Budgeting Loan

kayester

GlynD wrote: »

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.

Yeah i much prefer the quality of the fresh meat at Morrisons aswel, we can only go there when my Mum is able to drive us there.
Otherwise Asda it is, but at least i can watch what I am spending.

I dont mind talking on here, I am 24 years old. I had my son when I was 19 and was still in full time work, i went back down to part time once I had had him. We were in a good situation back then, I had my daughter when I was 21. My partner left us when I was about to go back to my job (part time again) I contacted work asking them to cater for me by changing my hours so I could work it around my mums job and they couldnt/wouldnt
so after 6 years of being in that job i had to not go back after maternity leave. I am constantly handing CVs out and looking for work in my area but as of yet nothing.
I love my children to pieces!

GlynD

kayester wrote: »

Yeah i much prefer the quality of the fresh meat at Morrisons aswel, we can only go there when my Mum is able to drive us there.
Otherwise Asda it is, but at least i can watch what I am spending.

I dont mind talking on here, I am 24 years old. I had my son when I was 19 and was still in full time work, i went back down to part time once I had had him. We were in a good situation back then, I had my daughter when I was 21. My partner left us when I was about to go back to my job (part time again) I contacted work asking them to cater for me by changing my hours so I could work it around my mums job and they couldnt/wouldnt
so after 6 years of being in that job i had to not go back after maternity leave. I am constantly handing CVs out and looking for work in my area but as of yet nothing.
I love my children to pieces!

It's a story which happens all too often. I feel genuinely sorry for you, mostly because you seem like such a decent person. Don't lose hope though because things will get better, espeically if you follow the advice given here. Many of us on MSE, including me, have gone through bad periods - mine was quite recent and we were living on £50 a week. Thank God that's behind us.

If there's anything else you need help with then just ask. If you're too embarrassed to say it in public PM me or someone else who you've met here and ask.

Don't forget: tomorrow, phone the St Vincent de Paul and make an appointment with your GP to see if you can get a special mattress for your back through Occupational Therapy.

You're not alone.

kayester

GlynD wrote: »

It's a story which happens all too often. I feel genuinely sorry for you, mostly because you seem like such a decent person. Don't lose hope though because things will get better, espeically if you follow the advice given here. Many of us on MSE, including me, have gone through bad periods - mine was quite recent and we were living on £50 a week. Thank God that's behind us.

If there's anything else you need help with then just ask. If you're too embarrassed to say it in public PM me or someone else who you've met here and ask.

Don't forget: tomorrow, phone the St Vincent de Paul and make an appointment with your GP to see if you can get a special mattress for your back through Occupational Therapy.

You're not alone.

Thankyou, that really does mean hell of a lot to hear
I couldnt imagine getitng by on £50 a week but I am, slowly trying to budget and live on less....it sucks but thankyou so much again

GlynD

kayester wrote: »

Thankyou, that really does mean hell of a lot to hear
I couldnt imagine getitng by on £50 a week but I am, slowly trying to budget and live on less....it sucks but thankyou so much again

You keep your chin up. I promise it does get better through time.

It wasn't easy getting by on £50 a week, particularly as we were used to having around £70,000 a year coming in. I was forced to retire through illness and it took several years of sorting out benefits and pensions (mostly pensions). We had £650 a month in total. What saved us was the fact that we own our own home - outright. What caused us so much trouble was moving between GB and NI. All the government organisations over here are total separate entities from those in GB. It took two years to get all the paperwork sorted and get us back paid. We actually had to go a week without payment because as far as the authorities here were concerned we were incoming migrants - even though I'm from here and my wife is British too.

The army didn't play ball either. I had to fight and fight for almost three years to sort out my pensions but I stuck at it and won eventually - just as you will.

kayester

Aww im glad it worked out for you.
I really wish I had my own house im stuck in the everlasting whole of renting

GlynD

kayester wrote: »

Aww im glad it worked out for you.
I really wish I had my own house im stuck in the everlasting whole of renting

It doesn't happen overnight . You concentrate on making the best home you can in your current circumstances. You'll have your rent paid by housing benefit, I hope? Plus your landlord will foot the bill for all your home repairs.

When I think of all the beds and furniture I've had to throw on the tip because nobody wanted them and you sitting there with nothing at the moment. We've got the SVP picking up a leather sofa next week and I'd love to be able to give that to you but you're too far away.

justlooking2012

kayester wrote: »

Ok so had a little look round but couldnt find anything recent.

I have applied for a budgeting loan, i have 2 children aged 4 and 2

Yes I am looking ( A LOT) for a job

no I dont have sky tv or i dont drink or smoke. (seen these comments on previous threads about other people)

I am myself only sleeping on a mattress and my youngest is still in her cot bed, with not a propper mattress, and a very thin summer duvet (for age 12 months) so i am wanting a budgeting loan to update these.

i have send my forms off (first class envelope) on tuesday (10th)
I was wanting to know timescales as i forgot from my last attempt (2 years ago, only about £20 left to pay, i pay £10 weekly)
and what I am entitled to.

thanks

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

You're youngest has a duvet that is not suitable, I would not be worrying about putting it on my credit card in that situation.
If you spend £350 a month on food then where does all the rest go as you have no car, no sky and you do not drink or smoke. With two children I assume you at least get £150 per week if not more.

pmlindyloo

Just checking............

You are claiming Child Tax Credits and Child Support?

kayester

GlynD wrote: »

It doesn't happen overnight . You concentrate on making the best home you can in your current circumstances. You'll have your rent paid by housing benefit, I hope? Plus your landlord will foot the bill for all your home repairs.

When I think of all the beds and furniture I've had to throw on the tip because nobody wanted them and you sitting there with nothing at the moment. We've got the SVP picking up a leather sofa next week and I'd love to be able to give that to you but you're too far away.

yeah I get 370 towards my 450 rent and aww you are lovely

justlooking2012 wrote: »

You're youngest has a duvet that is not suitable, I would not be worrying about putting it on my credit card in that situation.
If you spend £350 a month on food then where does all the rest go as you have no car, no sky and you do not drink or smoke. With two children I assume you at least get £150 per week if not more.

I was more worried about her mattress which is why ive asked for a budgetting loan. I didnt want to put me and my children in a situation where we were on debt.
Get 115 weekly and 120 every 2 weeks. I have to top up the rent and have usual bills to pay

pmlindyloo wrote: »

Just checking............

You are claiming Child Tax Credits and Child Support?

Yes as stated above

justlooking2012

After another poster said that you have a credit card by readin some of you're posts I to had a read of a few and I saw you try not to put you're heating and that you are in arrears from the last two winters!
I think you need to get you're priorities right.
I have read that you have a tablet, a new laptop, you buy scratchcards and when you won £20 on one you spent it on haircuts(why not buy you're daughters quilt)!
If that was me I would personally sell the laptop and tablet, not buy scratchcards and get rid of my internet. They are not necessities.

I seriously hope you do not go to a charity for help as you are simply not in need, while others genuinely are.

I know I will get shot down for this by the bleeding hearts but facts are facts.