can someone see if i can do things different???

abby1234519

I doubt she wants to lose the security of her house and I don't see the point of debating whether you think she should be working or caring.

How about lets just help her sort her debts out in a manageable way?

NeverAgain_2

...I doubt she wants to lose the security of her house...

Anyone running up £35K of unsecured debt would be advised to see what assets they have which they can use to raise money quickly.

That applies irrespective of where the household income comes from.

abby1234519

NeverAgain wrote: »

...I doubt she wants to lose the security of her house...

Anyone running up £35K of unsecured debt would be advised to see what assets they have which they can use to raise money quickly.

That applies irrespective of where the household income comes from.

Yes but are you taking into account the fact that losing the home would probably unsettle her children....and make life very very difficult if it isn't already! That is my main concern. You HAVE to take the fact that she has two autistic children at home, moving them is really not advised.

HoneysuckleLou

Only things that occured to me was to cut the groceries. We feed a family of 9 on £100 a week or less so should be easy to do with 5 of you - that would save £100. Regarding the water rates, it may be worth contacting your local water board to see if they do a discounted water rate. Sometimes they do if you have certain disabilities/medical conditions. If you aren't metered I'd look into that. We are metered and pay less than when we were unmetered. Its fairer in one way because you are paying for what you are using.

sajaralu

thank you very much the helpful replies.i have gone about doings some of the things suggested.
to the people that think i stay at home because its easier and nicer I would like nothing more than to go to work and my husband the same .by god we have tried but we are at our children school nearly every day having to sort things out .my husband has a degenerative back condition which can leave him with paralisis and I have bad ME.

ashaput

read on some advices there, seems like you need to get a job, even it is indoor job, and you need to cutback soem of your monthly expenses.

iamana1ias

sajaralu wrote: »

thank you very much the helpful replies.i have gone about doings some of the things suggested.
to the people that think i stay at home because its easier and nicer I would like nothing more than to go to work and my husband the same .by god we have tried but we are at our children school nearly every day having to sort things out .my husband has a degenerative back condition which can leave him with paralisis and I have bad ME.

Then it's a good job you live in a country with an over-generous Government that values all of that above the salaries of teachers and nurses. £50k is not a bad package for that little lot (plus the sheltered housing,of course).

Norfolk_Jim

If it was me, I would most certainly look at selling the house and moving somewhere else. Maybe you are not tied to your present location, certainly not by work commitments anyway. You might have other reasons to stay where you are, like family, but if not then consider what you could get for your equity alone in many other parts of the country. I realise that it would be quite an upheaval for you but at least you do have the resources available to you to clear your debts and make a fresh start debt free.

NeverAgain_2

I think the OP is in a precarious position being heavily in debt, but with substantial equity in the house.

Were I a creditor, I would bankrupt her to get that equity to pay me what I am owed.

Of course, that assumes I know about the equity in the first place.

starnac

iamana1ias wrote: »

Then it's a good job you live in a country with an over-generous Government that values all of that above the salaries of teachers and nurses. £50k is not a bad package for that little lot (plus the sheltered housing,of course).

I understand that this situation has hit a nerve with some people but complaining about the benefit system is not going to help the OP. She needs advice and guidance on how to improve her debt situation