Totally skint, advice wanted please!

EllaNElsie

Hiya

I am a mother of two, a 9 year old and 13 month old, in a relationship, in the beginning of august I was told that in the last tax year my partner and I earnt too much (£750 over the cut off due to overtime which will not be happening anymore) so our tax credits were cut down from £120 a week to £20 a week.

I had forgotten to take £100 off for every week I received SMP with my youngest which is £4,300 which I hope will make a big difference as they say we owe them £2000, unfortunatly this is going to take up to 15 weeks to go through (5 weeks have gone now), due to the tax credits being reduced by £100 a week I have had to quit my job as I would be just working to pay childcare, I have informed the tax credits about this and given them our new numbers for 12/13 but for the last 3 weeks no payments have been made, not even the £20 which would be a great help.

We have two weeks until my last payday and just over two weeks until my partners payday and we have £8 between us, today ive had to call in sick to work as I cannot afford to get there and im slightly concerned we are going to run out of nappies, food, gas, electric etc before then even though this month we have scrimped on everything, at this point in time we are stuggling to survive, is there any advice?

any at all would be welcome

thanks in advance

Irn-Bru-Kid

EllaNElsie wrote: »

Hiya

I am a mother of two, a 9 year old and 13 month old, in a relationship, in the beginning of august I was told that in the last tax year my partner and I earnt too much (£750 over the cut off due to overtime which will not be happening anymore) so our tax credits were cut down from £120 a week to £20 a week.

I had forgotten to take £100 off for every week I received SMP with my youngest which is £4,300 which I hope will make a big difference as they say we owe them £2000, unfortunatly this is going to take up to 15 weeks to go through (5 weeks have gone now), due to the tax credits being reduced by £100 a week I have had to quit my job as I would be just working to pay childcare, I have informed the tax credits about this and given them our new numbers for 12/13 but for the last 3 weeks no payments have been made, not even the £20 which would be a great help.

We have two weeks until my last payday and just over two weeks until my partners payday and we have £8 between us, today ive had to call in sick to work as I cannot afford to get there and im slightly concerned we are going to run out of nappies, food, gas, electric etc before then even though this month we have scrimped on everything, at this point in time we are stuggling to survive, is there any advice?

any at all would be welcome

thanks in advance

Assuming you have no friends/family that can lend you some money, the easiest and quickest way to make some money is to sell stuff.

Do you have anything suitable for ebay? or gumtree? Baby clothes that you could bundle up. Childrens toys etc

Could you take a pitch at your local bootsale at the weekend? You would be surprised what people buy.

Do you have any old computers games or DVD's knocking about that you could take to your local CEX?

Any old mobile phones that could be sold?

Do you have a coppers jar that you could take to one of those machines in Tesco's that change them up for you?

And as a last resort, do you have anything to pawn? Not recommending it, but in desperate times and so on.

EllaNElsie

Thankyou, everything worth selling has gone in the last few weeks and ive borrowed off of everyone that could lend me any money and havent paid it back yet so further loans are out of the question, so fed up!

shedboy94

EllaNElsie wrote: »

Hiya

I am a mother of two, a 9 year old and 13 month old, in a relationship, in the beginning of august I was told that in the last tax year my partner and I earnt too much (£750 over the cut off due to overtime which will not be happening anymore) so our tax credits were cut down from £120 a week to £20 a week.

I had forgotten to take £100 off for every week I received SMP with my youngest which is £4,300 which I hope will make a big difference as they say we owe them £2000, unfortunatly this is going to take up to 15 weeks to go through (5 weeks have gone now), due to the tax credits being reduced by £100 a week I have had to quit my job as I would be just working to pay childcare, I have informed the tax credits about this and given them our new numbers for 12/13 but for the last 3 weeks no payments have been made, not even the £20 which would be a great help.

We have two weeks until my last payday and just over two weeks until my partners payday and we have £8 between us, today ive had to call in sick to work as I cannot afford to get there and im slightly concerned we are going to run out of nappies, food, gas, electric etc before then even though this month we have scrimped on everything, at this point in time we are stuggling to survive, is there any advice?

any at all would be welcome

thanks in advance

The max you can deduct is £3900 - £100pw for a max 39 weeks...........although if your child is 13 months old, I have to assume that unless you went on mat leave 4 months before the child was born, the 39 weeks wouldn't have fallen within the same tax year? (13 months old, child born Aug 11?)

sniggings

I think you can ring for a crisis loan, I don't think you need to be on benefits to get one, they pay it the same day, if you ring early they pay it into your bank or if not pick it up at your local jobcentre, they expect you to have no money and no other means of getting any, they only allow a certain amount too even though you pay it back, the amount they dont tell you, you have to tell them what you need and they then nearly always say it's too much and only x amount is allowed, I aways think why dont they just say what is allowed to save all the guessing, so what I'm saying is ask for more than you think you need as then you stand a chance of getting the max allowed, I do this and it !!!!es some of them off as they say my request is unreasonable but some understand and say they understand why it's best to ask for more as they say they are not allowed to say the amount allowed :rotfl:

Anyway the number is 08000327952

EllaNElsie

shedboy94 wrote: »

The max you can deduct is £3900 - £100pw for a max 39 weeks...........although if your child is 13 months old, I have to assume that unless you went on mat leave 4 months before the child was born, the 39 weeks wouldn't have fallen within the same tax year? (13 months old, child born Aug 11?)

I was on mat leave from June 2011 and went back March 2012 so 9 months in total

bubbles200957

sniggings wrote: »

I think you can ring for a crisis loan, I don't think you need to be on benefits to get one, they pay it the same day, if you ring early they pay it into your bank or if not pick it up at your local jobcentre, they expect you to have no money and no other means of getting any, they only allow a certain amount too even though you pay it back, the amount they dont tell you, you have to tell them what you need and they then nearly always say it's too much and only x amount is allowed, I aways think why dont they just say what is allowed to save all the guessing, so what I'm saying is ask for more than you think you need as then you stand a chance of getting the max allowed, I do this and it !!!!es some of them off as they say my request is unreasonable but some understand and say they understand why it's best to ask for more as they say they are not allowed to say the amount allowed :rotfl:

Anyway the number is 08000327952

You should be able to get a crisis loan, when my ex left i was a single working parent but i had to reapply for tax credits and housing benefit which left me with no money for 9 weeks (because my ex was still on the electoral role for my address, even tho by this time he was signing on over 200 miles away from mine (not sure why they couldnt check that one with DWP?) I called them as get paid monthly and it was a good 3 weeks until i got paid again. Also a the time i only worked 16 hours a week and with rent, food and all the utility bills coming in it wasnt going to last. My last option was to try a crisis loan which i got £200 to last me which at the time was 3 weeks until my benefits actually got started again.

MrsAnnie

Do you have any gold to sell? It fetchs quite a bit, and is easy to sell to jewelry shops or the cash-for-gold kiosks in town centers.

I'm not suggesting getting rid of anything sentimental or heirlooms. But do you have a collection odd gold earrings or old/broken gold chains?