'Will your 2011 be a money marvel or misery?' poll discussion

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Poll started 29 December 2010:
Will your 2011 be a money marvel or misery?
By this time next year are you expecting to be:
Much better off
Better off
Slightly better off
Roughly the same
Slightly worse off
Worse off
Much worse off
Please vote here, or click 'post reply' to discuss below. Thanks
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Will your 2011 be a money marvel or misery?
By this time next year are you expecting to be:
Much better off
Better off
Slightly better off
Roughly the same
Slightly worse off
Worse off
Much worse off
Please vote here, or click 'post reply' to discuss below. Thanks

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0
This discussion has been closed.
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We knew that the VAT increase was going to hit us for fuel, clothing etc, but at the same time we were expecting to be able to clear our DMP out within 12-18 months, so in the long term things were going to counter each other.
DH is disabled, has been for some years, and we exist on benefits. The DWP has suddenly decided earlier this month that they had been miscalculating his IB, and we are now £170 a month worse off. Add that to the fact that this miscalculation appears to be at least 8 years old, and they are still thinking about whether they're going to reclaim the money, and we're seriously worried (we've had nothing in writing so far - the first we knew was a short payment into the bank, and every phone call results in a different/conflicting answer).
So now our DMP will take about 3.5 years to clear, longer if they start taking overpayments back, and we don't even know what our true income is supposed to be to enable us to plan ahead properly.
Happy New Year to all MoneySavers!
If it's their miscalculation they cannot claim the money back (although they might try). However if you gave them the wrong information which lead to the extra money, then you have to pay it back.
If you know which one it is, and it's the first one... write to them as fast as you can and sort out the issue.
It won't stop the £170 shortfall. But it will save you paying back more.
So even without a new job, we will be the same!
If I get a new job, nothing will change but the Savings account
The following year I think the term is financially screwed as I've worked out we'll have increased childcare costs resulting in salary shortfall of £700 a month:eek::eek::eek:
My aim will be to make sure it isn't bad debt and that it is as cheap as possible for as long as possible!
March GC £113.53 / £325