Budgeting Service?

AngelPie78

getmore4less wrote: »

But you don't have this free(YET). this is a nice to have SOA.

Even with the changes there are things you missed off so you can't spend the £600pm yet.

What's the plan for no car is a travel/season an option?

Do a Spending diary to find out the real numbers on where the money goes and adjust the SOA until it reflects reality, do it daily if you need to keep control(think about what might be missing like Xmas).

If this SOA is the plan going forward then the spending diary tracks it and says how real it is over time it becomes real.

Once on track(balanced budget) you can start the review how you deal with the previous stuff.

I might have missed it have you included the house asset yet?

this is critical for anyone reviewing the options for DMP/IVA/bankruptcy.

I really don't understand what you are saying [sorry]. I want to start making changes as of today. From now, I want to only spend money on the things I have and need to. This SOA, as far as I am concerned, is completely do-able from June.

However, I need to know what I'm going to do for the next three months to be able to make it wholly accurate and I don't know what I'm doing for the next three months. This is what I came on to get help with. I don't know what to spend my money on and I still haven't been given this help. A poster earlier on in the thread started helping me and then she didn't reply when I asked for further help.

I can put the £10,000 on from the house but I don't know if and when I'll ever get it [as i said, it's with the solicitors]. I don't see the point of putting it on there as it makes my situation look a lot better than it is/might be.

Does that make any sense?

AngelPie78

redcard wrote: »

You're not taking care of your responsibilities, that's your problem. The state is bailing you out every step.

The state is paying for you, and you even want the state to teach you to stop you spending the money they're giving you for doing absolutely nothing.

It's rather bizarre.

So are you assuming that I have never worked or I don't want to work now? Or both?

Don't just say half an insult - say what you think.

AngelPie78

redcard wrote: »

The problem with the OP is that she doesn't know the value of money. She doesn't earn a penny of the money she spends and doesn't appreciate the value of it.

It would be a different story if she had to go out and work 3 hours to pay for next weekend's takeaway.

Again, with the same insult. So you think I won't work? Why don't you ask me a question, rather than assuming the worst?

AngelPie78

MPH80 wrote: »

It really doesn't sound like you're appreciative. It sounds like you're in an extremely combative mood.

Our situations are very similar. I had major budgeting problems - I had months where rent was missed, where I was behind on electricity. I couldn't keep my outgoings less than my income.

My ROUTE OUT was very different. But the reality of how I got there was very similar. You're right - you can't get rid of your kids and you can't move home - as I acknowledged. I was trying to be supportive and show that other people have been in similar places.

But since - apparently - you're more interested in being combative than actually grasping what I'm saying - I'll leave you to it.

I'm sorry, I don't think you were trying to help. You came across very smug and you obviously lived rent free with Mum and Dad and you know that I can't do that, so why bring it up!?

I'm just fed up with no one actually helping with my actual problem and then getting their backs up when I tell them they're not helping me in the right way.

For me this whole day has been me saying [for example] "I want my house painted" to a group of painters for them to tell me that I don't want the house to be painted, I actually want a new driveway instead, but I know I can't get a new driveway until the house is painted.

I want some help with one problem and everyone keeps offering me solutions for a problem that is later on than the one I want help with! I'm not saying that it's not a problem, I'm saying that I want some help with the more immediate problem first... why is that so hard to understand. Yes, I know there are deep rooted problems that need to be addressed, and I am more than willing to do that. I haven't ever said otherwise. I'm happy to consider all options, but surely I am allowed to disagree/compromise on them? Seems to me, that you guys get your knickers into a twist when all of your suggestions aren't immediately agreed to and taken up...

just my opinion.

TrustyOven

AngelPie78 wrote: »

I'm just fed up with no one actually helping with my actual problem and then getting their backs up when I tell them they're not helping me in the right way.

Right, so to try to clarify, is this your actual immediate problem that you want our help to solve?

AngelPie78 wrote:

So can ANYONE explain to me how I am going to pay my rent on 1st March of £925 when I have £760 coming in between now and then and am overdrawn by £80 in my current account, with three kids to feed???

You can't pay your rent. Simple as. As far as I can see, you have these choices. (i'm not a financial expert!)

1) Tell the landlord you cant pay and they do what they feel is right. This could mean they evict you, or it could mean re-negotiating the rent so it's cheaper for you, or they may give you more time to pay. I don't know. This isn't really a good enough short term solution, because in 6 months time you will probably be in the same boat - this is maybe why everyone's going on about how you need to plan and budget?

AngelPie78 wrote:

I can make all the plans I want for when I get the bulk of my money, but that doesn't help me NOW! This is reason why I get into extreme problems. I then don't pay my bills so get caught in this cycle. I have a very understanding landlord so I can just put him off until the end of April. Then I'll have to pay March, April, May, June, July, August rent of £925 x 6 = £5,550 when I am getting £3,500!

In April, will you have enough money to pay all of the £5500 that you would owe the landlord if you put off the rent payments? If no, then there's no way you can even afford to live there in April.

I will resist discussing any more of planning and budgeting because I know I will just get my head bitten off.

2) Move somewhere that is very cheap / cheaper than where you are now. Could mean living with parents (don't know if that's an option: I dont know if they are alive or if they have space). You would still have to pony up the deposit and moving costs, and you'd still owe your landlord - so this is not a short term solution.

3) Go bankrupt? I dont know how this works. Presumably you will get chucked out onto the street, or be placed in some emergency council housing? You'd still owe money to current landlord and all your other debts.

4) Increase your income. You said you are studying, so maybe an evening job or something. Won't help immediately until you get paid. But seems to me that you need more income and more regularly.

5) Ask more friends and family for credit.

6) Ask banks / credit cards for credit.

Asking for credit is likely to be really bad since you seem to be living in it and cant pay your current creditors properly (I'd count you owing money to your landlord as your landlord being a creditor and thus you not being able to pay creditors).

Option 2,3 and 4? I dont know if any of them are sane or even a good idea.

AngelPie78 wrote: »

I want some help with one problem and everyone keeps offering me solutions for a problem that is later on than the one I want help with! I'm not saying that it's not a problem, I'm saying that I want some help with the more immediate problem first... why is that so hard to understand.

I dont understand why you are angry with anyone that has responded so far. Everyone has been fair and sensible so far. It appears to me as if you are angry with them because you are hearing what you don't want to hear.

In any case, I will watch this thread, and I sincerely wish you best of luck in getting it all sorted.

themull1

Can you go through the CSA to get maintenance for your daughter?

VanyaHargreeves

Tbh, OP, I do not know what you're expecting. Do you think that by posting on here, someone is going to magically appear and tell you that they'll pay your rent for you? Unfortunately that's not going to happen. You're having a tantrum at everyone even when they're trying to help you. This is YOUR problem and it's not going to go away if you don't want to suck it up and deal with it. You expect some wonderful magic solution which you aren't going to get; if you want to be in less debt then you will have to stop spending. This is a lesson that apparently is only going to learnt the hard way.

AngelPie78

TrustyOven wrote: »

Right, so to try to clarify, is this your actual immediate problem that you want our help to solve?






You can't pay your rent. Simple as. As far as I can see, you have these choices. (i'm not a financial expert!)

1) Tell the landlord you cant pay and they do what they feel is right. This could mean they evict you, or it could mean re-negotiating the rent so it's cheaper for you, or they may give you more time to pay. I don't know. This isn't really a good enough short term solution, because in 6 months time you will probably be in the same boat - this is maybe why everyone's going on about how you need to plan and budget?



In April, will you have enough money to pay all of the £5500 that you would owe the landlord if you put off the rent payments? If no, then there's no way you can even afford to live there in April.

I will resist discussing any more of planning and budgeting because I know I will just get my head bitten off.

2) Move somewhere that is very cheap / cheaper than where you are now. Could mean living with parents (don't know if that's an option: I dont know if they are alive or if they have space). You would still have to pony up the deposit and moving costs, and you'd still owe your landlord - so this is not a short term solution.

3) Go bankrupt? I dont know how this works. Presumably you will get chucked out onto the street, or be placed in some emergency council housing? You'd still owe money to current landlord and all your other debts.

4) Increase your income. You said you are studying, so maybe an evening job or something. Won't help immediately until you get paid. But seems to me that you need more income and more regularly.

5) Ask more friends and family for credit.

6) Ask banks / credit cards for credit.

Asking for credit is likely to be really bad since you seem to be living in it and cant pay your current creditors properly (I'd count you owing money to your landlord as your landlord being a creditor and thus you not being able to pay creditors).

Option 2,3 and 4? I dont know if any of them are sane or even a good idea.



I dont understand why you are angry with anyone that has responded so far. Everyone has been fair and sensible so far. It appears to me as if you are angry with them because you are hearing what you don't want to hear.

In any case, I will watch this thread, and I sincerely wish you best of luck in getting it all sorted.

Hiya and thank you so much for your reply.

Ok, I have another post going in DFW and we've sort of got a solution to pay the rent this month, but I had forgotten that I was overdrawn, but that's ok because we had £62 extra floating around.

I can't move - don't know if it's relevant why but my Dad died years ago and my mum lives in a one bedroom studio. I was homeless with the kids last year and not even their Dads would help. The council were useless and offered us emergency accomodation 15 miles away - I didn't have a car and I can't move the children's schools as their dad won't allow it. Also, I think the streets were preferable to living with peodophiles/drug users/criminals etc in the emergency accomodation. Anyway, we seem to have moved on from the rent for March - which is one of my main problems. I have no idea how much money I am getting in April, a minimum of £2000, but I can't plan anything because I am waiting for student finance/childcare providers to complete/process about 100 forms. I check daily online to see if anything's been sorted - it hasn't as yet.

There is no-one to ask for credit. My mum has nothing and I have no other family. Banks and loan companies are a no go as I have no credit and that's just more debt, I guess.

I could go bankrupt, but this costs money and would solve the debt problem [medium/long term] but not right now and I have to consider my ex-husband's house - see previous posts [can't remember what number post, sorry] going to consider with my solicitor's help in April, when Uni is finished.

In terms of a job, I have had a part time job but it caused me to become ill and the doctors wanted me to give up Uni and the job and to go on Disability Benefits which I chose not to do. I did give up my job, however, as this was something that was not helping my health but I have stayed at Uni. I would only be better off when I worked if I was doing more than 16 hours a week, which is near impossible around a degree and the kids etc. Under 16 hours a week and I'm worse off - in terms of time and money. I can, however, work from home in computing [my degree field] and am trying to build up a portfolio to get some work - which obviously takes time. I am also a big crafter so am trying to build up a stash of things to sell. Won't make me a lot but it's cheap to make stuff and it all builds up.

Again, thanks for your help. Some good suggestions x

AngelPie78

themull1 wrote: »

Can you go through the CSA to get maintenance for your daughter?

Yes I can but it will cause no end of problems and will end up with me having to pay more in the short term as I know that my ex will immediately stop paying my daughter her allowance as soon as he hears from the CSA. Am not sure it will achieve that much more in terms of income anyway. Also, my daughter is quite poorly, atm, and me and her Dad have only just started talking again after almost ten years. It would only cause her to get more ill if we fell out again.

Thanks for the suggestion though x

AngelPie78

VanyaHargreeves wrote: »

Tbh, OP, I do not know what you're expecting. Do you think that by posting on here, someone is going to magically appear and tell you that they'll pay your rent for you? Unfortunately that's not going to happen. You're having a tantrum at everyone even when they're trying to help you. This is YOUR problem and it's not going to go away if you don't want to suck it up and deal with it. You expect some wonderful magic solution which you aren't going to get; if you want to be in less debt then you will have to stop spending. This is a lesson that apparently is only going to learnt the hard way.

I think I have clearly stated on several occasions exactly what I was expecting. I wanted to meet up with someone i.e. a budgeting service, who would help me budget/plan/spend and get myself sorted. That is exactly what I expected on here when I originally posted. I wanted someone to help tell me what I needed to prioritise over the next few months so that I could feed the kids and keep a roof over our heads...

Can you please point me to the part where I said I expected someone else to pay anything for me?

Also, I'd like to know when I said that this was anyone else's problem but mine?

When did I say that I wanted to carry on spending in the same way that I have been?

And that I wasn't prepared to make any changes?

I am eagerly waiting to see how well you know me...hope that crystal ball works well for you!