SOA Advice Needed please

debt_doctor

mattannar wrote: »

So " working class" is classed as being on benefits, Surely it should be benefit class.
Sorry.

Working class can be many things, but the poorest (pressumably those who struggle to pay for housekeeping) do themselves no favours in relishing the fact they can feed themselves for next to nothing - it simply nails themselves to the floor and keeps them down.
People of very limited means can be very inventive in survival, Ive had to do that myself - however it never, ever makes it normal.

.....and certainly forms no part of the Insolvency Act 1986.

DD

sort_me_own_yard_out

I am really interested now to hear how many of the super scrimpers are former bankruptees, currently bankrupt or planning to become bankrupt. Or do you just lurk waiting for an SOA to come up so you can get your claws into them.

The "penny dropping" moment of realising you need to declare yourself bankrupt is not an easy one. It's hard one. I realised I needing to do something when I physically didn't have the means to do a supermarket shop two weeks before payday. Nothing not a bean. The OP may of lived like this for years. We don't know.

The OP has come onto this board (and rightly as the advice, support and knowledge is amazing) to ask a simple question. Even stating that their metal health is fragile and not looking judgement. I wonder how long that person actually sat in the wings waiting to ask one single question probably knowing that they would cause the outrage they have.

What ever your thoughts are what ever label you want to put on them just hold your preverbial tongue as you are probably doing more harm than good as it is as simple as they were looking fur advice not judgement.

I do hope you return OP this board has some amazing people that do so much good. I wish you well.

rossireps

mattannar wrote: »

So " working class" is classed as being on benefits, Surely it should be benefit class.
Sorry.

dont want to start an argument really as thats,not what the thread is about. but bloody cheek! im on benefit because the husband of 15yrs just walked out one day. having 3 serious conditions also doesnt help . benefit class whatever next :mad::mad:

evenasus

sort_me_own_yard_out wrote: »

I did a weekly shop on Friday which was £95 and this didnt include meat, or washing powder. And before I am struck by lightening or a clap of thunder I do cook from scratch,I plan meals and but I refuse to eat 12p burgers and rubbish meat!

What on earth did you buy then?

Recently, someone I know mentioned how expensive her weeks shopping bill was, being as it didn't contain meat or soap powder.

When she showed me the receipt - I pointed out that there was an awful lot of packs of 'biscuit' type of stuff, plus other junk. She said they were needed for the childrens packed lunches.

I gave up!

exarmydreamer

Op not been back to this thread, after the comments on his shopping bill. Never mind, hopefully he may see it when he is a little stronger and take in the good advice and ignore the rest. £500 is a lot, but he was looking for advice and guidance.

I regret giving him the advice of moving to the bankruptcy board from the DFW board, but lesson learnt.

We all spend money on different things, maybe he has food intolerences or needs a certain diet for health reasons?.

When will people stop comparing themselves with what others are doing/buying. There are no medals for living on £5 a week, give the OP a break. He probably pulled the shopping figure out of thin air anyway.

Credit-Crunched

I am also a little surprised that you are able to afford to pay a window cleaner!

If you are really that much up against it, that £10 could find a better home!

I know this is not to judge, but seeing a couple on nearly £2k of benefits writing off a £47k spending spree as us tax payers struggle along and fund your £500 food habit a month makes me sick

I spend less than half that for the two of hours, whilst working full time and in turn paying your shoppng bill. (oh and paying back my debt (also known as a contractual obligation)

exarmydreamer

Credit-Crunched wrote: »

I am also a little surprised that you are able to afford to pay a window cleaner!

If you are really that much up against it, that £10 could find a better home!

I know this is not to judge, but seeing a couple on nearly £2k of benefits writing off a £47k spending spree as us tax payers struggle along and fund your £500 food habit a month makes me sick

I spend less than half that for the two of hours, whilst working full time and in turn paying your shoppng bill. (oh and paying back my debt (also known as a contractual obligation)

I doubt very much they were allowed that much credit without jobs. Seems to me that they have lost job or similar, debt always seems more manageable when you have an income to pay all the bills.

sort_me_own_yard_out

evenasus wrote: »

What on earth did you buy then?

Recently, someone I know mentioned how expensive her weeks shopping bill was, being as it didn't contain meat or soap powder.

When she showed me the receipt - I pointed out that there was an awful lot of packs of 'biscuit' type of stuff, plus other junk. She said they were needed for the childrens packed lunches.

I gave up!

Although rather irrelevant as I am not asking for advice to cut my shopping bill just merely pointing out that I didnt feel £500 per couple was hugely extranvagant and using mine as a bench mark and that I think I under estimated the rising cost of food.

As for the contents of my trolly, it was brimming with fruit and veg, myself and my daughter have a particular liking for berries of any description and £9 of it was spent on 4 punnets of berries.

I had a jar of coffee , toilet rolls, a few cleaning bits, juice, juice for the youngest lunch box milk for the week and other quality (not extravagant ingrediants). my meat is bought from the local butcher and that came to £22 including the joint for the sunday roast.

the only pieces of "junk" in there was 3 pack of tic tacs and a multipack of crisps.

exarmydreamer

Credit-Crunched wrote: »

I am also a little surprised that you are able to afford to pay a window cleaner!

If you are really that much up against it, that £10 could find a better home!

I know this is not to judge, but seeing a couple on nearly £2k of benefits writing off a £47k spending spree as us tax payers struggle along and fund your £500 food habit a month makes me sick

I spend less than half that for the two of hours, whilst working full time and in turn paying your shoppng bill. (oh and paying back my debt (also known as a contractual obligation)

On another note, some of these 'benefits', look likely to be for a disability. I know I can't clean my windows due to health problems, (MS) but some land lords require their house to be maintained etc.

sort_me_own_yard_out

This is where you are wrong as I do work and even when made homeless through no fault of my own and the local housing officer advising me to give up work I carried on working. You judge too soon which was my point.