Oh goodness I've messed up...advice please!

Doozergirl

alasia wrote: »

Yes, I'm talking about £50 a week I'll be earning from my job, but the problem is I now have to pay £60 a week nursery fees so that kind of cancels things out. My only other option is to pay off these arrears as quickly as I can, not buy anything for the baby and hope I can get things like a pushchair for free (hmm) then use all that money for a deposit. It'll be pushing it, but I might have enough.

However, I wont get a reference or my deposit back and I'll be moving house with a newborn..swings and roundabouts really.

You're paying £60 a week in childcare to earn £50?

Get on your local freecycle. The baby can live with a second hand pushchair - but can't live without a roof over it's head!

If you clear the arrears and apologise, do as you say you will from that point on - don't have a chip on your shoulder about it - then you won't lose your home (and deposit and references). If you've paid the rent arrears then how on earth will you not get your deposit back? There's no swings and roundabouts about it. Pay it back, sort things with the landlord, hopefully keep living there. At the end of the tenancy you get your deposit back.

Time perhaps to get back into some proper moenysaving habits. Join the Old Style board and perhaps the debt-free wannabe and make sure you're soing everything you can to save money in the right places.

It just sounds like you're a bit resigned to not paying it back, losing the deposit instead and maybe just thinking everything will work out - life doesn't work like this. Everything you do wrong will come back to bite you on the bum much harder than it would have done if you sort things out straight away. They don't magically turn out okay but if you seek to rectify things immediately, people (like Landlords) sometimes end up thinking better of you for trying.

alasia

Yes that's right, but the point of getting them into nursery was that I would then get childcare costs covered by tax credits - therefore freeing up that bit of extra money.

However today I recieved a letter saying childcare would not be covered, which has blown things to pieces again - that is also why I can no longer afford the arrears repayments.

I thought I explained it clearly enough in my first post

Doozergirl

alasia wrote: »

Yes that's right, but the point of getting them into nursery was that I would then get childcare costs covered by tax credits - therefore freeing up that bit of extra money.

However today I recieved a letter saying childcare would not be covered, which has blown things to pieces again - that is also why I can no longer afford the arrears repayments.

I thought I explained it clearly enough in my first post

I'm going to give up now. I already know you're not getting the tax credits and I read that you were still paying out £60 a week to earn £50. Presumably you're going to do something to alter the deficit.

Whatever happens, you need to make moves to sort out the arrears instead of trying to explain what happened and why, over and over again. How it happened is pretty irrelevant. I've given you some advice to go on, as have others, and you appear to just ignore it and talk to us as if we're stupid. Yet I didn't give my mortgage money to the wrong person this month. If you could have saved the deposit for nursery, you should have waited and done that instead of borrowing money from your new landlord!! Indeed, should have given the nursery, and your child, more than one day to settle in to save the brand new problem you created for yourself. You can't just flit from one thing to another, especially when you don't have the funds that might afford you to change your mind.

You're going to have to find the savings in your budget somewhere or have your children face temporary council accommodation. Both are painful, but one is dignified and solves a situation, the other one is a whole new problem in itself.

alasia

My little ones are 2.5 and 3.5 - the eldest is getting funding, the youngest will be in september but the baby is due mid-july. My youngest (2yr old) is a bit of a diva to be honest; I did think about just using her pushchair for the new baby but having a pushchair to push, and a toddler on either side of me fills me with fear - my daughter would be a nightmare walking I think.

I'm not resigned to it at all, just posted to get clarification on whether, if I pay the rent on time from now on (no problem doing that) but don't manage to clear the arrears anytime soon, the letting agent/landlord may issue me with notice anyway as I've gone back on my word. The LA did say when I asked, that one months' late payment wont make a difference to the reference, but obviously if I can't pay the arrears at all, or only some of it, then I wont get a good ref.

I've budgeted my way from jan-august but now because of having to pay the extra nursery fees, and also 2 dd that didnt go out for water and tv license last week (as I put it towards food), thats messed the whole budget up as they'll charge me double next month, and I'll have less for other things, etc.

I just need to hope I can get this job at the supermarket.

alasia

Doozergirl wrote: »

I'm going to give up now. I already know you're not getting the tax credits and I read that you were still paying out £60 a week to earn £50. Presumably you're going to do something to alter the deficit.

Whatever happens, you need to make moves to sort out the arrears instead of trying to explain what happened and why, over and over again. How it happened is pretty irrelevant. I've given you some advice to go on, as have others, and you appear to just ignore it and talk to us as if we're stupid. Yet I didn't give my mortgage money to the wrong person this month. If you could have saved the deposit for nursery, you should have waited and done that instead of borrowing money from your new landlord!! Indeed, should have given the nursery, and your child, more than one day to settle in. You can't just flit from one thing to another, especially when you don't have the funds to change your mind.

Time to grow up I think. You're going to have to find the savings in your budget somewhere or have your children face temporary council accommodation. Both are painful, one solves a situation, one is a whole new problem in itself.

So you think I should have taken my children out of nursery again...then theyre at home with me so I cannot work, which solves what exactly?

And as for the first nursery...they had a week of settling in sessions, then on their first paid-for session my son was left needing the toilet and in tears, with skidmarks in his pants. I couldnt leave him there, and in the end it was the nursery manager who said he wasn't looking comfortable there, I just agreed.

I've not been flitting around with anything, just trying to do what I thought was best at the time.

alasia

Here's my budget - how do I save on this? If you have ideas I'm listening...

I get £200 per week:

28th - rent £90. nursery £60. £88 gas/elec (due 1st). £40 wages.

7th march - food £100. nursery £60. £40 left + £30 wages - pay towards rent arrears.

14th - £60 nursery. £120 (?) towards rent.

21st -tv license £41.56, bt £60. water £43.50. Phone £30 (from halifax) £60 nursery. Also need food!

28th - rent £90. £88 gas/elec. £60 nursery

4th april - £60 nursery. Buy 2 weeks food.

Thats the general gist of it...

apples1

I give up too!

Good luck. I really hope you are able to make the right choices for your young family.

millym

OP, you need to get in touch with Tax Credits asap and find out what is happening, but in the meantime, you could try for a crisis loan, since you are in danger of losing your job, home and the childrens' nursery places. They might be able to lend you enough to pay the nursery so you can pay your rent. However they are very strict, so maybe talk to the CAB beore applying.

Probably worth applying anyway, and you never know, maybe you will get the tax credits through in the mean time. Good luck - easy to get in a pickle when you've very little money - I've been there myself!

sarahevie

what about the children's father - surely it's in his interest to keep a roof over their heads - can he not help?

I don't know what makes people spend their LHA money on anything but rent, it is madness. What is more important roof over head?

No the landlord will not be able to evict you with your arrears until the end of your fixed term, even then it will take at least two months. But what goes around comes around.

The other thing is how were you intending working the homebased job around the baby - or was it a short term role? Maybe something else would be more suitable.

I say this with a heavy heart, maybe right now you would be better not working and finding something in 6 months when you are settled with the baby.:)

You have two other young kids surely you don't need any baby things. I've bought nothing for my DD2, she's in third hand stuff. I appreciate you may need a double buggy I have a 2 yr 4 mo old and we manage with a single buggy (she wont stay in the double)

Salz

I don't like to make posts like this, but either you are incredibly unlucky or you don't seem to be helping yourself. There is a long thread from last year on how you were in rent arrears, and in July last year you were a single mother struggling and asking us for help.
Firstly, if your kids are that important to you and you are struggling to feed them, why are you having another? If you were single in July and you are single now, why are you pregnant? Well done for trying to get a job, but if you have a baby due shortly then realistically you are going to be very lucky to get a job when the employee will know you will shortly be going on maternity leave, and how on earth are you going to find nursery money for 3 kids?
I notice you were also posting about DRO's, but I haven't looked in that thread.
Seriously, you need to do an SOA on the Debt board and live on Beans on toast for the next few months.