Budgeting Loan

GlynD

justlooking2012 wrote: »

Do you mean applying to charitites?

If so you are telling someone who has her rent paid, gets benefits.
Can afford a laptop, internet, scratch cards and hair do's to apply for to a charity that is designed for people who are genuinely in need. Not spending you're money inappropriately does not mean you are in need. We are not going to agree on this, but you have you're opinions and I have mine.
If you think that telling someone to get more stuff free is a suitable solution then fine, but what happens when that option is no longer there.

Oh and by the way, the only person who has been rude in this thread is you.

You can see from other opinions given that more than I disagree with you. Nobody coming for advice needs to be spoken to that way. You should be ashamed of yourself.

GlynD

princessdon wrote: »

Well they need to change every on line calculator then and other pages


http://www.hmrc.gov.uk/taxcredits/people-advise-others/entitlement-tables/no-work-child.htm

Shows £115 pw CTC, plus £33.70 CB, plus her IS.

They cannot ALL be wrong!

I think they have her claim wrong and she needs to ask why she's not being paid what she needs.

There may be something in that but I think you'd need to persuade her to go through her benefits with you. I'm afraid I'm no expert.

justlooking2012

GlynD wrote: »

You can see from other opinions given that more than I disagree with you. Nobody coming for advice needs to be spoken to that way. You should be ashamed of yourself.

Oh get over yourself, you are advising someone who gets more than adequate money to survive, but you are advising her to go to a charity to get things from them, but I should be ashamed of myself?
I know what sort of person I am and can pretty much ascertain the sort that you are.

GlynD

justlooking2012 wrote: »

Oh get over yourself, you are advising someone who gets more than adequate money to survive, but you are advising her to go to a charity to get things from them, but I should be ashamed of myself?
I know what sort of person I am and can pretty much ascertain the sort that you are.

And we can all see the sort of person you are from what you post here.

iammumtoone

The OP herself was not actually asking for charity, she has asked for a loan which she will pay back.

indsty

Gosh, the poor girl asks a question about a budgeting loan and ends up with people dissecting her entire life !

Kayester - you know how best to control your low budget and if you are sure the loan is the best thing then I hope it comes through OK for you and you can get what you need for the winter.

I wish I was nearer and I would come round with a spare duvet

I am also sure you are expert at finding stuff in charity shops etc - I totally get why you want a new mattress for your little one, and do hope you find a source to get a decent bed for yourself.

p.s. I was really hard up at one time (not any more thank goodness) and I won £50 on a premium bond (I only had 2!). Believe it or not I spent £15 at the hairdressers - didn't feel guilty at all and it really cheered me up to know I was looking human again.

maxiamus

Why cant you have a laptop if on benefits? There are ways to earn a few quid online, that would cover this, im not on benefits, but i make enough online to pay for my laptop & to cover the cost of the internet & extra. Why some cant just answer what was asked I never know, I can see some are trying to be helpful, but its down to op with what she wishes to disclose.

Nada666

indsty wrote: »

Kayester - you know how best to control your [STRIKE]low[/STRIKE] budget and if you are sure the loan is the best thing then I hope it comes through OK for you and you can get what you need for the winter.

Corrected your typo.

wildwestfan

I'm sure she said she had quite a large shortfall on her rent that she had to find. Perhaps she is deducting this from her total which would explain the lower than expected spending power.

kayester

first of all thankyou to everyone who has tried to see this from my point of view. I have read every comment but there is too many for my to quote.

someone did say i was heating 2 rooms? its a 3 story house?
anyway, my mum has now purchased (getting delivered in the next 2 weeks) a bed for me, i already have a mattress which will do until i get a job, and a bed frame and mattress for my daughter, and is dirving me to dunelm in the next few days when she is off work to get all the essential duvets. I will be paying this back to her when i eventually find a job (which i really am going out of my head to find, i only ever have contact with my mum and close family and it really can be very lonely)

so i will be saying no to the budgeting loan if accepted.

as it has been said i have joined various threads on here and i am trying to budgeting and spend less/save more so i can get out of the situation I am in, i hate being in this way,

I don't have ocado near me, i like in yorkshire, ive never seen one just advertisements online. my mum works full time so is unable to drive to many places.
which is why i only ever use asda or morrisons.
we have a sainsburys and a co op in my local area but i find these, especially sainsburys very expensive, they arent big stores just the 'local' ones.

I am getting every benefit available to me i did point this out a few pages ago.
I get CTC 115 pw
income summort 120 every 2 week
and CB 130 every 4 week
my rent is 450 and i get 370 every 4 weeks
council tax is covered.
i get milk tokens £12 every 4 weeks

i buy asda/morrisons own nappies i do have to say that i prefer morrisons better than pampers, and i buy in bulk when i can, you would be supprised how many nappies i go though! My 4 year old has just come out of nappies at night (hes a boy and it has taken him a while to get out of this at night) so hopefully this will save me a fair few aswel, he has a mattress protector so if any accident will not affect his mattress