URGENT Help Needed-26yo disabled guy with £16.000 Debt,Monthly;£860in out:£760

emmy2007

Hi DiD

Sorry about your debt, but you're on the right track now. Just wanted to throw my 2 cents into the mix. I understand that you don't want to live on hand-outs, but if you are entitled to benifits, you should claim them. The bottom line is, you work hard, you pay your taxes (I presume:D ) and therefore you are entitled to claim benifit. I know it may seem like you don't want to "be living off the state" so to speak, but that is why we have a welfare system. So that everyone who needs a little help can get it. There is no shame in claiming what you are entitled to, esp when you are stuggling to make ends meet. Like I said though just my 2 cents worth

Toto

There is no shame in being in debt or claiming benefits to which you are entitled. You're only giving the MPs a bigger pay rise by not claiming. Those benefits have been decided by the government, not you, they are designed to help you have a fair chance, the same as an able bodied person. You most likely do need to spend extra on transport, you can't work full time or have quite the same career choices as someone else. I have a disabled child and I make sure she has every penny she's entitled to.

As far as your debts go, welcome to the club. We've all made some dodgy money decisions over the years and we're all either fighting our way out or have finally escaped from our debts. I really do think chatting with payplan or one of the others mentioned will give you the help you need to repay the debt in a reasonable time, but also allow you to eat 3 meals a day and have a life.

itsarichmansworld

I agree with toto and emmy you pay taxes so look at it as just taking back what you have paid.

My brother is disabled and he feels the same but I pay my taxes and would rather benefits go to people deserving of them go to entitledto site

joeblack066

Hi there!!Just had to amswer, am disabled myself, tho not severely,and I too will not give up working for a living. I have claimed DLA, but am not deemed immobile enough and I accept that. If however, you are entitled to DLA, then you must claim it. It is intended to give you the extra things in life so that you may continue your independance as people without disability do. Are we to assume then that your income is made up only of earned wages? **HUGS**

g_attrill

The benefits are there to be claimed and if you are missing out on some benefits by working you need to be sure you are claiming everything you are otherwise entitled to. This page has some useful information:

http://www.direct.gov.uk/en/DisabledPeople/FinancialSupport/index.htm

Fran

disabledindebt wrote: »

...
Because i work i dont have every benefits id be entitled to nor i would like as im not the kind of person to sit home n wait for the benefits to come in...ive been told i should get least two more ..have help with transport costs at the moment -DLA, ....

Because you are working though (presumably over 16 hours?) you are entitled to Working Tax Credits with a disability element - are you claiming that? You can also maybe get help with rent (Housing Benefit) and Council Tax (C Tax Benefit).

disabledindebt

I apreciate and understand i might being losing out on benefits that im entitled to.. my part time work is becoming very hard and i never wanted to give up i was almost like "forced" to give up on full time to go on part time due to my progressive nerve disorder which it caught me by surprise...thats another story i try to forget.... i feel its starting be hard at work nearly everyone there keep telling me that im taking too much on taht i dont have to work...if it would be them in my situation they'd go home and let state help with benefits ..thats exacly where i do not wat to be, im really sorry im bit of stubborn guy but i know whats best for me, i know the best for me ios not staying home waiting for benefits while my conditions eats me up..sorta speak.. Ive allways wanted to be independent .. iknow has been so hard and dificult, my doctors wnat me to have carers but i know it will put me mentally down ... ANYWAYS PLEASE I DONT WANNA TALK BOUT MY PERSONAL SAD LIFE as im sure im not the only one out there....

Like it has been said here i think im going in the right direction...ive swapped both gas and energy suppliers to one supplier-powergen- hopefully it might save me least £10..

I've Transfered my capital balance ..90% to 0% interest for...it said 12 months...today Halifax said 9 months..god knows who is wrong lol,as long they dont charge me...

I forgot i use my overdraft £400 on barclays current account to help pay barclaycard sometimes... it helps.. I just wish i would have read the small print where it said i could pay more than just the minimun repayment a month...

Im still looking for a credit card 0% balance transfer for my barclaycard debt-£7400...if i cant find ill try my best to decrease it n keep trying to apply...

ps; for some reason i feel little bit relieved being in this site..it really calms me down. Thank you all.

lynzpower

ps; for some reason i feel little bit relieved being in this site..it really calms me down. Thank you all.

Hey! We all feel like this- which is why we are all still here

One thing Id say- do claim all your entitled to. At the very least you should be eating 3 meals a day ( plus the rest as I do ) ANd you can do all this on a low budget- do head over to the old style board. I dont know if your disability means that you find preparation of meals difficult or tricky ( there are a number of kitchen equipments that might help- make sure you get hold of peelers, can openers or whatever will help, your local social services will provide what you need TO MAINTAIN YOUR INDEPENDENCE, not take it away )

It might be an idea to post your food money budget and any difficulties you have in food prep ( if this is relevant) over on the OS board and we can help you prepare good food for pence.

Hope I havent spoken out of turn , but I used to work in social services with people with disabilities ( and elderly people whos hands arnt quite as agile as they used to be) and food prep was one thing people rarely mentioned ( but I always asked cos im obsessed with food LOL)

If you do need any peices of equipment to help, do call your local social services dept adn request an assessment, where in a few weeks later you should get what you need.

lynz x

lizzie12_2

Good advice there from lynz....... I have noticed a booklet in the boots stores with items for help with daily living. Perhaps you could have a flick through that - may have pictures of what Lynz has mentioned.
Is your property adapted for you to manage, not being nosey here - but if things are a struggle, that could get you "down" or "wind yoou up" so to speak.

You mentioned family and friends in other posts - have they offered to make you a meal? may help with costs etc.
Anyway, take care.......

beanielou

Hi & welcome.
I think you should put in a claim for Working tax credit with the disability element.
I do think on your income you will be struggling to get the credit limit that you are looking for.
If you bank with Barclays I suggest that you open a new account with another bank to get your wages paid into.
Take care & keep posting.
By the way Im disabled too& this is brief as I only type with one finger!