can anyone help please?

lauz8726

hi,i am a single mother of a baby so dont have much free time,i am in quite alot of debt and with a house and baby its spiralling out of control. I have trawled through many threads about how to up your income but as i dont buy alot online cant make cashback even though i have signed up to quidco. ive signed up to the survey sites but i always seem to not be eligable this time for every survey.
Have anyone heard of amber jewellery and if so isit possible to do this without having your own company?
I am very good at selling so anything along them lines would be great...wholesalers who give the items upfront?... i used to work for a company like this before but they shut down and i cant seem to find another 1.
any help is greatly appreciated
thank you x

vikingtraveller

Hi, if you make things you can sell them over at: etsy (add a dot) com

lauz8726

thank you for replying, im not very talented tho,i have tried that but it didnt go very well lol x

vikingtraveller

if you post your SOA (statement of affairs or I&E - income and expenditure) on here someone will help you, is it one debt or more, you could just pay £1 token payments to your creditors if its bad, and if they default you and get a ccj the court will likely be on your side, in my opinion you have to think about yourself and your child before any money grabbing bank, if you don't have the money to pay them back, then tough for them, if £1 a month is all your can afford then again, tough for them

lauz8726

thank you, i am with a debt agency so have rung all my debts and am now paying them each £2 a month back and the interest has been frozen as i have more going out each month than i have coming in but i am aware that cannot go on forever,thats y i was hopeing to do something even if i earn £5 a week,its still a little extra coming off x

Monkeyballs

Hi,

Try contacting the Citizens Advice Bureau and Step Change (Debt charity) as well.

Also, don't bottle up any fears and concerns you have as they will only get worse (your fears and concerns, not your situation) it's good to talk and encouraging words do wonders... Trust me on this one!

Main thing is to remember that you and the baby come first xxx

MB

harrys_dad

lauz8726 wrote: »

thank you, i am with a debt agency so have rung all my debts and am now paying them each £2 a month back and the interest has been frozen as i have more going out each month than i have coming in but i am aware that cannot go on forever,thats y i was hopeing to do something even if i earn £5 a week,its still a little extra coming off x

Good for you trying to earn money to pay debts off quicker. I hope your "debt agency" is a free one like Stepchange and not a paid for one which will really slow your rate of progress.

lauz8726

thank you , yeah im with stepchange. im doing everything i can atm to try to get myself out of this,there just seems to be no way out even though im doing all i can. i realy dont know where to turn next. ive sold every personal item i had that had sum sort of value,the baby has everything she needs but im even starting to not buy myself food just so i can pay bills x

vikingtraveller

approvedfood [dot] co [dot] uk

they sell really cheap things, yes they may be past the "best before" but they are still safe to eat, it just means they aren't their best but ive always found they are just as good hope that link helps, also you need to eat as well as your baby, because if you get ill you won't be able to fully support your baby, think of yourself and your baby first before any DCA

lauz8726

thank you

moohound

lauz8726 wrote: »

thank you , yeah im with stepchange. im doing everything i can atm to try to get myself out of this,there just seems to be no way out even though im doing all i can. i realy dont know where to turn next. ive sold every personal item i had that had sum sort of value,the baby has everything she needs but im even starting to not buy myself food just so i can pay bills x

if you cant afford to eat you need to look at your budget with StepChange, would you be eligible for a DRO? you can pay the £90 fee in instalments.