Budgeting Loan

kayester

justlooking2012 wrote: »

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.

Wow im actually amazed that you feel the need to slate me. If you read my posts then you would see thats I got my credit card to try and better my credit rating for the future for me and my children.
Yes I am paying my bills I am paying the most I can currently 148 a month and saying that I havnt put my heating onvyet even though we are cold shows I am trying to save! !!!!!
I had to have a friends tablet whilst my laptop was being fixed so I could still earn money off ebay and swagbucks hence why I have the internet.
I bought ONE scratchcard and I dont want me and my daughter looking kike scruffs with scraggy hair?!?!

kayester

justlooking2012 wrote: »

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.

Wow im actually amazed that you feel the need to slate me. If you read my posts then you would see thats I got my credit card to try and better my credit rating for the future for me and my children.
Yes I am paying my bills I am paying the most I can currently 148 a month and saying that I havnt put my heating on yet even though we are cold shows I am trying to save! !!!!!
I had to have a friends tablet whilst my laptop was being fixed so I could still earn money off ebay and swagbucks hence why I have the internet.
I bought ONE scratchcard and I dont want me and my daughter looking kike scruffs with scraggy hair?!?!

justlooking2012

kayester wrote: »

Wow im actually amazed that you feel the need to slate me. If you read my posts then you would see thats I got my credit card to try and better my credit rating for the future for me and my children.
Yes I am paying my bills I am paying the most I can currently 148 a month and saying that I havnt put my heating onvyet even though we are cold shows I am trying to save! !!!!!
I had to have a friends tablet whilst my laptop was being fixed so I could still earn money off ebay and swagbucks hence why I have the internet.
I bought ONE scratchcard and I dont want me and my daughter looking kike scruffs with scraggy hair?!?!

I am not slating you I am saying it how I see it.

Regardless you have a laptop and buy scratchcards. I do not believe you have only ever bought one and happened to win £20. You dont want scraggy hair but you daughter does not have a winter duvet. Well I know what I would prefer.
I do not know much about womens appearance regime but my mother would have put her hair up in some sort of style and bought me or my sister the quilt.

kayester

Ichavnt made a big thing about needing a duvet. Thatscis for sonething after she gets a new bed as I can easily budget for a duvetm she is very warm with warm pjs and lpts of blankets with which she feels more comfy.
You have slated me and im sat here invtears at sone ofvthe things you have saidm ifvyou have read my posts properly you would see that I am really trying and know and understand me better

I have a very cheap laptop in order to sell thigs on ebay and try get extra mobey. As I am constantly looking for a job too
And if I do have a job interview I dojt want them to see me with scraggy hair either or up at school where I take my son every day. Cos people like you judge

princessdon

kayester wrote: »

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


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


Yes as stated above

Why aren't you claiming all the benefits you are entitled to?

You should get income support, plus £115 tax credits, plus child benefit and CTB.

You should be getting over £950 a month in cash benefits.

No wonder you are struggling, if you claim them then after paying your rent contributions and the £350 you spend on food/nappies you will have £525 left, which is over £100 a week.

You really need to claim the benefits and also maintenance.

justlooking2012

princessdon wrote: »

Why aren't you claiming all the benefits you are entitled to?

You should get income support, plus £115 tax credits, plus child benefit and CTB.

You should be getting over £950 a month in cash benefits.

No wonder you are struggling, if you claim them then after paying your rent contributions and the £350 you spend on food/nappies you will have £525 left, which is over £100 a week.

You really need to claim the benefits and also maintenance.

I think she is claiming income support otherwise how is she eligible for a budgeting loan. Even if you can still apply for a budgeting loan without being in receipt, I think it is almost 99% certain she is in receipt

justlooking2012

kayester wrote: »

Ichavnt made a big thing about needing a duvet. Thatscis for sonething after she gets a new bed as I can easily budget for a duvetm she is very warm with warm pjs and lpts of blankets with which she feels more comfy.
You have slated me and im sat here invtears at sone ofvthe things you have saidm ifvyou have read my posts properly you would see that I am really trying and know and understand me better

I have a very cheap laptop in order to sell thigs on ebay and try get extra mobey. As I am constantly looking for a job too
And if I do have a job interview I dojt want them to see me with scraggy hair either or up at school where I take my son every day. Cos people like you judge

You can easily budget for a duvet BUT you have not bought one yet even though she has a very thin duvet.
You can easily budget for it but you have applied for a budgeting loan.
There are only so many things that you must have to sell on ebay.
You do not have a car, smoke, drink or have sky but yet you cannot live on over £150 per week.
I know people who work who do not have that much left after they have paid there rent.


IF I have made you cry then I am sorry, but I have not been rude or insulting. Just saying it how I see it

kayester

princessdon wrote: »

Why aren't you claiming all the benefits you are entitled to?

You should get income support, plus £115 tax credits, plus child benefit and CTB.

You should be getting over £950 a month in cash benefits.

No wonder you are struggling, if you claim them then after paying your rent contributions and the £350 you spend on food/nappies you will have £525 left, which is over £100 a week.

You really need to claim the benefits and also maintenance.

including housing benefit I get 1020 a month. My rent and food add upto 700 so thats 320 left not 525??
Gas and electric is 148 so leaves 172 for water tv licence internet and essentials for the month including clothes ect...

princessdon

justlooking2012 wrote: »

I think she is claiming income support otherwise how is she eligible for a budgeting loan. Even if you can still apply for a budgeting loan without being in receipt, I think it is almost 99% certain she is in receipt

But she should be getting far more than the £175 a week. She needs to check her entitlement as I work it out at £115 CTC, £33.70 CB, 71.70 IS, so £220 per week, not £175.

kayester

justlooking2012 wrote: »

You can easily budget for a duvet BUT you have not bought one yet even though she has a very thin duvet.
You can easily budget for it but you have applied for a budgeting loan.
There are only so many things that you must have to sell on ebay.
You do not have a car, smoke, drink or have sky but yet you cannot live on over £150 per week.
I know people who work who do not have that much left after they have paid there rent.


IF I have made you cry then I am sorry, but I have not been rude or insulting. Just saying it how I see it

I havnt said that she needs a duvet my daughter is happy woth blankets as mote comfy for her. I have said she needs a new bed!!
Who are you to judge what I have to sell on ebay???
You are really upsetting me and ide love to be one of those people with a job!!!