Budgeting Loan

justlooking2012

My last post so don't quote me and I will not have to respond.

I am far from an uncharitable person and believe it or not my first thought was to pay for the little girls duvet myself. Butthen when you read further into it which I never thought to do until someone said about a credit card.
I know what it is like to live on an extremely tight budget but to be honest the OP's budget is far from being extremely tight.
She gets, £115 CTC, £60 IS and at least £30 CB per week.
That works out to at least £200 per week, where exactly is this poverty, when my eldest was young, I worked and had no where near £200 to live on once the bills were paid, we probably had sub £100 for food etc. Luckily my situation was only like that for a couple of years.

The OP has a shortfall on her rent, well for her area there are cheaper properties than she is paying. Maybe the house she is in is to big being three storeys and she could consider moving to moving somewhere smaller.

Also I would suggest the OP stops gambling as in her own words she "is usually bad with bets" which would suggest she does gamble.
After reading that along with other things any sympathy I had is gone.

I await the usual whining and ranting

EDIT: I never saw the above post before posting.

Benefits-three storey house-HB does not cover rent-surprise surprise

kayester

dn12

area i live in, trust me this house is cheap!!!!!

justlooking2012

kayester wrote: »

dn12

area i live in, trust me this house is cheap!!!!!

Yes for a three storey house probably but do you really need a three storey house.
Also I would guess it is 3 bedroom being 3 storey's

kayester

justlooking2012 wrote: »

Yes for a three storey house probably but do you really need a three storey house.
Also I would guess it is 3 bedroom being 3 storey's

there are bungalows in my area which are more expensive.
a 2 bedroom bungalow is on right move for £650

its 2 bedrooms and an attick, so only classed as 2 bedrooms

Confuseddot

Glad you getting it sorted. As its currently time for students to start to uni there are usually lots of deals on bedding etc in the supermarkets etc may be worth a look.
Have you applied for council house ?
Good luck

Poppie68

OP i'm sorry if you thought i was berating you in any form, i was'nt. I did mention ASDA duvets on offer, the single is £8.00 and double £12. I have just replaced my 3 daughters duvets with the double ones and they are great quality. My 22 year old is a single mother to a 5 month old and i understand how hard it is, she has just got herself a new job for 3 days a week and she has started college 2 days a week. She had to leave her last job at the start of maternity leave as the hours were not suitable with a baby and they could'nt offer her any alternative hours.
I brought up the subject of the credit card, only because i didnt like to think yourself or your daughter were having to sleep in uncomfortable circumstances. Check your local paper for companies selling beds cheaply, they are not the best of quality but they will certainly be comfortable enough for your daughter for the next few years and you can pick them up for as low as £40.

Dunroamin

kayester wrote: »

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

Unless you're under 18, IS should be £71.70 pw. You've left out child maintenance.

Nada666

wildwestfan wrote: »

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.

Which is partly exactly why people were suggesting that she not waste a budgeting loan on inexpensive capital items that she could really still afford from her regular income.

Nada666

Dunroamin wrote: »

Unless you're under 18, IS should be £71.70 pw. You've left out child maintenance.

Clearly the £60 is with her existing loan repayment taken off.

Nada666

Also don't forget Kayester is quoting weekly/four weekly amounts whereas others are mentioning monthly entitlements. £844 per four weeks is more than £910 per month. Plus the £10 per week loan repayment explains the differences.