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Starting again, with a positve attitude this time ..

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  • beanielou
    beanielou Posts: 95,469 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy new house :grin:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Thank you Beanie :D

    Ok so I phoned Tax Credits yesterday and tbh I dont think they even know why its not on from April lol
    So he said it will probably stop from April the 5th until they recieve my renewal form back with proof of what my earnings are or something. I phoned again and she said it wouldnt but if when I renewed I wasnt entilited I'd owe it back. So anyway because there not even sure Im gonna work on it stopping April then starting again after the renewal (knowing my luck thats what will happen lol!), but right now Im using the tax credits to pay the PayDay Loan at £73 a week until the 16th March so I wont really "miss" that money only for paying my debt. I think if I have worked it out right :rotfl: It was late when I got in and tried to work it out lol
  • Aesop
    Aesop Posts: 23,773 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Tax credits are a nightmare, and I was reading some info yesterday about how if you have changes after 2012 April and you inform them, if it is above a certain amount, you won't get the changes reflected in your tax credits until next April and if it is below they will do it.

    Complicated! made my head hurt!

    Did you have a good evening?
  • Yes it was lovely :) It cost him £20 each way in a taxi though :eek: I was like we could have fed us for a month for what he spent in one night :cool: But other than me keep going on how much it cost It was lovely :D

    Tax credits are so confusing lol Im just not going to rely on them thats the easiest way :rotfl:
  • Another Small Debt Update

    Debt Left
    £250Friend (This is my FIRST priority)
    £1100 (Catalouge Debt)
    £100 (Credit Card Debt)
    £375(Payday Loan Debt)

    Total £1825 Under 2k :j

    PAID OFF :j

    £800 British gas debt
    £800 Social fund
    £1040 Rent Arrears
    £1500 Fines
    £1000 Water
    £900 Loan Debt
    £2590 Friend Debt :eek:
    £1290 (Some cleared with F&F offers)
    £
    600 Credit Card Debt
    £200 Payday loan Debt
    Total paid from Jan 2011 £10720 :eek:

    Desperatly trying to clear at least my friend (and the payday loan- but this is budgeted for) before April.
  • Hello all hope all is well?

    VERY bad day here, Work told me they didnt need me in today becuase someone from maternity leave who is full time is back. They now dont think they need me 16 hours a week just the odd days. So where I go from now I have no idea :(
  • Hovel_lady
    Hovel_lady Posts: 4,291 Forumite
    Hello all hope all is well?

    VERY bad day here, Work told me they didnt need me in today becuase someone from maternity leave who is full time is back. They now dont think they need me 16 hours a week just the odd days. So where I go from now I have no idea :(
    Oh, that is bad, sorry to hear they've done that :(

    Would working just odd days mess up your tax credits too much?
    Not sure but maybe someone else on here will know.

    ((Hugs)) xx
  • Aesop
    Aesop Posts: 23,773 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 13 February 2012 at 5:55PM
    Yes unfortunately it will. You have to be working 16.hrs each week.

    The only thing I can think of is to go back onto IS, and you are allowed to work so many hours, they deduct anything over £20 earnt weekly, if that's any help?
  • beanielou
    beanielou Posts: 95,469 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hopefully you could pick up something else with another company?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Im hoping to pick something up, but in the meantime Ive no idea seeing as she gave me no notice. I dont even know what to say to Tax credits? Because she cant even give me an idea if it will be every week or once a month, once every 2 months etc. Im so upset shes done this when she knew Id have to stop everything and its not even been 4 weeks! I feel like she used me why she was away for 2 weeks and her other person on maternity leave and now their both back they dont need me. It wouldnt even be worth staying on with her the odd hours becuase it would cost more in actually getting there and back etc than Id even get in wages! Im so confused.

    I just feel like giving up tbh. No matter how I try to better things something goes wrong. It all just feels pointless ..
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