup.co.uk/

Cheers
Annie
Xx

TallGirl

Sorry to hear about your situation but you are clearly falling behind with priority debts yet at the same time paying £50 per month via Payplan towards old non priority debts. My advice would be to call your case officer at Payplan and get them to look at your budget again, you clearly cannot afford the £50 a month.

cazziebo

What about going for a weekend job somewhere like Debenham's on the run up to Christmas? All the department stores are desperate for staff and you might get staff discount....

pennylane_3

thats a good idea too. i'm going online right away to look for something like that.... there has to be something i can do!
thanks!

pennylane_3

TallGirl wrote:

Sorry to hear about your situation but you are clearly falling behind with priority debts yet at the same time paying £50 per month via Payplan towards old non priority debts. My advice would be to call your case officer at Payplan and get them to look at your budget again, you clearly cannot afford the £50 a month.

i think i'll do that, thanks. though ive been useless and havent kept up with their payments either....
maybe that a sure sign that i cant afford it!

Mrs_Sparkle

Do you have anything you can sell on eBay? There are quite a few of us on here making a few £s this way. Or old books + CDs on Amazon?

pennylane_3

Annie_Fanny wrote:

Hi Pennylane

Looks like a tricky situation...it would be helpful to have an overview of your whole situation so could you possibly post up a Statement of Affairs (SOA) which is basically a list of your incomings and outgoings. We can help you claw some money back so that you can get out of the cycle of overspending. Here's a link for advice on how to post one:
http://forums.moneysavingexpert.com/showthread.html?t=107280

You say that you are paying bank charges? Do you know that you can try and claim these back? Many many people have been successful! Look here:
http://www.consumeractiongroup.co.uk/

Cheers
Annie
Xx

Thanks annie, i'm in the process of sorting out the bank charges at the moment, hopefully something will come of that.
unfortunately ive got into the habit of using cheques when i cant afford my travel cards to get to work... this is why im gettng charged.

i'll do the overview as soon as i get the internet in my house (im at work at the moment!!)

thanks!

pennylane_3

Mrs_Sparkle wrote:

Do you have anything you can sell on eBay? There are quite a few of us on here making a few £s this way. Or old books + CDs on Amazon?

i sold everything i have to sell on amazon and ebay last time i was stuck!!