First Time post on here - felt sick and a loser

bugbabe

do you get dla

weymuffred

Diamondgirl wrote:

Income
Work pension 217-49
Housing benefit 895
Income Support 45.98
child benefit 126.31
tax credits 998
Carers allowance 187-80
council tax rebate 119
TOTAL 2579.58 pm

Outgoings
rent 895
council tax - 119
life cover - 43
gas - 60
Electric - 97
Water (meter) - 79
Telephone/internet - 65
sky/licence - 70
clothes - 125
housekeeping - 900
xmas/birthdays - 83.33
pocket money - 173.33
animal/vets - 119
loan - 210
Ext warranty -14
TOTAL 3052.66

Ive converted all the weekly/yearly amounts to monthly and it appears you are paying out £473.08
more than your income

Debts
HSBC - 12500
GE Money - 1800
Aktiv - 3500
Inland Revenue 760
which of these does the £210 apply to or is that what you pay in total/can you supply the minimum monthly payments & APR for these

Please update with the changes you have made and provide more detail about your debt payments/APR so people can help you further

The advice I gave before was to use a spreadsheet to keep a very close eye on your income/expenditure PM meif you need some further help with this

The 210 a month is the hsbc loan, which comes out by standing order every month, the apr is 7.9

Sinkingindebt_2

DO YOU GET DLA? (disabilty liv allowance!)

Thats 4 times me and others have asked....

weymuffred

jellyhead wrote:

fred do any of you have mobile phones? just wondering, because i just signed up to a really good tariff of £10 a month with virgin, it's for 300 texts and 300 minutes. if you're an ntl customer 2 people can have the virgin deal (and if you pay £2.99 you get a phone), or if you're not with virgin you could pay £15 am month for the tariff.

of course if you don't have mobiles ignore my post and don't get one

can i be nosey and ask why your phone/internet is so expensive? i'm on the NTL 3 for £30 deal which is phone, basic TV package and internet, with free local weekend calls or something like that.

if you've got a BT lije can't you get free internet with sky?

Our area is not covered by NTL. We pay 18-50 a month to BT for line rental, then another 7-99 to aol for aol talk, 29-99 for broadband and the rest is what aol say we make in calls. I know the broadband is high and it is on my list of things to cut down the price.

Sinkingindebt_2

ouch!

Ok with regards to th phone line, use 1899 prefix to get free calls all day (search on here for the deal) put your LR down to the lowest with BT and use the prefix for everything. That should take it down to around £18 about £11 for basic BT and another £7 for calls on top each month. Broadband you can get easily for £14.99 i have 2 meg for that.

straight away your cutting it down to £32.99 pm instead of £65. See above about DLA xx

weymuffred

Sinkingindebt wrote:

DO YOU GET DLA? (disabilty liv allowance!)

Thats 4 times me and others have asked....

My humblest apologies for not answering your question straight away, I am trying to juggle a trillion and one things around but unfortunately was only made with one pair of hands.
My girls do get dla but it is a taboo subject in our house plus they use the pc so I do not want ww3.
I also think you should watch the way you post as it has a bit of an aggressive tone to me or your caps lock key was accidentally knocked.

Sinkingindebt_2

I didnt have an agressive tone at all, I was just asking again, like a lot of other posters. I understand you have alot to struggle with I do too, we are all here to uspport each other, but surely the DLA should be included in your incomings, that was my point? I get IB and I couldnt live without the extra income it generates.

I am sorry if you were sensitive to my post, I just felt you were avoiding answering the question, apologies.

dancingfairy

Hi. Welcome back. I'm glad you haven't let a few put you off. I seem to remember saying to head over to the Old Style board to try and get your housekeeping down, get rid of sky/reduce it if possible.

If you need to get multiple prescriptions have you looked at the Prescription prepayment certificate- it works out cheaper if you have to get more than one presription a month I think. Unfortunately I think it is individuals only. I can't remember if this was mentioned before or not so sorry if it is not approriate. The link is https://www.ppa.org.uk/ppa/ppc/patient.jsp#top

If you get certain benefits though you can apply to get prescriptions free I think but not sure of the details though - sorry.

mrslawrence2003

weymuffred wrote:

My humblest apologies for not answering your question straight away, I am trying to juggle a trillion and one things around but unfortunately was only made with one pair of hands.
My girls do get dla but it is a taboo subject in our house plus they use the pc so I do not want ww3.
I also think you should watch the way you post as it has a bit of an aggressive tone to me or your caps lock key was accidentally knocked.

is there anyway at all that you can broach this subject with them? i see you are also paying pocketmoney - is that going to your other children? i guess it would improve your financial situ in the short term as i'm guessing their DLA isnt going towards their keep. then again if it starts WW3 it might make things very unhappy. but then you are very unhappy struggling with debt, and you need to make as many changes and cutbacks as possible to improve your financial situ.

as regards your broadband - if its any help we're with wanadoo (who are now orange) and we pay £17.99 for a 2meg connection but this includes unlimited free calls evenings and weekends. our landline is with BT and i think it's £9.99 so perhaps you can make a saving there. perhaps aol will be able to do something with your phonecalls? eg match other companies offers to keep you as their customer?

bugbabe

you need to ad your dla then take out of it what you spend or if its your girls why is your clothing and spends so high i feel like you arent telling the full truths about how much you are really getting