Budgeting Loan

Nada666

kayester wrote: »

thanks for the tip and why did you say i was ignoring you please?

I assumed you were. A bunch of people suddenly bumped up in my profile saying I was ignoring them. Since I have never ignored anyone I assumed that it was because they that were ignoring me.

https://forums.moneysavingexpert.com/discussion/4764876

Not sure what is going on.

Anyway, not much relevance to your loan. I think budgeting loans are still being processed pretty much on demand. It is only the non-repayable grants or the crisis loans that are currently subjected to more and more scrutiny.

kayester

Nada666 wrote: »

I assumed you were. A bunch of people suddenly bumped up in my profile saying I was ignoring them. Since I have never ignored anyone I assumed that it was because they that were ignoring me.

https://forums.moneysavingexpert.com/discussion/4764876

Not sure what is going on.

Anyway, not much relevance to your loan. I think budgeting loans are still being processed pretty much on demand. It is only the non-repayable grants or the crisis loans that are currently subjected to more and more scrutiny.

No i am defiantly not ignoring you

ok great thanks. at least that way i can get a new bed (and mattress for little one, dont really want to get a child a used mattress) and pay it back in full.
I am constantly looking for work, so im gathering if i get a job i will be made to pay back quicker too

jacques_chirac

kayester wrote: »

thanks, im from conisbrough, part of doncaster council


thanks for the tip and why did you say i was ignoring you please?

thanks for the advice ive just taken a look at that (im not part of rotherham council though, and no beds on there)

So find the one that is suitable for your area. If no beds are showing on the website, pick up the phone and call them.

kayester

jacques_chirac wrote: »

So find the one that is suitable for your area. If no beds are showing on the website, pick up the phone and call them.

thanks but my question has now been answered about budgeting loan. would much prefer to get new mattress for my children, i will manage for as long as i need to on my mattress ( i do have a bad back too)

GlynD

kayester wrote: »

thanks but my question has now been answered about budgeting loan. would much prefer to get new mattress for my children, i will manage for as long as i need to on my mattress ( i do have a bad back too)

Another reason to qualify for help. See your GP and see if there's any available through Occupational Therapy. They might get you a special mattress free of charge.

Poppie68

For fear of getting shot.....i notice (yes after being nosey) that you got a credit card last week...can you not use that to buy new beds? As you already have a mattress you only need a base. Also notice you spend £100+ a week on grocieries for you and 2 young children, thats a huge amount.

kayester

Poppie68 wrote: »

For fear of getting shot.....i notice (yes after being nosey) that you got a credit card last week...can you not use that to buy new beds? As you already have a mattress you only need a base. Also notice you spend £100+ a week on grocieries for you and 2 young children, thats a huge amount.

Wow.

I got my credit card to up my credit rating. Yes by all means I could use that card. But where would that leave me next month when I can't pay it back in full. In huge debt!!

I dont spend over 100 on groceries? My target is 350 for the month including nappies and all essentials for 2 young children. I do 2 maybe 3 big shops a month. Rest is day to day add ons ect. My children are healthy and always have fresh fruit and food.

I live within my means and I was asking about something that I will gradually pay back in full

GlynD

kayester wrote: »

Wow.

I got my credit card to up my credit rating. Yes by all means I could use that card. But where would that leave me next month when I can't pay it back in full. In huge debt!!

I dont spend over 100 on groceries? My target is 350 for the month including nappies and all essentials for 2 young children. I do 2 maybe 3 big shops a month. Rest is day to day add ons ect. My children are healthy and always have fresh fruit and food.

I live within my means and I was asking about something that I will gradually pay back in full

Do you manage to do any of your shopping in Lidl or Aldi? That's what we did when we were on a restricted budget. Your money goes so much further.

kayester

GlynD wrote: »

Do you manage to do any of your shopping in Lidl or Aldi? That's what we did when we were on a restricted budget. Your money goes so much further.

no i dont have transport to these locations. would cost me much more to travel to these places. i either goto morrisons which is close by or have asda delivered

GlynD

kayester wrote: »

no i dont have transport to these locations. would cost me much more to travel to these places. i either goto morrisons which is close by or have asda delivered

In my experience Morrisons is much cheaper than ASDA but I understand your predicament in that you're too far away from these places to shop there all the time - hence your ASDA deliveries. It must be a Godsend to you to get your groceries delivered.

You've got a helluva job in front of you, to raise your child and make a home for both of you without a breadwinner.

How on earth did you finish up like this? You can PM if you don't want to make it public.