Finances, debts

saorsie

Sky are one of the easiest organisations to barter with. If you are still in contract try ringing them up and explaining that you are struggling and ask if they can reduce your package at all. If you are out of contract, tell them that you can no longer afford them and that you're cancelling ~ they will usually offer you at least 50% off for 6 months, might be a bit of breathing space to convice OH that he can in fact live without it

Your £130 monthly payment to Littlewoods seems high ~ are you paying off arrears?

Water rates at £40 also sound quite steep for a smallish household, is this metered? If not, it may be worth looking at


somethingcorporate ~ obviously you are entitled to your views, however I'm not sure how helpful it is to suggest that someone 'grows a backbone'. The OP has come on here as a new member of the site, asking for help and advice to manage their situation not to be subjected to rudeness. Kindly adhere to Martins request that the DFW forum is kept non-judgemental and that posters are treated with respect

-s-

RAS

You really need to do a proper SOA as some things are missing.

Nm2bns wrote: »

incomings -
partners wage - 850pounds
my student bursary - 600
child tax credits - 200
child benefit - 90
working tax credit - 45
student loan - 550 3 times per year... my first one of this academic year went on catching up with late child care fees.
my next student loan is in january, same amount, then my last one will be in april, again same amount.

You need to apply for DLA. As far as I am aware, that has no impact on any other benefits your recieve.

outgoings -
rent - 525
council tax - 170 (this is with my student 25 percent deduction, but my partner owes from last financial years council tax bill so is paying that too) when does this extra payment end?
electric - 70 -both these are high. Do you use energy saving lights? Turn off lights and everythign else when you are not int he room?
water rates - 40
gas - 60
tv license - 12
car insurance - 150 - is this per month?????????
Car tax????
Car maintenance????????
diesel - 150
food shopping - 150
sky tv - 60, he wont give up stupid sky sports channels
bt phone and internet - 50 - this is high - check for cheaper deals
child care - 250
my bus fare/train fare for placement and uni - 100 - are you able to reclaim placment transport costs?
sons lunches at school 25 pounds
Christmas?
Birthdays?
Going out?

Debts

littlewoods - 130 I assume that this ia a debt?



debts -

I owe approx 2000 pounds but to various creditors in little amounts.
partner owes 3000 lloyds credit card and loan, 500 store card, and 3000 for a HP car off welcome finance what he gave back after a couple of months as he couldnt afford the payments, so not got anything to show for it.

Ive just managed to get onto my hospitals nurse bank as a support worker until i qualify in august,

Can I suggest that admirable as it is, this is the wrong time for you to be tackling your debt.

You qualify in August. So you need to concentrate your efforts on qualifying and getting a job.

Once that is in place, you need to tackle your debts.

chivers1977

Defintely apply for DLA for your son. My DS doesn't even have an ASD dx yet, only dyspraxia and sensory processing disorder but he still got awarded High Rate Care and Low Rate mobility. It is £372 per 4 weeks plus your tax credits go up significantly. There will be loads of extra expense that you have ie having to drive him due to his autism, clubs, activities etc.

Use the Cerebra guide here http://www.cerebra.org.uk/English/getinformation/publications/Pages/DLAGuide.aspx

Good luck!

somethingcorporate

I forgot I had wandered onto the DFW section where we have to treat newbies like this isn't the real world, so I apologise if I caused any offense. Luckily for those that can handle the cold, hard truth the financial world is not all cuddles and sunshine!

Asking for a F&F reduction is not paying all your debts, it is trying to weedle out of them. Fortunately they are generally only offered to people who have already screwed up their credit files for a long time so go ahead and fill your boots - little incentive for creditors to offer them until you are proven to be in financial difficulty.

Make a grown up decision and prioritise paying your debts and keeping your credit file in tact rather than being able to watch football whilst your finances go to hell in a handcart.

Good luck!

Sooki

chivers1977 wrote: »

Defintely apply for DLA for your son. My DS doesn't even have an ASD dx yet, only dyspraxia and sensory processing disorder but he still got awarded High Rate Care and Low Rate mobility. It is £372 per 4 weeks plus your tax credits go up significantly. There will be loads of extra expense that you have ie having to drive him due to his autism, clubs, activities etc.

Use the Cerebra guide here http://www.cerebra.org.uk/English/getinformation/publications/Pages/DLAGuide.aspx

Good luck!

Yep! You may also be entitled to a vehicle thus being able to get rid of a lot of your car expenses.