Almost maxxed out

Murtle

Firewyrm...you are an inspiration to me. Thank you.

ampafc

desperado1973 wrote: »

I am really sorry that I came to this site. It is nearly 2am and after the unkind words from some of the responces I am unable to sleep. I feel this evening has set me back months and the feeling of being totally over whelmed is back with a vengence.

We have tried everything to get work / get better paid work to no avail. Some people get the work others don't, there is an increasing number of people unemployed, are all those people going to be clearers too? How many businesses are going to close before you can see this with your own eyes.

We have already downsized once and a one bedroom flat is not an option. If fact the cost of moving house reaches into the thousands in any case, and before you all start with the "i moved house in a wheel barrow, walked 20 miles back and forth and still did a full time job" I have done this less than 15 months ago and NO YOU DIDN'T! It is an expensive enterprise in both terms of time and money.

The situation is hopeless, I can no longer even mention any of this to my OH without a row and in fact I have no idea why I'm even bothering with this any longer.

Yes I will be homeless soon, no I will never get credit again, I will have this hanging over me till I die because there is no way out. Whatever.

I particularly liked the "I starved myself for 2 out of every 3 days" I would rather die than live like that, you are a moron!

so that some smug banker can get another bonus on the back of hard working people! you have to be joking.

Feeling sorry for yourself, criticising those who are trying to help you - this will not do you any good.

Your attitude needs to improve.

DCFC79

OP has your partner looked at the xmas temp jobs available, register with agencies and get yourself put forward for the jobs.

DS4215

There is also the freelance sites - Peopleperhour/elance/freelancer/odesk, etc where you might be able to pick up work from the comfort of your settee. Yes, it is difficult to get work when you first start out and you might need to work for buttons, but if you are any good and can build a reputation you can earn a decent bit of money that way.

speeddial

This is only a suggestion so please don't shoot me down.

Is there anything in particular that is tying you to Dorset? Apart from it being a beautiful part of the world?

The reason I ask as you are renting there isn't really anything keeping you there like a long drawn out house sale. Have you considered moving to somewhere in the UK where there are better paid jobs, or jobs that suit you and your partners qualifications better?

I am originally from Northern Ireland. When I was 11 my Dad had to move to London just to get work, he like you was degree qualified and still struggled to find work, that was 22 years ago and he is still there! He had to leave behind me and my 3 siblings and his wife and we saw him about twice a year (Christmas and Summer) just so he could get work to keep a roof over our heads and keep us fed.

When I was 21 I too found that moving to London was the only way to find a secure well paid job. I'm 33 now and I wish I was wth my family and friends back home but that increasingly looks more and more impossible. I have been lucky though, I have only ever applied for 2 jobs and got them both, however I applied in a market where there was plenty of demand for qualified people not in an area of high unemployment.

I think you should look at all your options and this may be one of them, even if it's for 4 or 5 years then retire back to the beautiful South Coast on a low paid job but with no debt. The people on here are trying to help but it seems you have your head set on bankruptcy no matter what.

System

Desperado, I really do feel for you. I can't help with advice because my situation is different, but I do understand how this is dragging you down. Advice re jobs for your partner is very well meant , but I know that in some parts of the country there are just very few jobs of any sort to be found( especially if you are rural) ...or as I know locally literally 150 going for 1 job ( it's difficult everywhere but some areas are much worse),

I think when you get to your 50s and are still this far off from being financially comfortable it is much harder to keep positive than when you are younger ( I know this! my son put it well when he said that he could see why I was more upset that I have made mistakes financially which leave me 'balanced precariously' ..."because you know you have less time to put it right!"). Also as you get older you become aware that with the best will in the world you can't work till you drop, that your back, knees just won't do what they used to.

I hope someone can give you advice, CAB or on the boards here. Very best of luck.

PS being 50+ I also remember that when younger there were jobs to 'walk into', it comes as a blow that it isn't like that anymore...and that too grinds one down.

wayforward_2

lovely heartwarming story of enterprise and triumph over adversity from firewyrm - well done to you. I will just say though that the economy and the EU during the 90's when you were able to climb your way up is vastly different to the world we live in now and whilst i agree with some of the points made to the OP feel that it is unrealistic to expect them to just get a job doing anything. My ex lost his job in February and has applied for 109 jobs with possible 2 interviews - he can't even get a driving job for Tesco when they are advertising. My OH has taken a £15k annual paycut from losing his job in february 2007 (feb seems a bad month for us huh?) and the level of job he had then just don't exist any more.

Best of luck desparado

chevalier

My comments are in blue

desperado1973 wrote: »

Hi
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1150
Partners monthly income after tax....... 0 Can they do surveys, research all bills to get the cheapest deal, do mystery shopping, sell all that is not nailed down on ebay/gumtree to help here?
Benefits................................ 260 Does this include council and housing benefit and working tax credits? Might be worth checking on entitledto.co.uk to see if this is the correct figure.
Other income............................ 0
Total monthly income.................... 1410
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 575 ouch this is nearly half your income which is why i was wondering about housing benefit
Management charge (leasehold property).. 0
Council tax............................. 113 you can ask to spread this over 12 months not 10 to make the monthly cost easier to bare. Also as above about council tax benefit.
Electricity............................. 30
Gas..................................... 30
Oil..................................... 0
Water rates............................. 36.55
Telephone (land line)................... 30 you are spending 56 pounds on phone, cable and internet don't sky do bundles that are cheaper than this?
Mobile phone............................ 20are these payg
TV Licence.............................. 13
Satellite/Cable TV...................... 10do you really need this?
Internet Services....................... 16
Groceries etc. ......................... 200 Can your OH do research on which supermarket has the best deals for you? What about downshifting supermarkets and looking in Aldi or Lidl to see if you can get this cheaper. Also we sometimes do what I call autoshop, ie put the same old in the trolley every week without REALLY thinking if it gets used. So maybe inventorying what you already have in and then meal planning around that would help with this spend. I think you mentioned you have already been over to the oldstyle forum board, but again there are lots of recipes on there that are very cheap. Also star drops and soda crystals are your friend for cutting down on household cleaning products!
Clothing................................ 40
Petrol/diesel........................... 200
Road tax................................ 36
Car Insurance........................... 70 again ouch. Does one of you have points? Is this for both of you? If you have had your insurance policy with the same insurer for more than a year, you are almost guaranteed to be paying too much! Check out the moneysupermarket website to check out this, then if you do have a cheaper option, go via a cash back site to get more money off the deal. I am in my 40's and my OH also and our insurance on a renault laguna estate was only 300 pounds for a year for both of us.
Car maintenance (including MOT)......... 42
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 5
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 13
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0In order to make a proper budget you will need to put a nominal amount in here as well as the present one,
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1479.55

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1300
Other assets............................ 0
Total Assets............................ 1300

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
c/card.........................9309......105.......20
c/card.........................2365......24........0
c/card.........................11000.....160.......20
Benefit over payment ..........1973......8.........0
debt collectors................6548......0.........0
Over draft.....................3700......0.........20
Total unsecured debts..........34895.....297.......-
Have you looked at your credit file recently? Would you be able to get a 0% card to balance transfer that high apr credit card onto? Or would you not get enough of a limit. No forget that idea probably a bad one.

Monthly Budget Summary
Total monthly income.................... 1,410
Expenses (including HP & secured debts). 1,479.55
Available for debt repayments........... -69.55
Monthly UNsecured debt repayments....... 297
Amount short for making debt repayments. -366.55


Personal Balance Sheet Summary
Total assets (things you own)........... 1,300
Total HP & Secured debt................. -0
Total Unsecured debt.................... -34,895
Net Assets.............................. -33,595
Created using the SOA calculator at makesenseofcards.
Reproduced on Moneysavingexpert with permission, using IE browser.

I am sorry that things are so tough for you.

chevalier

ps these were the jobs on monster.co.uk the first page of jobs for blandford in dorset hope they are of some help

Telecomms Technician - RAF or Army
Panache Associates Limited - Blandford Forum, South West - Posted today - £32,600.00 - £32,639.00 Annual Salary
Telecoms Technician / Instructor - Telecommunications / IT Data Networks Purpose To carry out the training development and support for Comms Systems, Data networks including IP addressing / Subnet Masking etc for the Project Falcon. This role is suitable for a technician rather than an operator. You must be able to open, diagnose and fix radios and routers, good technical experience of comms trunk
see details
IT Help Desk Support Engineer (Housing Assoc), £25k, Dorset
EasyWebRecruitment - Blandford Forum, South West - Posted today - £25,150.00 - £25,150.00 Annual Salary
IT Help Desk Support Engineer (Housing Assoc), £25k, Dorset Our client is a Registered Social Landlord (Housing Association) that owns, manages, maintains and develops approximately 17,000 homes across the South and South West of England. Their mission is to be recognised and respected for providing quality homes and housing services. They do this by empowering people, supporting active communitie
see details
Mortgage Services Consultant
Rock Recruitment Specialists - Blandford Forum, South West - Posted 6 days ago - £17,000.00 - £21,000.00 Annual Salary
A leading Estate Agent with offices across the South is looking for mortgage Services Consultants to join their busy and successful teams in various locations. Our client is committed to growing a professional sales team and is looking for Mortgage Services Consultants to qualify applicants and advise on their purchasing ability within a competitive property market. Suitable candidates must have c
see details
CNC Programmer
Swann Recruitment - Blandford Forum, South West - Posted 7 days ago - £11.00 - £11.00 Hourly Rate
Competent CNC Programmer required by small growing precision engineering company, to work in and grow with the business. A reliable, hard worker able to work on your own initiative, you will be tasked with programming and running up to four 7 axis CNC machines with Siemens controls. Although direct experience with these machines/ controls would be ideal, the capability to transfer knowledge/ skill
see details
Client Account Manager
Swann Recruitment - Blandford Forum, South West, DT118ST - Posted 11 days ago
An exciting opportunity for a dynamic and ambitious Client Account Manager to work within a dynamic and forward-thinking company at a time of growth and development. Working to maximise relationships with an allocated client base, developing and increasing business from them, the environment is fast-paced and ideal for an ambitious, dedicated communicator. An understanding of quality Account Manag
see details
Customer Services Manager
Swann Recruitment - Blandford Forum, South West, DT118ST - Posted 18 days ago
An exciting opportunity to lead a newly-established department within a dynamic and forward-thinking company at a time of growth and development. Combining excellent Customer Service skills with leadership ability and an understanding of Sales and Marketing Principles, you will be an enthusiastic, proactive positive-thinker dedicated to continual service improvement and happy to work in a hands-on
see details
Area Sales / Operations Manager
SOS Recruitment - Blandford, South West - Posted 21 days ago
Our client based on the south coast is recruiting for a talented individual form a Vehicle Rental background to oversee their branch operations in the Bournemouth, Weymouth and Blandford area as an Area Sales / Operations Manager The role will be the development of the local hire depots, supporting the branch manager with all staffing, sales development, branch operations in the interest of grow
see details


Head Cleaner
Swann Recruitment - Blandford Forum, South West, DT110PY - Posted 28 days ago
Head Cleaner required for 27.5 hours a week (8.45am start) Monday to Friday, 42 weeks per year and occasional extra cleaning days. The ideal candidate will need to be an experienced cleaner having lead a small team, be hard working, committed and a good team player. The role is permanent so will require long term loyalty and commitment. Please apply by sending your CV to Swann or calling [phone st
see details
Telecomms Technician - RAF or Army
Panache Associates Limited - Blandford Forum, South West - Posted 28 days ago - £32,600.00 - £32,639.00 Annual Salary
Telecoms Technician / Instructor - Telecommunications / IT Data Networks Purpose To carry out the training development and support for Comms Systems, Data networks including IP addressing / Subnet Masking etc for the Project Falcon. This role is suitable for a technician rather than an operator. You must be able to open, diagnose and fix radios and routers, good technical experience of comms trunk
see details
Business Development Executive B2B
Swann Recruitment - Blandford Forum, South West, DT118ST - Posted 28 days ago
An exciting opportunity for a Sales Professional with previous Business to Business experience to join our dynamic and forward-thinking team at a time of growth and development, playing a key role in an expanding Business to Business sales strategy. Working to identify and maximise opportunities, with the passion and belief to exceed sales targets, you will be tasked with consistently developing t
see details
Software Test Engineer (TestStand) - Wimborne, Dorset - £40K
Spectrum IT Ltd - Wimborne, South West - Posted 4 days ago - £30,000.00 - £40,000.00 Annual Salary
Software Test Engineer (TestStand) - Wimborne, Dorset - £40K Software Test Engineer (TestStand) required to join my client who is a leading Aerospace company in Wimborne, Dorset. The ideal candidate will be responsible for testing various software builds using TestStand on new and existing programmes across my clients product range and will need to be able to operate in a variety of different area
see details
Accounts Assistant
Swann Recruitment - Shaftesbury, South West, SP78QD - Posted 4 days ago - £7.50 - £7.50 Hourly Rate
An opportunity for an organised and efficient Accounts Assistant to join a busy local specialist manufacturer during a time of change, providing support in the day-to-day running of the Accounts Department. Undertaking Sales Ledger, Purchase Ledger and peripheral tasks as part of a close-knit team, you will be experienced and competent in these areas. Initially a temporary position from 1st Decemb
see details

Customer Advisor
BARCLAYS BANK - Shaftesbury, South West, SP7 8JD - Posted 4 days ago - £12,665.00 - £12,665.00 Annual Salary
Cashier We have opportunities in this role in Shaftesbury. It all starts with you When a customer walks into one of our branches, they want to be able to get their hands on all the great products and services Barclays has to offer with a minimum of fuss. And the first people they come to are our Cashiers. Whether it's doing the simple things like helping a customer making a deposit, or using y
see details
Test Development Engineer (Labview) - Wimborne, Dorset - £40K
Spectrum IT Ltd - Wimborne, South West - Posted 5 days ago - £30,000.00 - £40,000.00 Annual Salary
Test Development Engineer (Labview) - Wimborne, Dorset - £40K Test Development Engineer (Labview) required to join my client who is a leading Aerospace company in Wimborne, Dorset. The ideal candidate will need to be able to operate in a variety of different areas which include: Production Acceptance Testing (PAT) Developing Test Applications Replacement of legacy manual tests sets onto Automatic
see details
Assistant Manager Travel Agency
Five Rivers Recruitment - Wimborne, South West - Posted 5 days ago - £12,500.00 - £12,500.00 Annual Salary
Assistant Branch Manager – Travel Agent My client in Wimborne, Dorset is seeking an experienced candidate within in the travel industry to assist the Branch Manager in the day to day running of the branch and sales generation, in order to increase Company profitability and reputation whilst providing the best possible service to clients. The Role · To ensure all customer complaints are handled e
see details

tabby_cats_mum

Crikey chevalier, I take my hat off to you, great post.