Looking for support and advice not judgement here

MTDancer

I feel for you. It must be so hard to realise that you have to do something about it. Try to keep to Martin's Mantra - Do I need it - Can I afford it. I understand that it might be hard for your wife to get a job in a supermarket or shop. Having been a middle manager she will probably be thought of as too qualified. I am 52 and have been looking for any job for 2 years and I do not even get interviews these days. I was often told in the past that I was too qualified to be a cleaner (despite having owned and cleaned a guest house in the past).
All I can suggest is that she keeps on trying - one day someone might employ her and it could make such a difference to you.
I wish you luck in the future

Gulliver2011

So with what now appears to be £80 in circulation - can anyone suggest a good method to getting a banger car? And how much I should be looking to pay?

immoral_angeluk

Gulliver2011 wrote: »

Yes I use public transport everyday and ride to the station and then walk to work - so I don't even need a car - in my dark times I thought I would just rent a room inclusive of bills for £200 a month and have almost £1800 left over sometimes feels appealing and does feel like I am paying for my wife and step son a lot.

If she's not working then you are supporting her fully.

It doesn't sound like you need a car at all, so I'm confused why you're renting a car at all? Could you clarify?

iamana1ias

immoral_angeluk wrote: »

If she's not working then you are supporting her fully.

It doesn't sound like you need a car at all, so I'm confused why you're renting a car at all? Could you clarify?

For the stepson, apparently

silvercar

By acknowledging the financial mess you are in you have taken the first step is sorting out this mess.

Next comes involving the rest of the family in the process and in realising that cuts will have to be made. But now you have started on the path and the road is well trodden by the good people on here, so plenty of advice and support is available.

Best of luck with it.

alastairq

hi...and welcome.

regarding your bankruptcy?

Did you petition yourself?

Or were you 'made bankrupt' by another party?

NeverAgain_2

...so with what now appears to be £80 in circulation - can anyone suggest a good method to getting a banger car? And how much I should be looking to pay?...

There's no foolproof method, but what people on here are correctly saying is a banger car can also be a reliable car.

Lots of motorists get good service from cars costing between £500 and £1,000.

You need a little expertise - and luck - to buy one.

Have you a friend who's interested in cars?

If you post the question on the motoring board you'll get a few more pointers.

alastairq

or.....in my case, less than £400?

Penelope_Penguin

Gulliver2011 wrote: »

Would I be entitled to tax credits then even though I am bankrupt

BR has no impact on your ability to claim benefits or tax credits.

fiveyearplan

Penelope_Penguin wrote: »

BR has no impact on your ability to claim benefits or tax credits.

However, in your case I'm assuming that your child's mother claims the child benefit, so has the entitlement to child tax credits. On your current figures, you're unlikely to be entitled to claim working tax credit.

The child is his wife's son so the household probably does claim the CHB.