Bit of advice

Charlie0802

Thank you, would be nice to get some of the advice I've asked for though rather than advice on how to borrow more money for something -_-

[Deleted User]

If you get a job with a Security Company which is an "Approved Contractor", you may be able to work, while your SIA Licence is being processed.

Charlie0802

Working as a door man would be unrealistic, we have no transport so he would rely on buses and the majority of that kind of work is night hours so there wouldn't be buses at 3-4am. Even if we could afford a cheap run around the insurance would be way to high, talking around £2000 a year, which as you can see we would still not be able to pay off anything AND pay for the insurance, we have looked into this as well as warehouse work but the same problem with transport arises.

If we were going to pay out for transport then he would most likely become a s/e mobile mechanic which is the eventual goal leading to a proper unit/garage one day. That's our 5 year goal but right now that's not the issue.
I need to get this debt sorted one way or another before we think about that. That's number one priority. Once this is sorted we can think about getting transport and working and no doubt then I'll be back on here asking for advice on IPA and self employment.

I've been up all night and came to terms with the fact that BR is probably the only option I have, however I will not let this get me down, we all stumble in life and I am glad to have made these mistakes whilst I am young and learned relatively early on in life. I'm counting down the days till Tuesday now and I've marked it on my calender as the beginning of the beginning.
I shouldn't have been so stupid, would've done it differently if I'd knew then what I knew now and could've sorted things out a lot sooner if I hadn't been scared to own up to the problem, but should've would've and could've aren't going to changes the facts now so it's time to make a change.

Should I cancel my direct debits now for everything other than HMRC overpayment and then see what happens on Tuesday? Save up what hasn't been spent on DDs for either the £90 DRO fee or the £525 BK fee?

[Deleted User]

Who said anything about him becoming a doorman?

I'm thinking more along the lines of Security Guard.

As for transport, what about a moped/small motorcycle?

chrisico

Does your current partner and his 3 children who visit,I understand, three times a week,contribute nothing to their keep? Is their contribution included in the total?

Does your son's father pay anything towards his son's expenses?

Could your partner do any job at all? It is lovely to have dreams and ambitions but, as a previous poster says, needs must and we can't be picky when we are in a hole.

Other than that, I think your food bill and phone need to be trimmed a little. I think you need to ask yourself if you do need a hair cut every month.The electicity bill is very high, is that to pay off an outstanding amount as well as on going use?

Have you heard of the 'snow ball' debt repayment scheme where you pay off the minimum on all but the smallest debt? Clear that one and go to the next smallest debt, rolling up the amount you have to pay off on the next largest and so on. I've not explained that well (!) maybe you could google it.

If you have some sort of idea or plan of attack when you have your appointment, they will see that you have thought this through and even if you don't go down that route in the end they will treat you seriously and see that you are wanting to sort this out.

Good luck and best wishes.

Chris

Charlie0802

Would still have to pay out for the CBT which again in unrealistic right now. He got a moped last summer for £30 and fixed it up to MOT'able standard thinking that his license would allow him to ride up to a 125cc with L plates on but the law changed before he acquired his license meaning a CBT would be in order.

Charlie0802

chrisico wrote: »

Does your current partner and his 3 children who visit,I understand, three times a week,contribute nothing to their keep? Is their contribution included in the total?

Does your son's father pay anything towards his son's expenses?

Could your partner do any job at all? It is lovely to have dreams and ambitions but, as a previous poster says, needs must and we can't be picky when we are in a hole.

Other than that, I think your food bill and phone need to be trimmed a little. I think you need to ask yourself if you do need a hair cut every month.The electicity bill is very high, is that to pay off an outstanding amount as well as on going use?

Have you heard of the 'snow ball' debt repayment scheme where you pay off the minimum on all but the smallest debt? Clear that one and go to the next smallest debt, rolling up the amount you have to pay off on the next largest and so on. I've not explained that well (!) maybe you could google it.

If you have some sort of idea or plan of attack when you have your appointment, they will see that you have thought this through and even if you don't go down that route in the end they will treat you seriously and see that you are wanting to sort this out.

Good luck and best wishes.

Chris

My partners has an agreement his his ex that he cares for the children half of the week as a sort of 50 50 responsibility at minimum and and other days on top that she asks so she doesn't ask for any money.
My sons father is an !!!! to say the least so I won't go into that.
My partner can work and is looking at any option possible, signed up to countless agencies and trying very hard changing his CV to cater for every single job he applies for so lack of trying isn't the issue.

The groceries bill is so high because we do have four children to feed 50% of the time and prepare packed lunches for if we have them during the week also.
I don't have a haircut every month in fact I haven't had my hair cut in nearly 5 years. It alternates between the four kids 2 at a time having it done every two months.
The electricity bill is substantially high as the heating system is very VERY expensive, in order for me to have the heating on for 2 days, using it 4 hours per day this costs £10 so spending out £150 on gas plus the £10 a week used for cooking and the meter fees again is unrealistic so I have to use a small electric heater.
I spoke to the landlord about this a couple of months back and they said they can only afford to either double glaze the house or pay for a new heating system. The old windows were the lead ones with drafts everywhere so I decided on the windows as it'd be pointless trying to heat a drafty house and defy the point in having a new heating system.

I have spoken to Shop Direct today the majority creditor and they have advised me that repayments will be rising to around £500-600 in July so even paying off the smaller debts first leaves more being racked up on interest with these than would be affordable paying off the smaller ones.

On the upside though my partner does have an interview on Wednesday regarding a garage position applied for so fingers crossed for this.

chrisico

After reading that through I think that the extra mouths you have to feed should be on the statement, as well as the extra adult that lives with you, as that is not an unreasonable amount to spend.

Marshall all the facts, get all the paperwork in front of you so that when you have the phone interview you are well prepared and sound serious and mature. These things go a long way in my experience. Have some sort of plan, even if it isn't that workable so that the interviewer has as an impression of a person who means to solve this. Mention the job interviews, explain the extra children you have to look after, tell them about your son's father. These are all mitigating facts. People are very willing to help if they can see the true situation and think you are really trying.

One of my daughter's got into a similar situation and got out again,not easily, but given time and determination. You can do this. As they say, 'put on your big girls pants', get it sorted.

I think you will come through this a stronger person and although it won't be easy and at times you will feel like throwing in the towel, when it's done you will be able to look
the world in the eye and be proud of what you achieved.

I wish you all the best and look forward to an update on your progress.

Chris

[Deleted User]

Charlie0802 wrote: »

Would still have to pay out for the CBT which again in unrealistic right now.

CBT isn't all that expensive.

Around £100.

If it would enable him to get a job, then it'd be worth it.

Charlie0802

£100 may as well be £1,000,000 right now and job or no job the debts still remain. I've not asked for help finding a job just advice on my next step. Not my partners as he may or may not be a permanent fixture in my life I want to sort out my debts first of all.