How much do you live on per month?

maganan

Sequeena wrote: »

Thank you both, I am so so happy today all I've done is cry!! I'm not sure if I mentioned my OH has not long qualified for working tax credit but he has been told he also qualifies for the disability element of the benefit (because of his back/pelvis and because he has a severe speech impediment - he had meningitis when he was under 1 and the illness left him with the impediment).

The lovely person on the phone who told him also said because he is getting this I now qualify for the £500 surestart grant. We can afford to buy our son a cotbed/wardrobe NOW instead of saving which we were originally going to do (we were given a wooden swinging crib which we are using until 6 months or when he starts pulling himself up).

So so happy

I'm so happy for you both! I really hope this is the beginning of a new start for you, but most of all enjoy spending your surestart grant on what it is intended for, hopefully this will will be and upturn in your life fortunes.

Good luck and much love, enjoy the moment and good luck for the rest of your pregnancy

Kate x

getmeooutofthisdebt

Thx Miggy for the support. Still catching up on here, interesting stories and a great help

RuthnJasper

getmeooutofthisdebt wrote: »

Thx Miggy for the support. Still catching up on here, interesting stories and a great help

I echo Miggy - good to have you on here GMOOTD! Well done you on taking proactive steps to sort yourself out. I got an IVA (4 years, increased to 5 due to a change in circumstances, approx. 18 months left to go). It was TOUGH. But SO worth it - because now there is an end in sight to the debt.

Things WILL be a bit hard, but stick with it - it won't always be like this - and keep smiling! You'll get there!

I'm a bit of a 'lurker' on here - but was thrilled to read Sequeena's post - that's fab news. Hope your little lad enjoys his new bed!

Love to all,

Ruth & Jasper-dog! x

miggy

RuthnJasper wrote: »

Love to all,

Ruth & Jasper-dog! x

Hello Ruth - nice to see you again! I can't offhand remember whose thread we both used to hang out on but it must have been a while back. It will come to me at some odd hour when I'm nowhere near a computer. How are you and how's Jasper?

(Sorry to hijack - I was trying to lurk but I haven't got the hang of it. I'll skulk off and sit quietly in a corner).

getmeooutofthisdebt

We are poor but it is all our own doing and we have learnt a big lesson from our mistakes to only buy what we can afford.

RuthnJasper

miggy wrote: »

Hello Ruth - nice to see you again! I can't offhand remember whose thread we both used to hang out on but it must have been a while back. It will come to me at some odd hour when I'm nowhere near a computer. How are you and how's Jasper?

(Sorry to hijack - I was trying to lurk but I haven't got the hang of it. I'll skulk off and sit quietly in a corner).

HELLO Miggy!!! :j

I DO remember you; how could I not?! I think we met first on an anti-troll-warning thread and then again on Mike's thread just after the DIY-SOS programme (how is Mike doing by the way? Hope he and his two boys are OK).

Cheers for the greeting - MUCH love to you. I'm OK - am in a 'grim-bit' just now - but nothing like the pre-IVA days! Definitely much happier since then. Jasper-dog is well and still blogging (see our homepage - link under our name to the left of our posts) - he's been a bit poorly of late; high possibility that it could be The Big C. But he's generally well - and still capable of being naughty - always a good sign in a man of any description, I think!!

MSE has really kept me going over the past few weeks. I had a REAL low moment two or three weeks ago and, if it hadn't been for the lovely folk who responded to my little rant, goodness knows where I'd be now!

love and hugs to you Miggy. You're one of life's REALLY good ones. xxx

P.S. The latest Jasper-Joke; for all who might need a smile:
Why have African Elephants got Big Ears?
'Cause Noddy can't afford to pay the ransom...

Keep smiling! xxx

getmeooutofthisdebt

RuthnJasper wrote: »

I echo Miggy - good to have you on here GMOOTD! Well done you on taking proactive steps to sort yourself out. I got an IVA (4 years, increased to 5 due to a change in circumstances, approx. 18 months left to go). It was TOUGH. But SO worth it - because now there is an end in sight to the debt.

Things WILL be a bit hard, but stick with it - it won't always be like this - and keep smiling! You'll get there!

I'm a bit of a 'lurker' on here - but was thrilled to read Sequeena's post - that's fab news. Hope your little lad enjoys his new bed!

Love to all,

Ruth & Jasper-dog! x

Thx, life is hard but this topic keeps us going

RuthnJasper

getmeooutofthisdebt wrote: »

We are poor but it is all our own doing and we have learnt a big lesson from our mistakes to only buy what we can afford.

That is a very wise and brave statement, GMOOTD, and a lesson which I have been glad to learn myself.

It was the toughest lesson I know that I've been through since leaving full-time education and the dreaded driving test.

But we've learned it whilst we still have time to benefit from our experiences and mistakes and can face the future poorer - but infinitely wiser.

Don't beat yourself up too much. You cannot change the past, and no amount of regrets or mourning over past actions will erase it. You CAN shape the future - and you are proactively doing so. Be proud of that.

With best wishes to you. Keep us posted with how you're doing. None of the genuinely decent folk in these parts are here to judge or spite you. Most of us are on various decks of the same boat.

Keep smiling. xxx

getmeooutofthisdebt

We are overdrawn by £2000 and are charged £1 a day and overdrawn every day so it is normaly £30 or £31 per month of charges.

If we transfer this to a 0% card for 18 months for a fee of 4% and cancel our overdraft would it be a good move? It would add to our debt already on the 0% making a total of £7000 and the promotional rate ends in Dec 2012.

Is this a good idea please?

Googlewhacker

getmeooutofthisdebt wrote: »

We are overdrawn by £2000 and are charged £1 a day and overdrawn every day so it is normaly £30 or £31 per month of charges.

If we transfer this to a 0% card for 18 months for a fee of 4% and cancel our overdraft would it be a good move? It would add to our debt already on the 0% making a total of £7000 and the promotional rate ends in Dec 2012.

Is this a good idea please?

If there is no interest on the 2000 if you transfer it then yes it is a good idea but you would need to still pay of what you can