never ending

The_shuffs

New to all this i to have had a bad week been in hospital for emergency op so am now off work sick both myself and hubby have just been paid but are still overdrawn 2 kids who wont get a christmas so know how you feel so sendung you a hug or 2

sick_of_being_skint_2

tis crap.

i have nothing of value to sell or get rid of. my PC is really old. i'm going to take my mobile to a pawn shop tomorrow to see if i can get something for.

i honestly dont know what to do. i have spent much of today crying/on the phone to people/trying to get money etc to no avail.

angelavdavis

Hiya, sorry you are feeling so down.

£12 pet insurance is pretty high - what pet do you have? Check out moneysupermarket.com and see if you can get a better deal. I cut my payments by £6 for my two cats - not mega bucks, but its nearly £100 over the year.

Do you have a PC (didn't know if internet was on TV) If so, why don't you see if you can get taken on by 82ask to do some evening work? See http://about.82ask.com/jobs/

Some of the MSE members have been signed up recently but they are still recruiting and it could be an answer - particularly to paying off the family debts. OK, it won't guarantee you anything by Saturday, but it might get at least some of the family paid off by Christmas which would make you feel better.

Alternatively, why don't you see if you can get a pub job - particularly over Christmas period? It is sociable and stops you spending, a bit tiring (I worked full time whilst working in a pub) but it gets you out and stops you using electricity at home. Its not mega-bucks but every little bit helps.

As tobedifferent says, you really need to keep a spending diary - as you are starting the new job Monday, make sure you make up some sandwiches and tea/coffee to stop you spending money at lunchtimes on lunch/breaks. Even if you find that tea/coffee is available to you, you are covered in case you need to pay for it. It also stops you going out at lunchtime around the shops.
I saved a lot of money (£70 per month:eek: ) by avoiding the canteen.

Its worth starting as you mean to go on!

Good luck with the new job!

vivaladiva

Hi
Sorry you're feeling so down.
Its not going to help in the short term but your contents insurance seems rather high. I only pay £170 pa for buildings and contents.
Have you checked out the money from anything thread? Might be some ideas - I'm off there next.:grouphug:

evie451

Sorry to here of your troubles SOBS. Have you had a look at the mystery shopper boards at all?;)

itsarichmansworld

Hey Sobs I cant offer you much as the guys have already pointed out what I would say, But Hugs anyway hun.

sick_of_being_skint_2

pet insutrance is high cos my dog has a on going medical complaint so ican switch cos he wont be covered xx

already onto getting a weekend job. am a mystery shopper too!


thanks x

pudding06

the person knows I dont have it but it isnt their problem as they quite rightly told them.
They are the guarantor on my rented house and are threatening to take their name off on Monday if I dont have it. If I dont have a gurarntor. I have a week to move out.

Willl this person actually carry this threat out? or are they just trying to frighten you into paying them back?

WIll the landlord accept them withdrawing their guarantor'ship so to speak - after all would they lose out cos presumably they have signed a contract.

Can you give them what you can and promise the rest when you get paid?

If I think of anything else I'll post, sorry I'm not more help,

hugs :grouphug:

pudds

sick_of_being_skint_2

pudds two people hav coem through for me over the last 24 hours - one I have never met who is an absolute godsend and someone who is like a second mother to me but I speak to on a daily basis.

I cant keep relying on people to bail me out, I'm going to get my a*** in gear and get these debts paid off xx

D&DD

Hi sobs good to hear you sounding more positive about things today.:D Its a hell of a time to start sorting your finances out with xmas and all but if you can make a start now after chrimbo it'll be easy..keep at it I think we all found things a bit daunting at the start and having the crutch of the credit cards not available(mine are cut up in the drawer :rotfl: ) is a big step for all of us.Wishing you the best of luck on your Debtfree quest