Pregnant married with 2 kids and only £5 till end of month

sugarpants_2

OMG we are so struggling with debt and money its silly.

i cant do a food shop this week so tommorrow morning Im gonna have to go with the pennies in my purse (about £5.00 in change) and buy kids squash,bread,milk,ham and thats IT! We have a few bits in the cupboard and freezer but not much

Im so fed up. Mu hubby works 12 hours a day Mon-Fri and then 5 hours on a SATURDAY for a mealsley wage. HEs just emailed me so fed and wants to quit his job and be on the dole. Wed get loads of benefits and hed be at home with me and the kids till he found a better job.

OMG I feel awful, only my kids are keeping me going. Both our parents are sitting in HUGE houses (we rent and have done for 8 yearsGRR) and they hardly ever contact us or offer to help ie babysit lend us some emergency money :mad:

Any ideas what we should do?

MrsTinks

Start with a full SOA and post in on here so we can see where you're at Without the numbers any suggestions would only be guesses...

sugarpants_2

Ok, havent done one in aaaaaggges so Ill have a go. BRB:beer:

MrsTine wrote: »

Start with a full SOA and post in on here so we can see where you're at Without the numbers any suggestions would only be guesses...

craftdaft

In short term to get some money to last until end of month we're:

• putting stuff on ebay (although need money for postage)
• selling stuff on amazon (again needs postage though)
• taking stuff that didn't sell on ebay and other items to car boot sale (at ours they don't ask for £10 fee until part way through morning)
• looking for gold items (I thought I didn't have any unwanted gold but just remembered about earrings although I'll need to check they will accept them
• home insurance due so going to shop around in the hope that the best deal also gives cash back
• sell old phones

Some of the benefits won't be felt until next month (or later) but even just trying to sort it out means I can stop worrying quite so much (and have less stuff in house!).

VanillaDelia

I am sure everyone is feeling the pinch in January, we sure are.

Surely your husband has more pride about him to stay in his job rather than quit and live on benefits. An employer would rather employ someone who is in work rather than someone on JSA. If he quits, he will only get Hardship anyway.

sugarpants_2

font=courier new]Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 1680
Benefits................................ 181
Other income............................ 0
Total monthly income.................... 1861
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 234
Rent.................................... 875
Management charge (leasehold property).. 0
Council tax............................. 149
Electricity............................. 40
Gas..................................... 30
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 15
Mobile phone............................ 10
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 350
Clothing................................ 20
Petrol/diesel........................... 60
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1825

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 10995....(234)......0
Total secured & HP debts...... 10995.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Visa Nationwide................1200......35........0
Total unsecured debts..........1200......35........-

Monthly Budget Summary
Total monthly income.................... 1,861
Expenses (including HP & secured debts). 1,825
Available for debt repayments........... 36
Monthly UNsecured debt repayments....... 35
Amount left after debt repayments....... 1
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -10,995
Total Unsecured debt.................... -1,200
Net Assets.............................. -12,195
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.[/font]

The_Moo

Quick suggestion: don't spend money on squash - drink water it's free and the 50p might buy you essential food.

sugarpants_2

check out out SOA we CAN afford another child..THANKYOU!!!:o:eek::rotfl:

Blobby8 wrote: »

Why are you pregnant ? It doesnt appear that you can afford another child

sugarpants_2

My kids are fussy !!!!!!s! Dont worry will be buying shops own brand squash and will be drinking water more the next 2 weeks. I thought alcohol was hard ot give up, now SQAUASH too :mad:

The_Moo wrote: »

Quick suggestion: don't spend money on squash - drink water it's free and the 50p might buy you essential food.

VanillaDelia

Where are all your Car maintanance, MOT, Tax and Insurance costs? Also contents Insurance, Internet?

Blobby8_2

sugarpants wrote: »

check out out SOA we CAN afford another child..THANKYOU!!!:o:eek::rotfl:

I apologize my mistake, I thought you were in debt, and had no money for food ?