Am I entitled to anything?

McKneff

worriedinstaffs wrote: »

Monthly Expenditure
Board £300
Pension £58
Car Tax £17
Car Insurance £33
Car maintenance/MOT £20
Diesel £40
Clothing £20
Phone £35
Prescriptions £26
Dentist £5
Haircuts £5
Gifts (Christmas/Birthday) £10
Total £469

The above doesn't include my class 2 NI contributions
Plus credit card and loan payments of circa £500 pcm.

#

Stop the pension payments for now
Bin the car
Wear what you have
Lower the phone tarrif

Throw everything saved above at the cc debts.

Just my point of veiw but your mam is charging you an awful lot of board money just for some extra food, some leccy gas and water.

skintandscared_2

Okay. You may have to come to an arrangement as regards your debts. It's well worth speaking to someone at PayPlan or CCCS to arrange affordable monthly payments. Without those debts, you could manage. Again, I think you will find it difficult to persuade the benefits office that you need assistance paying off debts when you are sat on a £120k asset.

McKneff

If you are ill and may receive ESA then your NI will be credited.

Do you not pay 2 lots of NI as a self employed person.

looby75

worriedinstaffs wrote: »

Monthly Expenditure
Board £300
Pension £58
Car Tax £17
Car Insurance £33
Car maintenance/MOT £20
Diesel £40
Clothing £20
Phone £35
Prescriptions £26
Dentist £5
Haircuts £5
Gifts (Christmas/Birthday) £10
Total £469

The above doesn't include my class 2 NI contributions
Plus credit card and loan payments of circa £500 pcm.

First things first get in touch with one of the debt management charities, for more info try the Debt Free Wannabe board. They will be able to speak to the people you owe money to and get them to accept reduced payments. It will affect your credit rating but unfortunately with such a limited income you have no other choice. The sooner you contact them the better, and it will be one less thing for you to worry about.

Secondly get yourself a prescription pre payment card, it cost £104 a year but you can pay for it in 10 monthly instalments of £10.40 a month. It will cover all the prescriptions you need and save you money straight away.

worriedinstaffs

Okay, sound advice guys thankyou.

I just want to get well and back to work but I'm very aware of the fact that this is a constant worry to me and hampering my recovery.

All the best to all of you!

worriedinstaffs

McKneff wrote: »

If you are ill and may receive ESA then your NI will be credited.

Do you not pay 2 lots of NI as a self employed person.

I pay Class 2 NI.

I'll make an appointment. Can't hurt to ask the question.

Cheers.

McKneff

I think you are supposed to pay 2 lots, Class 2 and Class 4 but ask at the job centre.

Hope you make a speedy recovery.

Annie

Mara69

worriedinstaffs wrote: »

Monthly Expenditure
Board £300
Pension £58
Car Tax £17
Car Insurance £33
Car maintenance/MOT £20
Diesel £40
Clothing £20
Phone £35
Prescriptions £26
Dentist £5
Haircuts £5
Gifts (Christmas/Birthday) £10
Total £469

The above doesn't include my class 2 NI contributions
Plus credit card and loan payments of circa £500 pcm.

You could ditch all of that - and your board is very high. None of it is essential - except the prescriptions and they would come in at £10 a month on a pre payment plan.

You might be entitled to CB JSA six months or CB ESA for 12 months but nothing else - and quite rightly so.